This dissertation explores the economics meaning of the concepts between individual credit and individual credit system, using a sect of western economics philosophy as a source of reference;
本文借鉴西方经济各种理论学派对信用的理解和认识，探讨了个人信用和个人信用体系等相关概念的经济学释义；
Achievement of this paper reveals that grey risk system is a useful risk assessment system for Banks, provides science-reference for risk management and credit management.
本文研究成果揭示了灰色系统在商业银行信贷风险管理方面的重要性，可以为商业银行信贷部门、风险管理部门提供一种新的风险监控措施。
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