信用评分和行为评分体系的发展研究

The Development of Credit Scoring and Behavior Scoring System

信用评分和行为评分是帮助金融机构评定借款者信用的技术。基于信用风险理论,利用统计和概率研究的技术来分析信用评分与行为评分体系的发展逻辑,解析目前四种主流利润评分方法,认为随着数据的积累和存储量不断增大,利润评分法会不断发展,对信贷业和借款者将产生重大影响。

Credit scoring and behavior scoring are the techniques to help financial institutions assess the credit of borrowers.Based on the theories of credit risk,by using the techniques in statistics and probability research,the paper analyzes the development logic of credit scoring and behavior scoring system,and dissect the four popular profit scoring methods.It is held that with data accumulation and increasing storage capacity,profit scoring will continue to develop and will impose a significant impact on the credit industry as well as the borrowers.