基于属性坐标分析的个人信用风险评估模型  

The Model of Personal Credit Risk Evaluation Based on Analysis of Attribute Coordinate

作　　者：骆君[1] LUO Jun （lnfonnation Engineering College, Shanghai Maritime University, Shanghai 200135, China）

机构地区：[1]上海海事大学信息工程学院,上海200135

出　　处：《电脑知识与技术》2011年第6期3821-3823,3828,共4页Computer Knowledge and Technology

基　　金：上海海事大学重点学科《航运信息工程》（编号：XL0101-2）

摘　　要：利用属性论方法构建个人信用卡申请的风险评估模型，模拟200位信用卡申请者的各类指标数据，编写程序进行运算，给出信用评估排序结果，该结果也可以根据不用评判者的心理权重进行调整，反映出不同评判者的心理偏好对评估结果的影响程度．为个人信用评估模型开辟新途径。The model of risk evaluation, applying for the personal credit card, is made based on the method of attribute theory. Many kinds of data that 200 people applied for the credit card are simulated and sequenced by computer. The result can be adjusted according to different psychological power, which can reflect the influence under different people＇s interest. The use of the method of attribute theory has added a new and effective approach to the model of personal credit risk valuation.

关 键 词：属性论方法 信用风险 评估 

分 类 号：TP311[自动化与计算机技术—计算机软件与理论;自动化与计算机技术—计算机科学与技术]