信用評分是什麼
信用貸款
運用統計分析理論及方法,將聯徵中心所蒐集在揭露期限內的資料,以客觀、量化演算而得的分數,用以預測當事人未來一年能否履行還款義務的信用風險。某一時點查得的個人信用評分,僅代表該時點該當事人的信用風險,若該當事人於聯徵中心的信用資料隨時間而有異動時,其個人信用評分即可能隨之變動。
簡單來說就是:
透過金融機構、聯徵中心所蒐集的資料,來「預測申請人未來一年是否有還款的能力」,分數會隨著申請的時間點不同而有異動,假如分數低於400分,被銀行拒絕的機率高達80%的退件。
信用評分是什麼
信用貸款
運用統計分析理論及方法,將聯徵中心所蒐集在揭露期限內的資料,以客觀、量化演算而得的分數,用以預測當事人未來一年能否履行還款義務的信用風險。某一時點查得的個人信用評分,僅代表該時點該當事人的信用風險,若該當事人於聯徵中心的信用資料隨時間而有異動時,其個人信用評分即可能隨之變動。
簡單來說就是:
透過金融機構、聯徵中心所蒐集的資料,來「預測申請人未來一年是否有還款的能力」,分數會隨著申請的時間點不同而有異動,假如分數低於400分,被銀行拒絕的機率高達80%的退件。
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since, and more recently with desktop publishing software.
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since, and more recently with desktop publishing software.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since, and more recently with desktop publishing software.
測試
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since, and more recently with desktop publishing software.
Lorem Ipsum has been the industry's standard dummy text.
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum is simply dummy text of the printing and typesetting has been the industry's.
Lorem Ipsum has been the industry's standard dummy text.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here'.
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