Benefit measurement methods that are comparative approaches, scoring models, benefit contribution, or economic models.

效益测定方法，如比较法、评分模型、对效益的贡献或经济学模型。

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Unlike applicant scoring that can use static credit models, behavioral and profit scoring models require dynamic credit models that consider past behavior.

与可使用静态信用评分模式的申请人评分不同，行为评分和利润评分需要使用动态信用评分模式，即要将过去的信贷行为纳入考虑范围。

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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.

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。

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Lenders traditionally do not like having to change the credit scoring models they're using.

NPR: Credit-Reporting Agencies Create New Scoring Format

However, scoring models placed consumers in a different category 19 to 24 percent of the time.

FORBES: This Week in Credit Card News

They all use different proprietary scoring models to assess creditworthiness, as does Fair Isaac Corp.

FORBES: Credit Scores Often Unreliable, Warns Consumer Financial Protection Bureau