Program overview
Credit management might sound a bit abstract, but it's actually about figuring out whether a person or a company is trustworthy and how to control the risk of default. Simply put, it's like giving a "credit health check" for banks, businesses, and platforms. Core courses include credit rating, credit reporting theory and practice, risk management, finance, accounting, and statistics. You'll learn how to analyze financial data, build credit scoring models, read credit reports, and even understand how big data is used in risk control. Chinese universities have a unique advantage in this field: the country is actively building a social credit system, and many schools have close ties with companies, giving you access to real credit reporting systems and cases. This major is perfect for students who are good with numbers, enjoy logical analysis, and are interested in the intersection of finance and technology. If you're comfortable with math and curious about why some people can get a mortgage while others can't, this program will be right up your alley.