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.
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.
一般而言，信用风险分析方法可以分为传统信用风险分析方法与现代信用风险分析方法，传统方法主要依赖专家经验，分为专家评分法和特征分析法两类。
In general , the credit risk analysis methods is consist of the traditionalmethod and the modern method , the tradition method includes the expertanalysis method and the feature analysis.
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