摘要
回顾小额信贷风险控制的相关理论,运用层次分析法来构造信用评分体系,得到合适的信用评分表。根据打分的结果,得出结论。信用评分法并不能取代原有的专家制度法,A公司一直使用专家制度法一定有它的道理,但信用评分可以作为对专家制度法的一个有力补充,为专家制度法查漏补缺。
This article reviews the related theories on risk controls of micro-credit loans and establishes a credit scoring system by making use of the analytic hierarchy process, achieving proper credit scoring sheets. Based on the results of the credit scoring, a conclusion is reached that the credit scoring method cannot replace the previous expert scoring method, which is the justification for Company A in this article always using the expert scoring method. Nonetheless, credit scoring method can serve as a strong supplement to the traditional expert scoring method, offsetting its weaknesses.
作者
李荣锦
白秀梅
Li Rongjin;Bai Xiumei(School of Management, Xi’an University of Architecture and Technology, Xi’an 710055, Shannxi,China)
出处
《征信》
北大核心
2019年第3期20-26,共7页
Credit Reference
基金
陕西省社会科学基金项目(2017SO14)
关键词
小额信贷
信用风险评价
层次分析法
专家制度法
信用评分
micro-credit companies
credit risk assessment
the analytic hierarchy process
expert scoring method
credit scoring
