其他摘要：With the rapid development of China’s economy and the advance of the Basel 2 accord all around the world, personal credit scoring is more and more important. It is imperative under the situation to adopt the dynamic credit scoring methods for personal credit score is dynamic changing and the purpose of credit scoring is changed. There is little research on dynamic credit scoring and no research based on the Chinese credit data. For the sake of the development of dynamic credit scoring, we reviewed the development of dy- namic credit scoring, introduced Markov chain, survival analysis, and dynamic credit scoring based on data mining proposed recently, analyzed their advantage and weakness. Finally, the existing problems and the fu- ture direction in this field are discussed.
关键词：信用评分;动态模型;个人信用;风险分析
其他关键词：Credit Scoring; Dynamic Model; Personal Credit; Risk Analysis
