个人信用评估是个人资产和个人信用状况的综合反映。
The personal credit assessing is the comprehensive reflection of the personal assets and personal credit state.
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。
Credit card business is an important asset business in the bank, to construct a suitable personal credit evaluation model is very important.
在个人信用评估部分中，对所有的离散数据进行量化处理，然后使用局部学习率自适应算法，对BP算法加以改进。
In the individual credit evaluation part, it quantifies all kinds of scattered data, and to improve BP algorithm it USES local self-adaptive study rate algorithm.
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