Research on Consumer Credit Rating Model

Xinyu Wu () and Jielin Shang
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Xinyu Wu: PLA Dalian Naval Academy
Jielin Shang: PLA Dalian Naval Academy

A chapter in Proceedings of the 2023 International Conference on Finance, Trade and Business Management (FTBM 2023), 2023, pp 157-163 from Springer

Abstract: Abstract With the rapid growth of online consumer credit products in commercial activities, banks and financial institutions widely employ credit scoring models to assess customers, implementing varying credit limits and policies for different customer tiers in order to mitigate the risk associated with individual consumer credit. This paper presents a credit scoring model based on logistic regression methodology, assigning distinct scores to individuals based on their unique information, facilitating investors in making corresponding decisions in commercial endeavors.

Keywords: Scoring Model; Logistic Regression; Credit Risk (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-298-9_17

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DOI: 10.2991/978-94-6463-298-9_17

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