个人信用贷款

第三步，通过构建基于VaR约束的个人信用贷款优化决策模型解决个人贷款组合的信用风险度量以及收益与风险之间平衡问题。

Afterwards , the author construct a decision optimization model for individual credit loan portfolio on constrain of VaR to solve the problem of measuring the credit risk of individual credit loan portfolio and the balance of profit and risk .

商业银行个人信用贷款风险管理策略研究

Commercial Banks Personal Credit Loans Risk Management Strategies Study

国家助学贷款特点显著，属于无需担保，无抵押的个人信用贷款。

The notable characteristic of National Student Loan is personal credit loan , namely , without collateral and mortgage you can draw the loan from bank .

助学贷款制度是我国在1999年启动，并于2000年全国范围内推广的个人信用贷款业务。它针对的对象是一些经济相对困难，支付大学生学费和生活费有一定难度的家庭。

Student Loan System is launched as a personal credit loan system in China in 1999.It is established to help those families which can not afford tuition fees or living fees .

紧接着本文深入剖析了个人信用贷款业务风险的分类及产生的原因，通过分析确定了各类风险所对应的控制措施，然后把这些措施有机地搭建起一个针对个人信用贷款业务的风险控制框架。

Then , the author thoroughly analyzes the classification and the cause of the risk of individual credit service . After different kinds of risk and analyzes their relationship were compared , they were put into different category of risk controlling method .

旅游信用卡消费作为个人信用卡贷款消费中的一种，是指银行向个人发放的，可以用于支付旅游过程中的费用或购买旅游产品的现金贷款。

Travel credit card consumption is the cash loan which is issued to an individual to pay for travel expenses by the bank .

其次对农户个人信用水平对贷款利率内在影响做了叙述，并叙述现在农村信用社贷款利率形成的方法。

Second described the level of farmer personal credit inner affect the loan interest rate , and giving the method that the RCC forme the loan rate right now .

中国的个人信用卡、按揭贷款和在线支付系统迅猛增长，为此迫切需要建立一个信用评估数据库，芝麻信用（SesameCredit）等个人征信系统应运而生。

Sesame Credit and other credit rating systems are responding to a glaring need for a credit rating database in a country that has seen rapid growth in personal credit cards , mortgages and online payments systems .

在消费者金融发达的国家，伴随日趋完备的个人信用信息在消费者贷款授信领域的广泛应用，对于个人信用信息的经济价值的研究也在推进。

In countries with mature consumer financial markets , personal credit information is widely used in consumption lending and credit extension and is becoming more and more perfect . This pushes the research of " economic value " of personal credit information .