【摘要】 追溯消费者信用评估发展的历史 ,分析我国建立消费者信用评估体系过程中可能遇到的主要问题 ,包括人口漂移、个人信用动态变化、信用评价方法中指标的选取、保留酌情处理权、拒绝推论和信息缺失等 ,介绍目前应用的消费者信用评估方法 ,包括判别分析、回归分析 (分为普通线性回归、logistic回归和 probit回归 )、数学规划法、分类树法、专家系统、神经网络和最近邻法 ,并比较分析各评估方法的性能。更多还原

【Abstract】 This article castes back the history of the development of consumer credit scoring and analyzes the primary problem which we will encounter in the process of forming the consumer credit scoring system in China, including population drift,the movement of individual credit variety,the selection of benchmark in the credit scoring method,reject option,reject inference and information blank. We also introduce the currently implying methods of consumer credit scoring, including discriminant analysis,regression analysis(classified into general linear regression,logistic regression and probit regression),mathematic programming,classification tree,expert system,neural network and nearest neighbor methods, and compare the performance of these scoring methods.更多还原