| 发明名称 |
SYSTEM AND METHOD FOR CREDIT EVALUATION |
| 摘要 |
<P>PROBLEM TO BE SOLVED: To provide a system and a method for credit evaluation capable of properly performing a credit evaluation for comprehensive judgment. <P>SOLUTION: This credit evaluation system on indexes for evaluating the rating of debtors comprises an index information file for storing past index data including data on defaulters and data on normal customers. First a split value for separating the data on defaulters from the data on normal customers is inputted. The ratio of the data determined to be related to defaulters to the data on defaulters is calculated as signal information. The ratio of the data determined to be related to defaulters to the data on normal customers is calculated as noise information. The ratio of the signal information to the noise information is calculated. In addition, it is determined to which of the normal customer side the defaulter side of the split value belongs, and the inverse number of the ratio of the signal information to the noise information is provided as points to the defaulter side. <P>COPYRIGHT: (C)2004,JPO |
| 申请公布号 |
JP2003316950(A) |
申请公布日期 |
2003.11.07 |
| 申请号 |
JP20020120102 |
申请日期 |
2002.04.23 |
| 申请人 |
FINANCIAL TECHNOLOGY RESEARCH INSTITUTE INC |
发明人 |
MIYOSHI MAKOTO;OSHIRO NAOTO;HIKIMA SHIGERU |
| 分类号 |
G06Q90/00;G06Q40/00;G06Q40/02;G06Q50/00 |
主分类号 |
G06Q90/00 |
| 代理机构 |
|
代理人 |
|
| 主权项 |
|
| 地址 |
|
