What do you mean by credit card A and B?
by implementing a scoring system for customers, we can judge whether the customers are of high quality or not. A card (ApplicationScoreCard), application scorecard
B card (BehaviorScoreCard
) Because the retail credit business has the characteristics of many transactions, small single amount and abundant data, it is necessary to carry out intelligent and probabilistic management mode. The credit scoring model uses modern mathematical statistics model technology, and through deep data mining, analysis and refining of borrowers' credit history records and business activity records, it finds out the knowledge and laws that are contained in complicated data and reflect consumers' risk characteristics and expected credit performance, and summarizes them through scoring as a scientific basis for management decisions.
difference:
1. The time of use is different, focusing on pre-lending, in-lending and post-lending
2. The data requirements are different. Card A usually does data for to 1 year before lending, and card B does it after customers have certain behaviors and large data, which is generally 3 to 5 years.
3. All models of each scorecard are different. Card A,
card b
1. definition: predict the future overdue probability according to the lender's behavior after lending (observation behavior)
2. use scenario: the time period before the loan expires after lending
3. pay attention to the division of observation period and performance period and time slice
1. divide different risk levels according to different repayment willingness and repayment ability < Overdue due to special reasons
moderate: good repayment will and problems with repayment ability
moderate: repayment will deteriorate, with repayment ability
severe: no repayment will, with repayment ability deteriorated or lost
2. Collection process
SMS collection, telephone collection, on-site collection, legal proceedings and third-party collection (packaged and sold overdue assets)
The ratio of collection of accounts
aging rolling model: predicting the probability of the number of overdue people changing from mild overdue to severe overdue
lost contact model: in the overdue stage, Predict the probability that people who can still be contacted will lose contact
4. Common indicators
days overdue
historical repayment rate information
overdue amount ratio
debt burden ratio
personal information (gender, age, income, work, education, etc.)
Credit rating standards of banks for credit card holders
Due to confidentiality reasons, we cannot.
the scoring standard is only a scoring standard, which gives a rating to customers, and it does not have a decisive impact on the final review, and it is not the only basis for decision-making, and it excludes subjective decisions such as green channel, situation verification and other promotion policies. But indeed, we can find many problems from it.
bank a adopts the percentage system, It consists of four parts: security support, economic support, stability and personal background:
1. The highest score of security support is 15
(1) The highest score of housing right is 8
No housing
Renting
2
Unit welfare housing allocation
4
All or purchase. The highest score with or without mortgage is 7
with mortgage
7
without mortgage
2. The highest score with financial support is 34
(1). The highest score of personal income is 26 points
monthly income is more than 6 yuan
26 points
monthly income is 3~6 yuan
22 points
monthly income is 2~3 yuan
18 points
monthly income is 1~2 yuan
13 points. The highest score of monthly debt repayment is 8
no debt repayment
8
1~1 yuan
6
1~5 yuan
4
5 yuan or above
2
3. The highest score of personal stability is 27
(1). The highest score of employment is 16
civil servants
16
institutions
14
state-owned enterprises
13
joint-stock enterprises
1
others
4
retired
16
unemployed. At present, the highest score of address time is 7 points
more than 6 years
7 points
2 to 6 years
5 points
less than 2 years
2 points
(3) The highest score of marital status is 4 points
unmarried
2 points
married without children
3 points. The highest score of household registration is 5
local
5
nonlocal
2
(2) The highest score of educational level is 5
junior high school and below
1
high school
2
technical secondary school
4
university and above < The highest age score is 5 points
female over 3 years old
5 points
male over 3 years old
4.5 points
female under 3 years old
3 points
male under 3 years old
2.5 points
(4) The highest score of dishonesty is 9 points
no investigation
points
no record
points
one time of dishonesty
points
more than two times of dishonesty
-9 points
no dishonesty
9 points
B Bank also adopts the percentage system. By natural conditions, occupational conditions, Family situation and relationship with the Bank are composed of four parts:
project
scoring standard
score
from
natural
emotional
status
age
under p>25 years old
26-35 years old
36-5 years old
.
unmarried
others
5
4
3
2
in good health
generally
poor
5
3
-1
with a degree of education
above graduate school < High school
other
2
1
hukou nature
permanent hukou
temporary hukou
2
occupation
situation
unit category
government institutions
state-owned enterprises. P>1
unit
economic condition
good
general
poor
4
2
—1
being engaged in the industry
has a good development prospect
general
poor
4 < Within
3
2
1
professional title
advanced
intermediate
junior
no professional title
4
2
1
monthly income
more than p>1 yuan
8 ~. Yuan
1, ~ 2, yuan
1 yuan
6
4
2
1
Family
Situation
Family
Average monthly income
More than 5, yuan < yuan
2
1
and
this
bank
is it
whether it is an employee of the bank
yes
no
2
whether it has a credit card
. P > other
loan situations
never borrowed
borrowed but paid off
with a record of default
4
5
-5
Total score
This scoring standard is also used by the bank as a reference standard for the examination and approval of loan lines. Basically, the corresponding segmented line is more than 9 points, and the line is 6, yuan. 8, ~ 891,; 7 ~ 79,5,; 6 ~ 691,; 5~59，5； 4 ~ 49,3, 4 minutes, quota. Probably corresponding to the quota, 5, basically corresponds to the starting point standard for platinum credit card customers.
I still have a complete photo and score sheet of a bank, so I won't send it again without much help. The following contents are more critical:
However, in the credit scoring standards of commercial banks in China, it seems that we have not seen some relevant indicators that we think may be included in the scoring standards for the time being. Now let's take a look at some excerpts from the two most widely used scoring models in the world:
The David Tool Rand credit score derivative model has the following provisions:
The credit survey in the last six months has been conducted for more than 3 times
8 points
2 points
-5 points
The provisions in FICO credit score model, which is the most widely recognized in the world, are even more important. 4
5~9
No record
3 points
11 points
3 points
-7 points
-2 points
points
Credit file
Case years
.5
. P>5 points
12 points
8 points
-4 points
Credit line
Utilization rate
~ 15%
16% ~ 3%
31% ~ 4%
41% ~ 5%
.
China Bank Xiamen Branch Great Wall Credit Card entry criteria:
1. Age score
35-55 years old 1
25-35 years old 8
55 years old or older 6
18-25 years old 2
marital status
married 1
unmarried 3 < High school 3
junior high school 1
primary school
4, unit
party and government organs, institutions 1
state-owned enterprises, listed companies 8
joint-stock or collective enterprises 6
foreign-funded enterprises 4
individuals and others 2
5, housing
purchased commercial housing 1
. Working experience
8 years or more, 1
5-8 years, 8
3-5 years, 5
3 years or less,
7, job score
bureau level or above, 2
senior managers of large companies, 15
middle managers of large companies or 1
general managers of large companies. Monthly income
1 yuan or more, 2
8-9999 yuan, 15
5-7999 yuan, 13
3-4999 yuan, 1
2-2999 yuan, 8
1-1999 yuan, 6
. Margin
less than p>1 yuan, 2
8, yuan, 18
5, yuan, 15
3, yuan, 1
11, major private customers 5
12, major card customers 5
13, consumer credit customers 1
14. With a comprehensive score of 65 points, you can apply for a personal ordinary card. ! ! !
the comprehensive score is insufficient. can I get a credit card?
If the comprehensive score is not enough, you can apply for a loan from the bank, or you can apply for several online loans, but the pass rate is very low. It is not recommended that you try. Borrowing users should know the reasons for the lack of comprehensive scores and solve the problems before applying for loans. Generally, the reasons for the lack of comprehensive score are too many times of personal credit inquiry, too much debt exceeding the borrower's repayment ability, bad credit record of credit inquiry and untrue personal information. I suggest you find your own reasons to improve before applying for a loan, otherwise the comprehensive score will only be worse. After the improvement, we can understand the following formal platforms with lower requirements.
1. Personal comprehensive credit score refers to the comprehensive investigation of the internal and external subjective and objective environment that affects individuals and their families by using scientific and rigorous analysis methods, and the comprehensive judgment and evaluation of their ability to fulfill various economic commitments. According to different applications, credit score can be divided into risk score, income score, responsiveness score, customer churn (loyalty) score, collection score, credit card issuance audit score, mortgage loan issuance audit score, credit line approval score and so on.
2. Comprehensive credit risk score-Pengyuan 8. At the end of April, 25, Pengyuan Credit Information Co., Ltd. independently developed the personal comprehensive credit risk score-"Pengyuan 8", which officially provided credit rating inquiry service for credit institutions and individuals. "Pengyuan 8" makes a statistical analysis of personal credit information by establishing a mathematical model to predict the possibility of default risk in the future, and comprehensively reflects personal credit status with a score. The credit scoring system * * * has six grades, ranging from 32 to 8. Every 8 grades, the personal credit status is quantified in detail, and each score corresponds to a default probability. The higher the score, the lower the default risk. Graphical representation of rating and default probability: the lowest score is 324485664728 the highest score is F.