银行信誉卡发放问题的数学模型

摘要：针对某商业银行在发行信誉卡的过程中，就如何判定申请者信誉度这一问题，对提供的若干申请者的背景资料及相关数据应用概率统计方法进行统计，得出了Logistic回归模型，给出了比较直观、简秀、有效的判别准则，通过该模型，银行能够快速、有效地对申请者进行打分，从而判断出是否应该对该申请者发放信誉卡，从而简化了银行信誉卡发放时对申请者信誉度的评定过程．

Mathematics model on the problem of the bank credit card

The article through the commercial bank in publish credit card of process,how determines applicant's goodwill question,from some background data that applicant provide,and the covariance of the related data,application all the rate statisticses to analyze the method,get a Logistic regression model.In order to keep the view,simple distinguish the standard effectively.From this model,the bank can compare the fleetness and proceed to beat the cent to the applicant availably,judging whether should issue the prestige card to that applicant,simplify the bank prestige card issue assess the process to the prestige of the applicant.