个人信用评分模型设计

Based on comparing, analyzing and summarizing experence of the advanced country in credit industry, we bring forward in ideal circumstance how to use scoring technology in consumer and enterprise credit scoring model building through the way of comparing investigation, survey research and demonstration. We discriminate the scoring technologies from each other found on theory analyzing. And after the survey rearch and practice investigation in Shenzhen, Hefei and other cities, associated with credit data available in China we make suggestions in applying the technologies to build model. We also put forward some vital problems in model building and how to solve them is also in our suggestions. We advance that how to develop enterprise credit rating model in practice after demostration with the sample of corporations in China. We also bring forward the request and the format on credit data.

本项目将通过比较分析、调查研究和实证研究等方法，在比较、分析、总结征信业发达国家经验的基础上，结合我国的具体国情，提出理想状态（主要是指完善的法律环境、真实完备的数据库、融洽的文化背景）下的个人信用评分指标体系和适用于中国现阶段的个人信用评分指标体系，为我国开展个人信用信贷业务、刺激信用消费提供技术支持和理论依据。.