广东外语外贸大学学报
廣東外語外貿大學學報
엄동외어외무대학학보
JOURNAL OF FOREIGN STUDIES
2013年
5期
27-33
,共7页
个人消费信贷%Logistic 模型%信用计分模型
箇人消費信貸%Logistic 模型%信用計分模型
개인소비신대%Logistic 모형%신용계분모형
personal consumption credit%logistic model%credit scoring model
本文随机选取8家商业银行500组个人消费信贷样本，每组设计7个特征指标，首先运用SPSS16.0方法对各组指标进行描述性分析，然后对指标进行显著性检验、多重共线性检验，最后运用Logistic模型对各特征指标进行回归分析，建立银行个人信用计分模型，并随机选取20组样本数据对该模型进行了测试分析，结果表明，本文建立的个人信用评分模型能很好地评估个人消费信贷风险，可为银行开展个人消费信贷业务提供较好的指导。
本文隨機選取8傢商業銀行500組箇人消費信貸樣本，每組設計7箇特徵指標，首先運用SPSS16.0方法對各組指標進行描述性分析，然後對指標進行顯著性檢驗、多重共線性檢驗，最後運用Logistic模型對各特徵指標進行迴歸分析，建立銀行箇人信用計分模型，併隨機選取20組樣本數據對該模型進行瞭測試分析，結果錶明，本文建立的箇人信用評分模型能很好地評估箇人消費信貸風險，可為銀行開展箇人消費信貸業務提供較好的指導。
본문수궤선취8가상업은행500조개인소비신대양본，매조설계7개특정지표，수선운용SPSS16.0방법대각조지표진행묘술성분석，연후대지표진행현저성검험、다중공선성검험，최후운용Logistic모형대각특정지표진행회귀분석，건립은행개인신용계분모형，병수궤선취20조양본수거대해모형진행료측시분석，결과표명，본문건립적개인신용평분모형능흔호지평고개인소비신대풍험，가위은행개전개인소비신대업무제공교호적지도。
This study randomly selected 500 samples of individual consumption loan from eight commercial banks in China and designed 7 feature indexes for each sample. First, SPSS16.0 was applied to implement descriptive analysis for each example. Second, the significance and multiple co-linearity tests were carried out and a logistic model was adopted to complete the regression analysis. Finally, a personal credit scoring model was established and 20 examples were used to test the model. Results show that the personal credit scoring model can accurately measure individual consumption loan risks. So it is argued that the model can provide better guidance for banks to develop consumer loan business.
