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

作　　者：莫易娴[1] Mo Yixian(School of Economics and Management,South China Agricultural University,Guangzhou 510046,Guangdong,China)

机构地区：[1]华南农业大学经济管理学院,广东广州510046

出　　处：《征信》2019年第1期40-44,共5页Credit Reference

基　　金：广东省哲学社会科学"十三五"规划2014年学科共建项目(GD14XYJ17);2018教育部校企合作项目(201801126003)1973

摘　　要：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.

关 键 词：信用评分 行为评分 利润评分 借款者信用 

分 类 号：F832.4[经济管理—金融学]