金融业需要信用风险管理,因为我们需要最大限度地规避高风险的申请人和最有效地降低坏账。然而目前通用的决策程序,一般从接收申请开始,然后把数据输入申请系统。是否接受申请以至制定相关的规则、额度、条款等全过程都是人工操作,没有一个自动化系统能连接到决策工具、自动评 The financial industry needs credit risk management because we need to minimize high-risk applicants and minimize bad debts. However, the current general decision-making process, usually from the beginning to receive the application, and then enter the data application system. Whether to accept the application as well as the development of the relevant rules, quotas, terms and the whole process are manual operation, no automated system can connect to the decision-making tools, automatic assessment