高校学生贷款个人信用的物元评判模型及应用

Matter-element Evaluation Model on the Personal Credit of University Students Loan and It's Application

基于对我国高校学生助学贷款信用评价现状的分析和构建的高校学生助学贷款的偿还信用评价指标体系,利用可拓工程方法,建立了学生贷款信用物元评判模型.该模型将个人信用等级、评价指标作为物元,从而得到经典域、节域、权系数.根据个人信用分级标准建立关联函数,通过计算综合关联度判断个人信用等级,并结合实例验证了评判方法.该方法计算简便、评价合理、实用性强.

This paper analyzes the current situation of university students＇credit evaluation and set up an evaluation index system of university students＇credit to compensate a loan. Based on this index system, this paper sets up a matter-element evaluation model on the individual credit of university students loan by means of extensible engineering method. The grade of individual credit and the index for evaluating the level of individual credit are made as matter-element, meanwhile, the classical field, the segment field, the weight coefficient are obtained. Dependence function is established based on the grade of individual credit and then the grade is judged by calculating the synthetic dependence degree. Finally, this paper presents the evaluation method by giving an example. This method is simple in calculation, reasonable in evaluation with high applicability.