个人信用行为评估方法再思考

发布时间：2019-05-26 18:57

【摘要】：近年来,我国个人信用贷款日益增多,信贷业务逐年增加,这不仅丰富了金融机构的衍生业务,也促进了我国地方经济的蓬勃发展。目前,个人信贷业务已经成为了我国经济稳定发展的重要组成部分,但是,随着个人信贷业务的增加,金融机构尤其是商业银行的信用风险也大大提高。有效的信用评估方法能降低金融机构面临的信用风险,减少个人信用误判所带来的经济损失。因此,选择有效的、稳定的、精确的个人信用评估方法成为了学术界研究的热点之一,也是我国稳定经济金融发展的重要手段。对个人信用评估方法的再思考是对个人信用行为的评价、分析的思考和讨论。对个人信用评估方法的优化讨论将进一步提高评估过程的精确性和稳定性,使其更好地成为稳定我国经济发展的重要工具之一。
[Abstract]:In recent years, the number of personal credit loans in China is increasing day by day, and the credit business is increasing year by year, which not only enriches the derivative business of financial institutions, but also promotes the vigorous development of local economy in our country. At present, personal credit business has become an important part of the stable economic development of our country. However, with the increase of personal credit business, the credit risk of financial institutions, especially commercial banks, has also been greatly increased. Effective credit evaluation method can reduce the credit risk faced by financial institutions and reduce the economic losses caused by personal credit misjudgment. Therefore, the choice of effective, stable and accurate personal credit evaluation methods has become one of the hotspots in academic research, and it is also an important means to stabilize the economic and financial development of our country. The rethinking of personal credit evaluation method is the evaluation, analysis and discussion of personal credit behavior. The discussion on the optimization of personal credit evaluation method will further improve the accuracy and stability of the evaluation process and make it one of the important tools to stabilize the economic development of our country.
【作者单位】：哈尔滨工业大学管理学院;
【基金】：国家自然科学基金项目“个人信用非线性组合评分模型及其动态优化研究”(70871030) 黑龙江省自然科学基金项目“样本非随机性偏差下的个人信用Heckman两阶段评估”(G200914)
【分类号】：F832.479

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