商业银行承受的个人贷款客户最主要风险为信用风险,如何有效识别个人客户信用风险,提升风险度量科技化水平,做好风险防控工作,降低风险损失,是商业银行长期探索的一项工程。本文通过研究国际通用个人客户信用风险分析方法,结合国内经济发展情况和个人信用体系建设情况,以及他国近期发生的信用危机案例,分析评价国内商业银行现行个人客户信用风险管理机制,提出提升风险管理水平的合理建议。 Commercial banks bear the most important personal loan customers risk credit, how to effectively identify individual customer credit risk, improve the scientific and technological level of risk measurement, risk prevention and control work to do to reduce the risk of loss, is a commercial bank to explore a long-term project. This paper analyzes the credit risk management mechanism of current individual customers in domestic commercial banks by researching the credit risk analysis methods of international common personal customers, combining with the domestic economic development and the construction of personal credit system, as well as the recent credit crisis cases in other countries, Reasonable level of advice.