基于多级模糊综合评判法的个人信用评分模型研究  

A Personal Credit Model Based on Multiple Fuzzy Comprehensive Evaluation

作　　者：晏艳阳[1,2] 莫如冰[2] 

机构地区：[1]湖南大学统计学院,湖南长沙410079 [2]湖南大学金融学院,湖南长沙410079

出　　处：《财经理论与实践》2009年第2期7-12,共6页The Theory and Practice of Finance and Economics

基　　金：国家社会科学基金课题(06BTJ020);湖南省自然科学基金课题(06JJ4090);湖南大学信用研究中心课题

摘　　要：为加强对个人信用风险的防范、提高信贷审批质量而提出多级模糊综合评判方法,并设计相应的个人信用评分系统模块和信用评分的交互界面应于个人房贷的审批。通过实例演示发现,该方法克服了以往模型中假设条件的限制,在我国目前信用信息数据收集不完整、信息数据质量不高的情况下有着独到的优势。A Multiple Fuzzy Comprehensive Evaluation model is applied in consumer credit scoring, which is an urgent requirement for the commercial banks to prevent the credit risk and improve the quality of their loans to consumers. Simultaneously, the corresponding modules of Consumer Credit Scoring System and Man- machine Interaction Interface for mortgage are designed and applied by an example. The model avoids most of the hypothesis limitations of other frequently used models in this area, there are also some unique advantages under circumstances of limited and low quality of data.

关 键 词：个人信用评价 多级模糊综合评判 层次分析法 个人信用评分系统 

分 类 号：F832[经济管理—金融学]