行为评分技术自1970年问世以来, 被认为在现有消费贷款账户及客户管理上非常具有参考价值的个人信用评估技术,和“信用评分”技术一起成为商业银行向个人发放消费信贷及提供金融服务的一整套决策的基础。行为评分的应用包括以下几个方面: 信用额管理、催收、欺诈鉴别、授权管理、 针对性的营销策略制定、信用展期, 它与信用评分之间的区别主要包括了以下几点: ①信用评分模型决定是否给与新的贷款申请人贷款许可, 是前端决策; 而行为评分模型是对已有客户的风险管理与控制, 属于后端决策。②信用评分模型是用来区分好客户和坏客户, 行为评分的目的是如何提高收益。③信用评分所用的数据主要是传统的5C, 可以是外部评分, 行为评分模型还需要另外的信息, 包括: 合同期间账户的活动情况、平均余额、违约次数、正常还款次数、贷款拖欠的数目和时间、新贷款申请的信用得分等, 只能是内部评分。④信用评分模型是静态的, 得到的是客户某个时点的信用得分; 行为评分模型是动态的, 随着借款人的信用使用情况和偿付行为而不断改变翻译公司。

Since its advent in 1970, the behavior rating technology is considered as the very valuable personal credit rating technology for the current management of consumer credit accounts and clients. Along with the “credit rating” technology, it becomes the base on which commercial banks decide to grant consumer credit to and provide financial service for individuals. The application of behavior rating consists of: credit management, collection, fraud identification, authorized management, establishment of pertinent marketing strategy, and extension of credit. The main difference between it and credit rating is : ①Credit rating mode is to decide whether to grant a loan to a new applicant; it is front-end decision. However, behavior rating mode is the risk management and control of the existing clients; it is back-end decision. ②Credit rating mode is to distinguish between clients of good and bad credits, while behavior rating mode is to find out how to increase income. ③The data used by credit rating is mainly the traditional 5C; it can be external rating, but behavior rating mode also needs the other information including the transaction situation of account during contract term, average balance, times of breaching contract, times of regular payment, amount and time of loan delinquency, credit score of new application for a loan, etc., and it can only be internal rating. ④Credit rating mode is static and it gets a client’s credit score at certain time point; behavior rating mode is dynamic, and it differs according to the using of credit and payment behavior of the borrower.