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1、文献出处：KruppaJ,SchwarzA,ArmingerG,etal.CConsumercreditriskassessment[J].ExpertSystemswithApplications,2014，40(13):25-41原文ConsumercreditriskassessmentKruppaJ,SchwarzA,ArmingerPORTFOLIOMANAGEMENTANDANALYTICSInBower’sview,consumercreditriskmustbeunderstoodintermsofaportfoliomanagementstrategyth
2、atbalancescapitalpreservationwithcapitaloptimization,thatis,“...acontinuousprocessofidentifyingandcapitalizinguponappropriateopportunitieswhileavoidinginappropriateexposureinsuchawayastomaximizethevalueofenterprise.”Capturingdataacrossallstepsinthecustomerrelationshipandintegratinginformat
3、ionmanagementarethekeystoeffectiveportfoliomanagement.Whilethisisafairlystraightforwardprescription,executingitisoftenbeyondthescopeofmanylenders,withthecreditcardcompaniesgenerallyinthevanguard.Often,theprocessstepsaremanagedonseparatelegacysystems,whichcomplicateeffortstointegrateinforma
4、tion.KPMGconsultantsfindthatmanyfirmstypicallypurgespecificfilesbeforetheinformationisextractedandcombinedwithotherdatatoprovideeffectiveportfoliomanagement.Thelossofapplicationdata,forexample,wouldmeanthatcriticalscore-cardanddemographicinformationwouldnotbeavailabletomodelbehaviorindefin
5、edcustomerorrisksegments.BESTPRACTICESINCREDIT-RISK-MANAGEMENTCredit-risk-managementpracticesvaryconsiderablyamongfirmsandbetweensegmentsoftheconsumerlendingindustry.Toillustratethevariability,Bowerdescribedtherangeofmanagementpracticesin:Creditdecision-making；credit-scoring；lossforecastin
6、g；portfoliomanagement.Onthefrontendofthecreditprocess,industryleadersareinvestinginanalyticstoimprovethecreditdecision-makingprocess.Buildingonexperiencewithcreditscoringtechnologies,theseleadersareemployingexpertsystemsthatcanadopttochangesintheeconomyorwithinspecificcustomersegments.Theu
7、seofcredit-scoringvariesfromthosethatareusingonlycreditbureaudata,tothosethatblendbureaudatawithotherinformationbasedonthefirm’sownexperience,tothemostadvancedapplicationsusingadaptivealgorithms.Thesemodels,usedbysomeoftheleadingcreditcardissuers,areupdatedreg
