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发帖数: 577 | 1 Designers of credit scoring models review a set of consumers - often over a
million - who opened loans at the same time, and determine who paid their l
oan and who did not. The credit profiles of the consumers who defaulted on t
he loans are examined to identify common variables they exhibited at the tim
e they applied for the loan. The designers then build statistical models tha
t assign weights to each variable, and these variables are combined to creat
e a credit score.
Models for specific ty |
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