发明名称 |
METHOD AND SYSTEM FOR COMMERCIAL CREDIT ANALYSIS |
摘要 |
<p>This invention describes a method and system for assimilating data, applying reasoning mechanisms, and emulating the thought processes of a credit officer for commercial credit analysis. The system aids a credit officer in the risk assessment and completion of a loan package. The system thereby improves loan turnaround time and customer service, improving loan servicing capacity, quality, and consistency of credit decisions, and reducing costs. The system includes: 1) a conventional data base management system subsystem that manages and collects data via electronic access and end-user data entry; and 2) a decision support expert system that applies a knowledge base and inference engine (collectively known as an assessment model) utilizing an evidence tree and a generalized weighting approach to analyze credit requests.</p> |
申请公布号 |
EP1016035(A4) |
申请公布日期 |
2005.05.25 |
申请号 |
EP19980940777 |
申请日期 |
1998.08.04 |
申请人 |
CITIBANK, N.A. |
发明人 |
FLETCHER, BRUCE, ALAN;BHAT, SANDEEP;DIDNER, IRA;FREUNDLICH, YEHUDAH;KOLODZIEJSKI, RICHARD;SCHODER, JOSEPH |
分类号 |
G06Q40/00;(IPC1-7):G06F17/60 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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