Credit card business is an important asset business in the bank, to construct a suitable personal credit evaluation model is very important.
信用卡业务现在是银行很重要的资产业务，构建一个适用的个人信用评估模型十分重要。
This article focuses on the personal credit evaluation model in which the use and effectiveness of the analysis, pointing out the defects, and proposed improvement measures.
本文重点对其中的个人信用评价模型的使用与有效性进行了剖析，指出其中缺陷，并提出了改进对策。
The evaluation of personal credit has less artificialness and gets a more exact and authoritative result because of using this model.
通过该模型进行个人信用评价，弱化了评价中的人为因素，提高了评价结果的准确性和权威性。
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