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An Individual Credit Risk Assessment Method

机译：个人信用风险评估方法

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摘要

As the rapid growth of personal credit business, to be seeking to establish an effective risk assessment model to achieve low cost and accurate assessment of your credit application and decision-making, in fact this has been the industry's pursuit of theory and one of the goals. Over the past few years, given the so-called portfolio theory sector classification has appeared in many fields, but many reasons, this combination of classification, very few in the field of credit risk assessment of practicality. To this end, the paper method of fitting, a more practical method of combination of line of credit assessment, according to this method as the standard theory of mathematical statistics and theory of data mining and other techniques of risk assessment support.
机译：随着个人信贷业务的快速增长，要寻求建立有效的风险评估模型以实现低成本，准确地评估您的信用申请和决策的能力，实际上这一直是业界追求理论和目标的目标之一。过去几年中，鉴于所谓的证券理论，行业分类已经出现在许多领域，但是由于很多原因，这种分类结合，在信用风险评估领域的实用性很少。为此，本文采用拟合法，一种比较实用的信用额度评估方法，根据该方法作为标准的数理统计理论和数据挖掘理论等风险评估技术的支持。

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