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  行為信用評分(FIN320) 課程概要
 
  中文概要
  信用評分(credit scoring)已大量應用於金融業、電信事業、流通事業、網路商場等產業,成為顧客開發與管理的一項利器,不但可用於「選擇」品質良好的顧客(如借款人、信用卡持卡者等),降低倒帳風險,亦可用於「大量客製化」,針對個別消費者進行客製化服務(如個人化商品行銷)或客戶信用品質監管等,應用相當廣泛,具有實務應用價值。授課內容包括:信用評分的概念與應用領域、信用評分的理論依據、信用評分在實務上的應用。
  英文概要
  Credit scoring has been substantially applied to the industries of finance, telecommunications, logistic, and internet commerce etc., which has become an efficient instrument for the exploitation and management of customers. It cannot only“select” the quality customers (such as borrowers, credit holders, and so on) to decrease default risk, but also can “customize” commodities (such as personal marketing) or supervise the credit quality of customers. The considerable applications are valuable for the practices. The lecture contains: the concepts and fields of practices, the theories of credit scoring and the practical applications.
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