信贷产品初创期申请评分建模方法综述

Summary of Application Scoring for Credit Products in Start-Up Period

摘要: 互联网和金融科技加速商业银行等金融机构信贷产品创新能力，随之而来的各种风险成为亟待解决的首要问题，尤其是信用风险和欺诈风险。本文主要探讨信贷产品投产初期度量客户信用风险的定量分析方法，在产品不够成熟和数据缺乏情况下，提出信贷产品投产初期申请评分模型构建思路及其优缺点，最后从信贷产品生命周期的角度提出建模迭代优化方向。

Abstract: Internet and financial technology accelerate the innovative ability of credit products in financial structure such as commercial banks. The various risks followed are urgent problems to be solved, especially credit risk and fraud risk. This paper mainly discusses the quantitative analysis method to evaluate customer credit risk in initial stage of credit products. In the case of product immaturity and lack of data, it discusses the idea of constructing application scoring models for credit products in the initial stage as well as its advantages and disadvantages. Finally, it puts forward the direction of modeling iteration optimization from the life cycle of credit products.