消费信贷申请人评分标准的综合审计

Journal of Business and Leadership Pub Date : 1900-01-01 DOI:10.58809/xlri7860

J. Jolayemi, Linda L. Carr

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引用次数: 0

摘要

本文提出了一个全面的审计标准，用于评分申请人的消费信贷。审计由两部分组成:第一部分侧重于定制模型中使用的标准，而第二部分处理Fair-Isaac and Co (FICO)或通用模型中使用的标准。本文表明，在贷款机构和文献中使用的大多数标准变量集都是选择不当和定义不清的。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Comprehensive Audit of The Criteria Used For Scoring Applicants For Consumer Credit

This paper presents a comprehensive audit of the criteria used for scoring applicants for consumer credit. The audit consists of two parts: the first part focuses on the criteria used in customized models, while the second part deals with those used in Fair-Isaac and Co (FICO) or generic models. This paper shows that most of the sets of criteria variables used in lending institutions and in literature are poorly selected and poorly defined.

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Journal of Business and Leadership

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