ABSTRACT
As a new instrument of payment and credit, individual credit card is playing a more and more important role in the economics field. However, high-yield in the credit card market is associated with high risk. So, bank investors need more information and investment strategies to make a decision when managing credit risk. The level for the management of individual credit risk in the current commercial banks is low, and the lack of an effective credit risk evaluation method prevents further development of consumer credit business. Therefore, the study on the credit risk evaluation to quantitatively measure the credit risk is an effective measure to manage the risks of the operational implementation in the bank (Peng and Hu, 2003).
