Research on Personal Credit Evaluation System of Commercial Banks

Based on the analysis of personal credit evaluation index systems in and out of China, this paper establishes personal credit evaluation index system of commercial banks suitable for China, which can be divided into three parts: Personal indices, economy indices and credit indices; and this paper builds personal credit synthetic evaluation model based on GEM algorithm to better make use of experts´ experiences and wisdom, and to overcome the inconsistency of experts´ evaluation results. This evaluation system provides references for commercial banks to make customer loan decisions.