| 利用统计学方法建立消费信贷评分模型 |
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| 引用本文： | 李瑞丽,沈薇. 利用统计学方法建立消费信贷评分模型[J]. 经济与管理, 2005, 19(4): 23-26 |
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| 作者姓名： | 李瑞丽 沈薇 |
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| 作者单位： | 上海海事大学,经济管理学院,上海,200135;上海海事大学,经济管理学院,上海,200135 |
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| 摘 要： | 本文以消费者信用贷款客户为研究对象,从中抽取正常户与违约户的背景资料,利用SPSS统计软件包和Logistic模型探讨影响消费者信用贷款客户的关键因素,并建立消费者信用贷款信用评分模型。
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| 关 键 词： | 信用评分 因子分析 Logistic模型 SPSS |
| 文章编号： | 1003-3890(2005)04-0023-04 |
| 修稿时间： | 2005-01-16 |
Setting up Consumption Credit Scoring Model by Statistics Technique |
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| LI Rui-li,SHEN Wei. Setting up Consumption Credit Scoring Model by Statistics Technique[J]. Economy and Management, 2005, 19(4): 23-26 |
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| Authors: | LI Rui-li SHEN Wei |
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| Abstract: | In this paper, the loan -on -credit customers are chosen as the objects of study. Firstly, we sample the backgrounds from these customers, of which some abide by contracts and others break contracts. Then, with spss statistics package and logical analysis models, we discuss the key factors that might affect credit customers. Finally, the model that evaluates the credit of loan -on -credit customers is established. |
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| Keywords: | credit scoring factorial analysis logistic model spss |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
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