中国信用体系建设中的个人信用模糊评估  

Individual Credit Evaluation through Fuzzy Inference System during Social Credit System Construction of China

作　　者：林清泉[1] 张建龙[1] 杨丰[1] 

机构地区：[1]中国人民大学财政金融学院,北京100872

出　　处：《山西财经大学学报》2007年第2期81-85,共5页Journal of Shanxi University of Finance and Economics

基　　金：国家自然科学基金项目(70373032)

摘　　要：个人信用体系建设是中国信用制度建设的主要内容之一,个人信用评估是个人信用体系建设的主要应用领域。在信用评分模型和基于先验审批规则法基础上建立起来的模糊推理系统,充分利用了业内人员多年积累的从业经验,是适合我国实际情况的个人信用评估方式。在我国个人信用数据积累到一定程度和一定时期之后,这些数据既可以与专家经验互相补充用于生成模糊推理规则,也可以对模糊推理系统进行检验和修正。Individual credit system is one of the main contents in credit system construction of China and individual credit evaluation is one of the main application fields. The authors believe that it is the most important thing for individual credit evaluation to fully utilize the experience knowledge. For the keen competition, a reliable and efficient model which can identify ereditworthy persons from large numbers of applicants and determine how much bank should credit to the applicants is imperative for bank to acquire and keep competitive advantages. This paper applies Fuzzy Inference System to that field and describes the building process of FIS in detail.

关 键 词：信用评估 模糊推理系统 模糊逻辑 信用额度 

分 类 号：R832.1[医药卫生—航空、航天与航海医学]