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Các ÿӏQK QJKƭD YӅ UӫL ro tín GөQJ QKѭ sau:
5ӫL ro tín GөQJ khi QJѭӡL vay sai KҽQ trong YLӋF WKӵF KLӋQ QJKƭD Yө WUҧ Qӧ do QJѭӡL vay WUӉ KҽQ KRһF không thanh toán NKRҧQ Qӧ cho ngân hàng
5ӫL ro tín GөQJ là QKӳQJ WәQ WKҩW tài chính, ҧQK KѭӣQJ ÿӃQ OӧL QKXұQ ÿӕL YӟL ngân hàng, trong WUѭӡQJ KӧS nghiêm WUӑQJ có WKӇ GүQ ÿӃQ thua Oӛ KRһF WKұP chí phá VҧQ
Có QKLӅX FăQ Fӭ khác nhau ÿӇ phân ORҥL UӫL ro tùy theo PөF ÿtFK yêu FҫX nghiên FӭX có 2 ORҥL UӫL ro QKѭ
5ӫLURJLDRGӏFK ÿk\là UӫL ro quan WUӑQJ mà nguyên nhân phát sinh trong quá trình giao GӏFK và xét GX\ӋW Kӗ Vѫ cho vay, ÿiQK giá khách hàng
5 5ӫLURWK{QJWLQ ÿk\OjUӫLURnguyên nhân phát sinh trong YLӋF TXҧQ lý thông tin Kӗ Vѫ cho vay khách hàng FӫD ngân hàng
Theo Joel Bessis [11], Fy QKLӅX OoҥL UӫL UR ÿѭӧF SKkQ ORҥL WKHR QJXӗQ JӕF WKXDOӛELӃQÿӝQJWKӏWUѭӡQJKD\YӥQӧFiFORҥLUӫLURQKѭVDX
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Hình 1 0.1 0{W̫FiFWKjQKSK̯QFͯDK͕FPi\
Là WKXұW WRiQ Gӵ ÿRiQ PӕL TXDQ KӋ JLӳD ÿҫX YjR Yj ÿҫX UD %ҵQJ FiFK VӱGөQJELӃQPөFWLrXPӝWKjPÿѭӧFWҥRUDÿӇiQK[ҥÿҫXYjRWKjQKNӃWTXҧÿҫXUDPRQJPXӕQ4XiWUuQKÿjRWҥRVDXÿyÿѭӧFWLӃSWөFFKRÿӃQNKLP{KuQKÿҥWÿѭӧF
6 PӭF ÿӝFKtQK [iFWUrQGӳOLӋXÿjRWҥR, KӑF Fy JLiP ViW JӗPFy ORҥL pKkQ ORҥL (Classification) và hӗLTX\5HJUHVVLRQ &iFWKXұWWRiQKӑFFyJLiPViWQKѭ
Decision Tree: ÿk\OjWKXұWWRiQKӑFFyJLiPViWGӉKLӇXJҫQJNJLWUӵFTXDQ
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Nạve Bayes: ÿk\OjWKXұWWRiQKӑFFy JLiPViWPөF WLrXFӫDWKXұWWRiQOj [iFÿӏQKQKmQFӫDPӛLÿLӇPGӳOLӋXEҵQJFiFKFKӑQUDQKmQFy[iFVXҩWFDRQKҩW
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Phân tích mô hình
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