经实证检验，新模型具有较高的预测能力，不失为一种可选的个人信用评分模型。
The empirical analysis proves that the new model is an alternative individual credit rating model with better prediction ability.
第二章论述了消费信贷和个人信用评分的有关理论问题，以及关于个人信用评分模型的文献综述。
Secondly, this paper looks at some theories about consumer credit and personal credit-scoring, and then Outlines the development of techniques applied in credit-scoring models.
雅各布说，现金流量分析给出了借款人的偿还能力超过了个人信用评分，银行通常依靠小美元的贷款，对更全面地了解。
Jacobs says the cash-flow analysis gives a more complete picture of the borrower's ability to repay than the personal credit scores that Banks typically rely on for small dollar-amount loans.
国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。
The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.
国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。
The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.
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