我来贷的创始人兼首席执行官龙沛智称，申请如果是在凌晨1点至早上6点之间提交的，还款违约的概率就会高一些。
Those filed from 1 and 6 a. m. have a higher correlation with repayment default, according to Simon Loong, the founder and chief executive of WeLab.
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.
这事实上是一个典型的定量研究模型，模型回答了违约以多大的概率发生，因此可以用于信用风险管理。
The model answer how much the probability when the default occur, so it can be used in credit risk management.
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