Author(s)

Hui Zeng

Corresponding Author

Hui Zeng

ABSTRACT

from the Beginning of the New Century, the Difference of Financial Products between Banks is Less, Because the Industry between Banks is Not Obvious. Because Customer Relationship Management and Customer Relationship Maintain the Position of Mutual Bank, the Transformation from Product Design to Central Relationship Becomes More and More Important. Therefore, the Key to the Survival of a Bank is to Provide Unique Services, But for Each Banking Institution, We Have Relatively Limited Human Resources and Other Resources, Which Makes It Impossible for Us to Provide the Same Services for Different Customers. Twenty Eight Law Tells Us That Nearly 80% of the Profits of Enterprises Come from 20% of Customer Resources, So We Need to Treat Each Customer's Profit Contribution in Different Ways, So That Commercial Banks Can Get the Maximum Profits and Make Full Use of the Limited Resources. Therefore, This Paper Summarizes the Relevant Theories of Customer Profit Contribution of Commercial Banks, Constructs a Credit Scoring System by Using Ahp, and Obtains a Suitable Credit Scoring Table. According to the Scoring Results, the Conclusion is Drawn.

KEYWORDS

Credit Risk Assessment, Bank Customers, Profit Contribution