Credit scoring model

Research on Personal Credit Scoring Model based on Clustering

基于聚类的个人信用评分模型研究

The fourth chapter discusses how to establish credit scoring model which suits present situation in our country .

第四章重点讨论了如何建立适合我国现状的信用评分模型。

Study on Credit Scoring Model and Forecasting Based on Probabilistic Neural Network

概率神经网络信用评价模型及预警研究

Personal Credit Scoring Model Based on Integration of Rough Set and GA-Neural Network

基于粗糙集和遗传神经网络集成的个人信用评价模型

Some western companies are reportedly trying to develop a credit scoring model based on consumers " social networks .

据报道，有些西方企业正试图开发基于消费者社交网络的信用评分模型。

Thereafter , we build a credit scoring model based on logistic regression by use of the first sample .

利用第一个子样本，对其财务指标应用了主成分分析，建立了基于logistic回归的小企业信用评分模型。

The simulation results show that the MLP credit scoring model has very high classification correct rate ( 98 11 % ) .

仿真结果表明，本文所建立的神经网络信用评价模型有很高的分类准确率，达到98.11%。

The accuracy of the credit scoring model related to bank some important decisions , so this thesis conducted an in-depth study on improving the accuracy of credit scoring .

信用评级模型的精度会关系到银行一些重要决策的做出，为此，本文也对如何提高模型精度进行了深入研究。

For detection and disposal of outliers , a combined method is proposed and experimental result shows the deletion of outliers contributes the enhancement of the accuracy of credit scoring model .

对异常值和异常实例的检测及处理进行了分析，提出了异常实例检测的组合方法，结果表明异常值的处理有助于提高个人信用评分模型的分类精度。

The fourth part will do the empirical analysis for the retailing credit scoring model ; use principal component analysis to select financial indicators of companies and add unfinancial information and main information of enterprises ; build SMEs financial credit scoring model and scoring formula through logistic regression .

第四部分对零售模式信用评分做了实证分析，利用主成分分析法筛选企业财务指标，加入企业非财务信息和企业主信息，通过逻辑回归构建我国中小企业融资的信用评分模型和打分公式。

For retail exposures , this paper firstly built an analytical framework for product-level credit scoring model , and by applying this framework to home mortgage loans , it built a hybrid scoring model for home mortgage loans which consists of a scoring card model and a Logistic model .

为此，文章首先从借款人、贷款方案、贷款投向和风险缓释四个要素出发，构建了一套产品水平的信用评分模型的整体分析框架，并将该框架具体应用于个人住房贷款产品；

Then , by using the AHP method to determine the hierarchy of the indices and their weights , it builds a credit risk scoring model for small and middle enterprises which is used to analyze the 20 small and middle public enterprises .

其次，利用AHP分析法，确定指标之间的层次关系和权重，建立了中小企业信用风险评估的评分模型，并对我国中小企业板上市的20家中小企业进行了评估排序分析。

Chapter Three is about credit risk measurement methodology such as Zeta model , Credit scoring - model , Classification & regression tree , CSFP model and Credit metrics , the latest of which can measure the credit risk of ABS / MBS dynamically .

第三章介绍了资产证券化的信用风险评估技术。包括Zeta法、资信评估模型、分类和回归树、CSPP开发的信用风险附加模型；

Personal credit rating plays an important role in social credit system . The accuracy and efficiency of credit scoring model has a close bearing on the profits of financial institutes and the prosperity of financial market .

个人信用评估是建设社会信用体系的一个重要环节，其预测精度和有效性直接关系到信贷机构的损益和金融市场的繁荣。

This paper have a re-creation of Construction Bank credit card business systems , Based on data mining technology , design the Construction Bank credit card application scoring model , there is a theoretical and practical research .

本文对建设银行信用卡业务系统的总体设计进行再造，基于数据挖掘技术对建设银行信用卡申请评分模型进行设计，对建设银行信用卡业务的推广进行了理论和实践上的研究。

Experiment Results show that Bayesian network classifiers are appropriate to solve the credit scoring problem . ( 2 ) Combining Minimum Overall Risk rule and Bayesian network classifiers , a new credit scoring model is proposed on the risk classification .

结果表明贝叶斯网络分类模型适合用于解决信用评估问题。（2）结合最小总风险准则和贝叶斯网络分类器，提出了一种基于风险分类的新型信用评估模型。

Then this text analyze the applicability of credit score method in the management of credit risk assessment for customer , and use Logistic regression to build a credit risk scoring model for quantifying credit risk of the applicants .

然后分析信用评分方法在客户信用风险评估管理中的适用性，并采用Logistic回归方法构建一个用于量化申请人信用风险的评分模型。