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。
The evaluation of personal credit has less artificialness and gets a more exact and authoritative result because of using this model.
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。
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.
个人信用，是指个人具有履行契约、偿付债务的能力在社会公众中获得的相应信赖和评价。
Personal credit, which refers to the individual ability to fulfill agreement and pay for the debts, is a corresponding trust and evaluation obtained among the public.
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