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1、现代文明社会,凡是有行为能力的正常人的社会行为,都有一种约定。这种约定的履行对行为人而言就是信用。是否履约和怎样履约,则反映信用度的高低。以此衡量政府行为、企业行为和个人行为,就构成了社会信用体系。但我国的个人信用制度刚刚起步,在中国经济持续、稳定、快速的发展进程中,作为市场经济的灵魂,信用问题逐渐引起了全社会的重视,因为信用缺失已经影响了我国市场经济止常、有序发展。在银行业信用问题尤为突出。由于个人信用体系尚未建立,个人信用问题已成为当前制约消费信贷发展的一大瓶颈,建立和完善个人信用评价体系刻不容缓。本个人信用评价系统是建立在定量基础上的定性判断。系统设计力求科学、
2、合理,以客观公正的立场,对被评估对象履行经济责任所承担的能力及其可信程度进行评价,并以一定的符号表示其信用等级。个人信用评价系统的出现,加强了信用卡的事前风险控制,把风险审查的关口前移,在办卡时就最大限度的杜绝信用风险。本系统能够根据用户的个人信息做出信用评价。评价结果及积分将成为银行是否发卡的重要依据。本系统屈于浏览器/服务器模式的WEB程序设计,操作方便、不受时空限制、界面美观。关键词信用;信贷;个人信用评价;WEB程序设计AbstractThemoderncivilizationsociety,everypersonwhohasthecapabilitytope
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