纰╁＋瀛�(xu茅)浣嶈珫鏂�:鍊�(g猫)浜轰俊鐢ㄨ⿻鍒嗙殑閵�琛屽偓鏀剁郴绲�(t菕ng)
(2016/4/30)
纰╁＋瀛�(xu茅)浣嶈珫鏂囷紙宸ョ▼纰╁＋锛� 鍩轰簬鍊�(g猫)浜轰俊鐢ㄨ⿻鍒嗙殑閵�琛屽偓鏀剁郴绲�(t菕ng)鐨勮ō(sh猫)瑷�(j矛)鑸� 瀵�(sh铆)鐝�(xi脿n) 浠插悜鍓� 2011 鍦嬪収(n猫i)鍦栨浉鍒嗛铏�(h脿o)锛歍P311.52瀛�(xu茅)鏍′唬纰硷細10213 鍦嬮殯鍦栨浉鍒嗛铏�(h脿o)锛�621.3 瀵嗙礆(j铆)锛氬叕闁� 宸ョ▼纰╁＋瀛�(xu茅)浣嶈珫鏂� 鍩轰簬鍊�(g猫)浜轰俊鐢ㄨ⿻鍒嗙殑閵�琛�鍌敹绯荤当(t菕ng)鐨勮ō(sh猫)瑷�(j矛)鑸� 瀵�(sh铆)鐝�(xi脿n) 鍝堢埦婵卞伐妤�(y猫)澶у(xu茅)Classified Index: TP311.52 U.D.C: 621.3 Dissertation MasterDegree BANKDEBT COLLECTION SYSTEM BASED PERSONALCREDIT SCORING Candidate锛� Zhong Xiangqian Supervisor锛� Prof. Xu Zhiming Associate Supervisor: Senior Eng. Feng xin Academic Degree Applied EngineeringSpeciality锛� Software Engineering Affiliation锛� School SoftwareDate Defence锛歁arch, 2011 Degree-Conferring-Institution锛� Harbin Institute Technology鍝堢埦婵卞伐妤�(y猫)澶у(xu茅)宸ョ▼纰╁＋瀛�(xu茅)浣嶈珫鏂� 鍌敹鏄妧琛屼俊璨搁ⅷ(f膿ng)闅�(xi菐n)绠＄悊宸ヤ綔涓殑閲嶈绲勬垚閮ㄥ垎锛岀鐞嗚�呭湪璩囩敘(ch菐n)绲勫悎瀵�(sh铆)鐝�(xi脿n)澧炲�肩殑鍚屾檪(sh铆)锛屼笉寰椾笉闈㈠皪寤舵化璩埗涔熷皣澧為暦鐨勭従(xi脿n)瀵�(sh铆)銆備絾寰炵⿳妤电殑瑙掑害渚嗙湅锛岄妧琛屾壙 鍙楅ⅷ(f膿ng)闅�(xi菐n)鐨勮兘鍔涙焙瀹氬叾鍗犻牁(l菒ng)甯傚牬浠介鐨勭鐖姏銆傚彧鏈夋搧鏈夊挤(qi谩ng)澶у偓鏀惰兘鍔涚殑閵�琛屾墠鑳� 閫氶亷鎷撳睍寤ｆ硾鐨勫鎴剁兢楂�锛屽湪婵�鐑堢殑甯傚牬绔剁埈涓崰寰楀厛姗�(j墨)锛屽(sh铆)鐝�(xi脿n)鍒╂饯鐨勭獊鐮�銆� 鐩墠锛屾垜鍦嬮妧琛岀殑鍌敹宸ヤ綔寰堝閭勫仠鐣欏湪鎵嬪伐鎿嶄綔闅庢锛屽悇浼佹キ(y猫)绠＄悊姘村钩鍜� 妤�(y猫)鍕�(w霉)娴佺▼宸垾杓冨ぇ锛屽瓨鍦ㄨ純澶氱殑棰�(f膿ng)闅�(xi菐n)闅辨偅锛屼富瑕侀珨鐝�(xi脿n)鍦細閵�琛屽収(n猫i)閮ㄥ皪鍚屼竴鍌靛嫏(w霉)浜� 涓嶅悓鐢�(ch菐n)鍝佺殑淇＄敤瑭曞垎妯�(bi膩o)婧�(zh菙n)涓嶅悓锛屼俊鎭湪鍚勭礆(j铆)涔嬮枔涓嶈兘蹇��銆佹湁鏁堝偝閬烇紝閫犳垚淇℃伅 闃绘柗锛屼笉鍚岄儴闁�灏嶅悓涓�鍊熸浜洪噰鍙栫殑鍌敹鎺柦浜掍笉鐩稿悓锛屽伐浣滅稉(j墨ng)椹�(y脿n)鍜屼俊鎭笉鑳藉叡 浜�锛岀稉(j墨ng)鐕熼ⅷ(f膿ng)闅�(xi菐n)鎬ф彁楂樸�� 鍩轰簬鍊�(g猫)浜轰俊鐢ㄨ⿻鍒嗙殑閵�琛屽偓鏀剁郴绲�(t菕ng)锛岄噰鐢ㄤ俊鐢ㄨ⿻鍒嗘ā鍨嬫柟寮忎締閫�(j矛n)琛岄ⅷ(f膿ng)闅�(xi菐n)绠� 鐞�锛岄亱(y霉n)鐢ㄧ従(xi脿n)浠ｇ殑鏁�(sh霉)鐞嗙当(t菕ng)瑷�(j矛)妯″瀷鎶�琛�(sh霉)锛岄�氶亷灏嶅偟鍕�(w霉)浜轰俊鐢ㄦ鍙茶閷勫拰妤�(y猫)鍕�(w霉)娲诲嫊(d貌ng)瑷橀寗 鐨勬繁搴︽暩(sh霉)鎿�(j霉)鎸栨帢銆佸垎鏋愬拰鎻愮厜锛岀櫦(f膩)鐝�(xi脿n)铇�(y霉n)鍚湪绱涚箒寰�(f霉)闆滄暩(sh霉)鎿�(j霉)涓�銆佸弽鏄犲偟鍕�(w霉)浜洪ⅷ(f膿ng)闅�(xi菐n)鐗� 寰佸拰闋�(y霉)鏈熶俊璨歌〃鐝�(xi脿n)鐨勭煡璀�(sh铆)鍜岃(gu墨)寰�锛屽苟閫氶亷瑭曞垎鐨勬柟寮忕附绲�(ji茅)鍑轰締锛屼綔鐐洪妧琛屾彁楂�/ 闄嶄綆淇＄敤椤嶅害銆佸偓鏀剁瓥鐣ヨ(di脿o)鏁�銆佸鎴堕ⅷ(f膿ng)闅�(xi菐n)闋�(y霉)璀︾瓑绠＄悊姹虹瓥鐨勭瀛�(xu茅)渚濇摎(j霉)銆� 鏈枃棣栧厛瑾槑瑾查鐨勪締婧愬拰鑳屾櫙浠ュ強鍦嬪収(n猫i)澶栫殑鐧�(f膩)灞曠従(xi脿n)鐙�锛岃◣璜栨湰璜栨枃鐨勭爺绌� 鍏�(n猫i)瀹�锛涙槑纰虹郴绲�(t菕ng)鐨勫缓瑷�(sh猫)鐩(bi膩o)锛屽苟鏍规摎(j霉)绯荤当(t菕ng)鐨勫姛鑳借姹�锛屽緸鍌敹鍝″伐浣滆嚭(t谩i)銆佺郴绲�(t菕ng)鎵� 铏曠悊浣滄キ(y猫)浠ュ強鍌敹绛栫暐缍(h霉)涓夊��(g猫)鏂归潰灏嶆湰瑾查閫�(j矛n)琛屼簡鍔熻兘鍒嗘瀽锛屽悓鏅�(sh铆)灏嶇郴绲�(t菕ng)鐨勬牳 蹇冩妧琛�(sh霉)銆佺浉闂�(gu膩n)绠楁硶浠ュ強閬�(y霉n)琛岀挵(hu谩n)澧冮��(j矛n)琛屼簡鍒嗘瀽銆傚湪姝ゅ熀绀�(ch菙)涔嬩笂锛岄棥杩颁簡鍊�(g猫)浜轰俊鐢ㄨ⿻ 鍒嗘ā鍨嬬殑瑷�(sh猫)瑷�(j矛)閬庣▼锛屽皪绯荤当(t菕ng)鐨勭附楂旂祼(ji茅)妲�(g貌u)銆佹暩(sh霉)鎿�(j霉)搴互鍙婁富瑕佺殑瀛愮郴绲�(t菕ng)閫�(j矛n)琛屼簡瑷�(sh猫)瑷�(j矛)銆� 鍦ㄧ郴绲�(t菕ng)瀵�(sh铆)鐝�(xi脿n)閮ㄥ垎锛屾湰鏂囧皪绯荤当(t菕ng)鍚勬ā濉婄殑瀵�(sh铆)鐝�(xi脿n)鏂规硶浠ュ強娴佺▼閫�(j矛n)琛屼簡瑭崇窗(x矛)瑾槑锛涙渶鍚�锛� 灏嶅��(g猫)浜轰俊鐢ㄨ⿻鍒嗘ā鍨嬬殑鏈夋晥鎬т互鍙婄郴绲�(t菕ng)闂�(gu膩n)閸靛姛鑳界殑鎬ц兘閫�(j矛n)琛屾脯瑭�锛屽苟鍋氬嚭鐩告噳(y墨ng)鐨� 娓│瑭曞児(ji脿)銆� 闂�(gu膩n)閸佃锛氶ⅷ(f膿ng)闅�(xi菐n)绠＄悊锛涘偓鏀剁郴绲�(t菕ng)锛涗俊鐢ㄨ⿻鍒�锛汱ogistic鍥炴锛涙暩(sh霉)鎿�(j霉)鎸栨帢 鍝堢埦婵卞伐妤�(y猫)澶у(xu茅)宸ョ▼纰╁＋瀛�(xu茅)浣嶈珫鏂� II Abstract Debt Collection importantpart bankrisk management. sametime portfolioappreciation, managers have overdueaccounts growing.From positivepoint bankrisk appetite may determine its competition marketshare. Only bankhas strongdebt collection capabilities can get ahead fiercemarket competition widerange customers.Currently, debt collection work manualoperation manybanks. enterprisemanagement level businessprocesses vary greatly. potentialrisks, mainly reflected samedebtor has different credit scoring criteria differentproducts bankinternal. information can deliveredfast efficiently,resulting informationblock. Different departments take action samedebtor from each other. Work experience informationcan shared,which lead higherrisk. bankdebt collection base personalcredit scoring manage debtors鈥� credit risk using credit scoring models mathematicalstatistics. datamining, analysis debtors鈥檆redit history businessactivities records, systemcan find lawsreflecting debtors鈥檆redit risk characteristics expectedperformance contained numerouscomplex data sumup waythrough scientificbasis raising/loweringcredit limit, collection strategy adjustment, early warning customerrisk othermanagement decisions. dissertationfirstly explains developmentstatus similarsystems dissertationanalyzed systemrequirements from Collector Workbench, System Batch Job CollectionStrategy Maintance module, explained Keytechnology, algorithm systemenvironments, describe designprocess personalcredit scoring model, designed systemarchitecture systemimplementation, paperincluded eachmodule detaildescription process.Finally, papervalidated creditscoring model, tested systemkey functions appropriateevaluation. Keywords: Risk Management, Collection System, Credit Scoring, Logistic Regression, Data Mining 鍝堢埦婵卞伐妤�(y猫)澶у(xu茅)宸ョ▼纰╁＋瀛�(xu茅)浣嶈珫鏂� III 1.1瑾查鐨勪締婧愬拰鑳屾櫙 1.2鍦嬪鐮旂┒鐝�(xi脿n)鐙� 1.2.1缇庡湅鑺辨棗閵�琛孋ACS 绯荤当(t菕ng) 1.2.2婢冲ぇ鍒╀簽鍦嬪閵�琛孌ebt Manager 绯荤当(t菕ng) 1.3鍦嬪収(n猫i)鐮旂┒鐝�(xi脿n)鐙� 1.3.1娴︾櫦(f膩)閵�琛孋CMS 绯荤当(t菕ng) 1.3.2浜ら�氶妧琛孍nsemblePro 绯荤当(t菕ng) 1.4鍦嬪収(n猫i)澶栧偓鏀剁郴绲�(t菕ng)姣旇純 1.5閵�琛屽偓鏀剁郴绲�(t菕ng)鐨勭櫦(f膩)灞曡定鍕� 1.6鏈珫鏂囩殑涓昏宸ヤ綔鍏�(n猫i)瀹� 2.1鍌敹绯荤当(t菕ng)鍔熻兘鍒嗘瀽 2.1.1鍌敹鍝″伐浣滆嚭(t谩i) 2.1.2鍌敹绛栫暐缍(h霉) 2.1.3鎵硅檿鐞嗕綔妤�(y猫) 2.2鍌敹绯荤当(t菕ng)鎬ц兘闇�姹� 102.3 鍌敹绯荤当(t菕ng)鎺ュ彛闇�姹� 102.4 鍌敹绯荤当(t菕ng)闂�(gu膩n)閸垫妧琛�(sh霉) 112.4.1 瀹㈡埗瑭曞垎妯″瀷 112.4.2 閭忚集鍥炴鍒嗘瀽 132.4.3 鍩轰簬宸ヤ綔娴佺殑绛栫暐缍(h霉) 132.5 鏈珷灏忕祼(ji茅) 153.1 鍌敹绯荤当(t菕ng)绺介珨绲�(ji茅)妲�(g貌u)瑷�(sh猫)瑷�(j矛) 15鍝堢埦婵卞伐妤�(y猫)澶у(xu茅)宸ョ▼纰╁＋瀛�(xu茅)浣嶈珫鏂� IV 3.1.1 绯荤当(t菕ng)閲囩敤鐨勯珨绯荤祼(ji茅)妲�(g貌u) 153.1.2 绯荤当(t菕ng)閲囩敤鐨勬妧琛�(sh霉)妗嗘灦 163.1.3 绯荤当(t菕ng)鐨勭附楂斿姛鑳界祼(ji茅)妲�(g貌u) 173.2 鍌敹绯荤当(t菕ng)鏁�(sh霉)鎿�(j霉)搴ō(sh猫)瑷�(j矛) 173.2.1 閭忚集瀵�(sh铆)楂旈棞(gu膩n)绯� 173.2.2 閫氱敤鎿�(ku貌)灞曞瓧娈佃ō(sh猫)瑷�(j矛) 183.2.3 鏁�(sh霉)鎿�(j霉)搴殑鐗╃悊瑷�(sh猫)瑷�(j矛) 193.3 鍌敹绯荤当(t菕ng)鍌敹鍝″伐浣滆嚭(t谩i)瑷�(sh猫)瑷�(j矛) 223.3.1 鍌敹鍝″伐浣滆嚭(t谩i)鏁�(sh霉)鎿�(j霉)娴佸湒 223.3.2 鍌敹鍝″伐浣滆嚭(t谩i)鐣岄潰瑷�(sh猫)瑷�(j矛) 233.3.3 鍑洪尟(cu貌)铏曠悊瑷�(sh猫)瑷�(j矛) 243.4 鍌敹绯荤当(t菕ng)鎵硅檿鐞嗗瓙绯荤当(t菕ng)瑷�(sh猫)瑷�(j矛) 243.4.1 鎵硅檿鐞嗘祦绋嬭ō(sh猫)瑷�(j矛) 243.4.2 宸ヤ綔闅�(du矛)鍒楀缓绔嬭ō(sh猫)瑷�(j矛) 253.4.3 鎵硅檿鐞嗚(di脿o)搴﹁ō(sh猫)瑷�(j矛) 263.5 鍌敹绯荤当(t菕ng)瀹㈡埗瑭曞垎妯″瀷瑷�(sh猫)瑷�(j矛) 273.5.1 淇＄敤瑭曞垎灏嶈薄 273.5.2 鏁�(sh霉)鎿�(j霉)鏅�(sh铆)闁撴鍔冨垎 283.5.3 琛ㄧ従(xi脿n)璁婇噺瀹氱京 293.5.4 闋�(y霉)娓畩閲忔彁鐓� 293.6 鍌敹绯荤当(t菕ng)绛栫暐缍(h霉)瑷�(sh猫)瑷�(j矛) 303.7 鎺ュ彛瑷�(sh猫)瑷�(j矛) 313.8 鏈珷灏忕祼(ji茅) 324.1 鍌敹绯荤当(t菕ng)鍌敹鍝″伐浣滆嚭(t谩i)瀵�(sh铆)鐝�(xi脿n) 324.1.1 璩埗鏌ヨ 324.1.2 妗堜欢娉ㄨ 334.1.3 璩埗鎵�鏈夋瑠(qu谩n)杞�(zhu菐n)绉� 354.1.4 妗堜欢濮斿 364.1.5 閭勬瑷�(j矛)鍔冨缓绔� 384.1.6 鐭俊/闆婚兊/淇″嚱鐧�(f膩)閫� 394.2 鍌敹绯荤当(t菕ng)鎵硅檿鐞嗗瓙绯荤当(t菕ng)瀵�(sh铆)鐝�(xi脿n) 404.2.1 鏂拌超鎴跺皫(d菐o)鍏ラ亷绋� 40鍝堢埦婵卞伐妤�(y猫)澶у(xu茅)宸ョ▼纰╁＋瀛�(xu茅)浣嶈珫鏂� 4.2.2浜ゆ槗灏�(d菐o)鍏ラ亷绋� 424.2.3 鏇存柊閬庣▼ 434.2.4 璺敱铏曠悊閬庣▼ 434.2.5 宸ヤ綔闅�(du矛)鍒楀缓绔嬮亷绋� 454.2.6 鎵硅檿鐞嗚(di脿o)搴﹀(sh铆)鐝�(xi脿n) 464.3 鍌敹绯荤当(t菕ng)瀹㈡埗瑭曞垎妯″瀷瀵�(sh铆)鐝�(xi脿n) 474.3.1 鏁�(sh霉)鎿�(j霉)闋�(y霉)铏曠悊 474.3.2 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