摘要
随着消费电子化水平的发展,在居民生活中,信用卡的使用也越来越多,信用卡业务在商业银行业务中所占比重也逐渐增加,随之而来的是信用卡违约风险的激增。防范信用卡风险的第一步,也是最关键的一步,在于对信用卡申请人进行合理的信用评分,给予适当授信。在分析信用卡风险的基础上,尝试建立AHP信用评分模型,以期能找到科学的信用卡评分方法。
As the developing of the consumer electronic level, the using of credit card was more and more in residents living. The proportion of credit card business in the commercial banks business has been rising, and followed by the risk of credit card defaults surged. The first step, also the most key step for credit card risk prevention was giving the credit card applicants a reasonable credit score and appropriate credit. The author tried to build the AHP credit score model on the base of credit card risk analysis, to find the reasonable credit scoring method.
出处
《金融理论与实践》
北大核心
2016年第1期74-77,共4页
Financial Theory and Practice
关键词
信用卡
风险
评分
商业银行
AHP
credit card
risk
score
commercial banks
analytic hierarchy process
