摘要：本文以民生银行个人信用评分系统为例，分析了个人信用评分系统在中国的应用。自2007年金融危机以来，美国次贷危机使全球金融市场及各个经济体都进入了寒冬，金融行业面临着巨大的危机。在中国金融不断加深开放程度，各个商业银行在国内外日益激烈的竞争情况下，个人信用也渐渐地被重视起来，而个人信用评分系统就成为了中国金融和经济活动正常进行的重要保证。针对我国商业银行信用评分系统的具体状况，本文具体分析了民生银行信用评分系统和国外信用评分系统之间差异的优劣，为商业银行和信用评估机构对个人的信用评估有更进一步的提高。

关键词：民生银行 个人信用 个人信用评分系统

ABSTRACT：In this paper， MINSHENG BANK personal credit rating system as an example， analysis of the application of personal credit rating system in China. Since 2007， the US subprime crisis to global financial markets and economies into winter， the financial sector is facing huge risks.  In China's financial openness deepening， commercial Banks under the situation of growing competition at home and abroad， personal credit is becoming more and more valued， and personal credit rating system is an important role in promoting the economic and financial running steadily in our country. According to the specific condition of our country commercial bank credit rating system， this paper analyzes the MINSHENG BANK credit rating system and the advantages and disadvantages of differences between foreign credit rating system， for commercial Banks and credit evaluation institutions of personal credit assessment has further improved. 

Keywords：MINSHENG BANK  personal credit scoring system  Personal credit