个人信用评分关键技术研究的新进展

向晖; 杨胜刚

个人信用评分关键技术研究的新进展

引用本文：向晖，杨胜刚.个人信用评分关键技术研究的新进展[J].财经理论与实践,2011,(4):20-24

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作者	单位
向晖，杨胜刚	(湖南大学金融与统计学院，湖南长沙410079)

中文摘要:从系统论的角度总结了个人信用评分发展的前沿问题，从数据预处理、指标体系筛选、以及模型设计三个方面对个人信用评分关键技术的最新研究成果进行了细致分类和综合比较，从而指出个人信用评分研究中存在的难点以及未来发展方向。

中文关键词:信用评分数据预处理指标体系选择模型设计

Recent Development in Key Techniques of Credit Scoring

Abstract:Most early researches on credit scoring were restricted to establish and improve an scoring model. Researchers are now regarding credit scoring as an integrated system involving data preprocessing, feature selection and model design. Academics are applying latest research achievements in statistics, data mining and machine learning to the whole process of credit scoring, making studies on credit scoring gain an overall and rapid development.

keywords:Credit scoring Data preprocessing Feature selection Model design

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