The proposed method has the characteristics of building mathematic model, and making full use of advanced computing technology and improved commercial programming software.

它以建立数学模型为主要特征，能充分利用先进的计算机技术和较为完善的商用数学规划软件。

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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。

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