个人信用评分关键技术研究的新进展
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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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