我国在个人信用贷款方面的法律依然是空白，仅有的信贷法律适用对象都是生产型的企业，而不是个人信贷。
In our country, the law of personal credit loan is still blank, only the applicable object of credit law is the productive enterprise, not the personal credit.
个人信用制度的建设、个人不良信贷资产的处置和我国个人信用安全体系的构建，已经成为摆在我们面前的现实问题。
There are some important issues comes up now, such as the structuring personal credit system, disposing the personal bad loans and creating a safety system for the personal credit, etc.
个人消费信贷规模逐年增大，产生了对个人信用风险控制的需求。
The increasing amount of individual credit loan creates demand for the control of individual credit risk.
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.
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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