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信用評分系統.
信用評分系統(Credit Scoring System),指根据借款方的借款与还债历史、债务狀況等信息給予不同的分數,用來決定是否核准新貸款或信用額度的統計与评估系統。信用評分可以由提供信贷的银行或信用卡公司的内部系统得到,也可能通过第三方中介公司的系统获得。
信用评分系统又名為信用評分卡(Credit Scorecard),一般使用於零售金融(Retail Banking)。
可以分类为 申請評分卡(Application Scorecard) 以及 行為評分卡 (Behaviour Scorecard) 。
而類似的觀念用於法人金融(Corporate Banking)的業務上,則稱之為信用評等(Credit Rating)。
信用評分卡的建置,通常是採用統計學上的迴歸方法來進行。需蒐集足夠的歷史資料,才能得到穩定的評分模型。如資料不足,評分模型的建置只能用折衷的專家判斷法(Expertise Judgement)進行,但最終仍需調整為統計模型。
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