作　　者： ; ; ;

机构地区： 中国人民银行

出　　处： 《征信》 2019年第8期11-15,共5页

摘　　要： 为了帮助薄信用的客户获得贷款以改善他们的生活,鉴于心理测量学能够有效地对个体差异进行测量并对行为决策进行预测,很多征信机构或者信用评分公司采用心理测量学方法对借款人进行信用评分。总结信贷市场上基于心理测量学的信用评分实践,发现该方法尽管可以很好地降低违约率,但在数据收集、数据分析及普适性方面仍存在一些不足,有待进一步改进。 In order to help those clients with thin credit file to get loans to improve their lives,many credit agencies or credit rating companies calculate credit scores for borrowers by psychometric method in light of the fact that psychometrics can effectively measure individual differences and predict their behavioral decisions.By summarizing the credit scoring practices based on psychometrics,this article finds that though this method can effectively reduce the default risk,it still has some shortcomings in data collection,data analysis and universal application,which needs further improvement.

关 键 词： 心理测量学 信用风险管理 信用评分 普惠金融

领　　域： []