商业银行零售业务之风险管理概述.pptVIP

The thing to keep in mind is that scores are designed to rank-order risk. For example, a score of 230 does not guarantee an individual applicant will not go bad. It only means that this individual is less likely to go bad than, say, someone with a score of 210. The score is merely a reflection of the applicant’s odds of repayment. In this example, a credit score of 190 represents odds of repayment of 5:1. So if six applicants came to us and applied for a loan and they all scored a 190 on our scoring model, we could expect that if we approved all six of them that five would result in being favo