线性判别式分析在个人信用评估中的应用

A Study on Personal Credit Scoring Using Linear Discriminant Analysis

在对目前个人信用评估方法进行分析的基础上,针对其中较为常用的线性判别分析方法,分析了其对模型分类和具体数据的适用性,建立了个人评估的指标体系,通过显著性逐级检验分析确定了相应的多元回归方程并进行了检验。

Having analyzed the current methods of personal credit assessing, we group models in the way of linear discriminant analysis, explain serviceability for specific data and establish an index system of personal credit assessing. In the end, a relevant plurolism linear regression equation is obtained and tested.