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.
在对比国内外各种信用评分模型优缺点的基础上，选择以BP神经网络方法为建模的理论依据。
BP neural network model is selected as the theoretical foundation after comparing the advantage and disadvantage of credit rating model inside and outside the country.
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.
本文将数据挖掘技术与信用卡业务分析相结合，主要分析数据挖掘技术在信用卡信用评分模型中的应用。
This text have the data mining technology and credit card business analysis technology combined together, it is mainly used in credit card model.
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.
这一评分模型的提出，为信用评估机构和金融机构提供了科学管理和正确决策的依据。
Therating model supplies the foundation of the scientific management and correct decision for credit assessment organization and finance institutions.
本系列博文将针对消费贷款领域的信用评分及其模型进行相关研究探讨。
This series of blog posts tries to cover the theory behind credit scoring and models typically used in consumer lending domain.
实验结果显示，该算法建立的客户信用度评分模型简洁、易懂和准确率高。
Experimental results show that the model of credit scoring built by the algorithm is compact, comprehensible and accurate.
运用数据挖掘分类技术于信用评分问题包括一个建立模型以及选择最优模型的过程。
The application of data mining classification techniques in credit scoring involves the process of building and selecting optimal models.
信用风险是商业银行面临的主要风险，信用风险的度量模型有专家判断法、信用评分法、神经网络分析法以及现代违约概率模型等。
Credit risk is the main risk taken by commercial Banks. Credit risk measurement models include Expert Judgment, Credit Scoring, Neural Network Analysis as well as Modern Default Probability model.
以数据库的开发为主要实现手段；以特征模型的分析和信用评分的计算为核心；真正体现了计算机技术在管理学科中的应用。
It reflects the application of computer science in management by means of building up the database, analysing the character-mode and calculating the credit-score.
以数据库的开发为主要实现手段；以特征模型的分析和信用评分的计算为核心；真正体现了计算机技术在管理学科中的应用。
It reflects the application of computer science in management by means of building up the database, analysing the character-mode and calculating the credit-score.
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