In recent years, the personal credit line develops rapidly, and has already become the focus that every commercial bank fights for gradually.

By analyzing the current state of the assessing method of personal credit and referring to the scientism assessing system both abroad and in China, this thesis intends to improve this system based on its conventional models.

Since the late-1990s, Our country Bank\'s credit operation has presented the fast development tendency, the loan remaining sum rises unceasingly, the personal credit service takes the credit operation the important constituent development to be more rapid, already entered the development high speed growth period.

Under the background of the international economic situations and China s entry into WTO,the paper reflects on the current management strategies of the commercial banks and puts forward some practical management strategies of marketability,from the aspects of the fund cycles of the commercial banks,the key points of the credit operations and the management of the marketability.

Analysis of the Characteristics of Bank A s Credit Business in Guangzhou;

Study on the Credit Business Process Reengineering of the Agricultural Bank of China Liaoning Province Branch;

The implement of Property Law will affect credit business of commercial banks in both favorable and unfavorable aspects.

Study on the Credit Business Process Reengineering of the Agricultural Bank of China Jilin Province Branch;

Bank credit business is the main source of profits, but credit risk is the main risk facing banks.

At the same time with financial reforms speeding up, the SMEs credit of bank-ing business will become an important earnings growth point in the future.