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±??¶?¸??´? ???¼ ½?¿?Æ?°¡½?½º??(Credit Scoring System)?? ???Ø ¸¸??¾??ø ??·?¸? ??¿???¿? ±??¶°?·¡ ¼³?¤ ½? ????°??¤?? ??°? ??½?´?´?. ½?¿?Æ?°¡½?½º??¿¡´?
½?¿?Æ?°¡??¿¡¼ ??°ø??´? °³??½?¿?Æ??¡ ¹× ½?¿??¤º¸, ???? °?°´???? °?·¡?¤º¸ ???? ¹?¿???´?´?. ±??¶?¸???? ½?¿?Æ?°¡ ½?½º???º ¿???¿¡ ??¶? ½???½?¿?Æ?°¡½?½º??°? ???¿½?¿?Æ?°¡½?½º???¸·? ³ª´²??´?´?. |
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??·? ½?±?°?°´?? ´???½?????³ª ????¹ß±Þ ???? °?·¡½??? ???? ¸????¸·? °³¹ß?? ½?½º???¸·? ?÷??, ¼??æ ?? °³???? ??°ø??´? ?¤º¸¿? ¿??¼¿?º? ???? ?¤º¸°¡
¹?¿???´?´?. |
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°?·¡ ?ß?? °?°´???? ½?¿?????°?¸®, °?°´???? ???? ¸????¸·? °³¹ß?? ½?½º???¸·? ½?¿?°?·¡±?°?, ´?????????·? ?? º¸????°? ??´? °????? ?¤º¸°¡ ¹?¿???´?´?. |
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±?¾÷ ¶?´? °ø°ø±?°?¿¡¼ ?÷¿ø ?¤¿? ½? °³???? ½?¿???¸? Æ?´???±? ?§?Ø ??°? ??·?·? ??¿?
?? ¼? ??½?´?´?. |
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| ½?¿??¤º¸ |
??¼¼?¤º¸ |
¼???±?°? |
?°¿?±?°? |
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| ½?¿?°?·¡?¤º¸ |
´???, ½?¿?????, ?¼??????(½?¿?????±?´? Æ÷??), º¸??, °¡°?´???°³¼³, SCIÆ?°¡?¤º¸?? ?¸¿ø??¿? ½?¿?°?·¡°³¼³ |
?º??¿????¸,
?¸¿ø?? |
±?°?????¾ø?½ |
| ½?¿???Æ?´??¤º¸ |
?¤¹?º??????¤º¸
(¿??¼/º???/´???±Þ,´??§º???) |
?º??¿????¸,
?¸¿ø?? |
º??? ¿?·? ?? 5³? |
| ±??¶??¼¹®¶??¤º¸ |
?º??¿????¸ |
º??? ¿?·? ?? 5³? |
| °ø°ø?¤º¸ |
¼¼±?, °???·? °?·? ?¼³³ |
?º??¿????¸ |
º??? ¿?·? ?? 5³? |
| °³???¸??, ¸???, ½?¿??¸º¹??¿ø ?? |
?º??¿????¸ |
??·???·?º???
??´?5³? |
?¤¹?º??????¤º¸
(½?¿??¤º¸??) |
??¸?¸ð¾Æ, ±¹¹???º¹±?±?(±¸.½?¿??¸º¹±?±?), SCIÆ?°¡?¤º¸ ?¸¿ø???? ¿??¼?¤º¸ |
??±¹????°?¸®°ø??,
?¸¿ø?? |
º??? ¿?·? ?? 5³? |
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½?¿???Æ?´??¤º¸, °ø°ø?¤º¸, ?¤¹?º??????¤º¸(½?¿??¤º¸??) |
| º??¤¼??Ø |
½?¿?°?·¡?¤º¸(´???, º¸??) |
| ½?¿?°?·¡±?°? |
½?¿?°?·¡?¤º¸ |
| ½?±?½?¿?°³¼³ |
½?¿?°?·¡?¤º¸ |
| ½?¿?°?·¡?¾·? |
½?¿?°?·¡?¤º¸ |
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?¤¹?¸? ±??? ³?¿¡ ??????¿´´?°¡¿¡ °??? ³?¿??¸·? ???? ?¤¹?º??????? ¿?º? ¶?´? °?°?¿¡
?¤¹?º????? °æ???? ??´??? ??¿¡ ´??? ?¤º¸??´?´?. |
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¹?·¡¿¡ ½?¿??§???? ¹ß???? ?®·?¿¡ ?÷?????? ¿????? ³??¡±? ¶§¹®¿¡ ½?¿?Æ?°¡¿¡ °¡?? ?ß
?? ¿????? ??´?´?. |
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±??? ³?¿¡ ?¤¹?¸? ???????? ¸ø??´? ???§´? ½?¿?Æ??¡¿¡ °¡?? º??¤???? ¿????? ??´?´?. |
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±??? ³?¿¡ ???????? ¸ø?? ?¤¹??? ¿??¼??¼?°¡ ±æ¼?·?, ¹ß?? °?¼?°¡ ¸¹??¼?·?, ±?¾×??
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?¤¹? ???? ????, ±?°??? °æ°? ??¼?·? Æ?°¡¿¡ ¹?¿? ??´? º??ß?º ³·¾Æ??´?´?. |
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º¸????°? ??´? ?¤¹????²?¸·? ´???, º¸??, ??º?±? ?? ±??¶±?°? ¹× ??º???¿¡ ??????¿?¾ß
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º¸????°? ??´? ?¤¹???¾×?º ¹?·¡?? ?¤¹?????º?´??? ?¤??¸? ³ª?¸³?±? ¶§¹®¿¡ ½?¿?Æ?°¡¿¡ ?ß¿??? Æ?°¡¿?¼?°¡ ??´?´?. |
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°?±?¸®·? ?ß?¤??´? ±?°?¿¡¼?? °?·¡¹ß?? º??ß?? ³?¾Æ??¼?·? Æ??¡¿¡ º??¤???? ¿?¼?·? ??¿??? ¼? ??½?´?´?. |
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½?¿?????°³¼³, ´??? ?? ½?¿?°?·¡°¡ °³¼³?? ????·? ¾?¸¶ ?¿¾? °?·¡¸? ?????ß´???¿¡ ´??? ?¤º¸??´?´?. |
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½?¿?°?·¡°¡ ¹ß???? ???? ?Ø´? °?·¡°¡ ??±?°??¸·? ??????¼?·? Æ??¡¿¡ ±??¤???? ¿?¼?·? ??¿???´?´?. |
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??±?¿¡ ¹ß???? ½?±?°?·¡ ¹ß?? °?¼?¸? ³ª?¸³?´? ?¤º¸??´?´?. |
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??±?¿¡ ¹ß???? ½?±? ½?¿?°?·¡´? ¹ß?? °?¼?¿¡ ??¶? ???????? ½?¿??§?? ?¤??°¡ ´Þ¶??? ¼? ??±? ¶§¹®¿¡, Æ?º°?÷ ½?¿?°?·¡±?°??? ±æ?? ¾??º °³??¿¡ ´??ؼ´? ½?¿??§???? Æ?°¡??´? ?ß¿??? ¿?¼?°¡ ?? ¼? ??½?´?´?. |
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´?±?°?¿¡ ±Þ°??÷ ´?¾?³ ½?±?½?¿?°³¼³(½?¿????? ¹ß±Þ, ´???½??? ??)?º Æ??¡¿¡ º??¤???? ¿????¸·? ??¿??? ¼? ??½?´?´?. |
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½?¿?´???, ????´?º¸´???, ????·Ð ?? ???? ??¿???°? ??´? ???°?? ?¾·???´?´?. |
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½?¿?°?·¡?¾·?¿¡ ??¶? ?¤¹?????º?´?¿¡ ?÷??°¡ ??°?, ¿?·? ?¾·??? ½?¿?°?·¡¸? ??¿???°? ??´??? ¶?´? ?? °¡?? ?¾·??? ½?¿?°?·¡¸¸?? ??¿???°? ??´??? ?? º¸????°? ??´? °?·¡???° ?¾·?¿¡ ??¶? ½?¿??§?? ?¤??°¡ ´Þ¶??? ¼? ??½?´?´?. |
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½?¿?´???, ????·Ð, ??±?¼º?½º ???? ???° º??ß?? ³???¼?·? Æ??¡¿¡ º??¤???? ¿????¸·? ??¿??? ¼? ??½?´?´?. |
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| ±¸ºÐ |
??°?·® |
???¤ ±??Ø?¡ |
´??? ¸ð?? ?æ?· ¿?º? |
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| º?º°·? |
K-S |
50???? |
?æ?· |
| GINI index |
0.6???? |
?æ?· |
| Divergence |
1.0???? |
?æ?· |
| ¾??¤¼º |
PSI |
0.1¹?¸¸ |
?æ?· |
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| [¿¹½?] PSI °??? |
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| Score |
±??ؽ??¡
??¿ø ¼? |
±??ؽ??¡
±¸¼ºº? |
???? ??¿ø ¼? |
???? ±¸¼ºº? |
Contribution
to index |
|
|
| 90 ~ |
800 |
8 |
525 |
7 |
0.001 |
| 80 ~ 89 |
1,050 |
11 |
700 |
9 |
0.001 |
| 70 ~ 79 |
1,200 |
12 |
825 |
11 |
0.001 |
| 60 ~ 69 |
1,300 |
13 |
850 |
11 |
0.002 |
| 50 ~ 59 |
1,350 |
14 |
900 |
12 |
0.002 |
| 40 ~ 49 |
1,100 |
11 |
875 |
12 |
0.000 |
| 30 ~ 39 |
1,050 |
11 |
825 |
11 |
0.000 |
| 20 ~ 29 |
950 |
10 |
900 |
12 |
0.006 |
| ~ 19 |
1,200 |
12 |
1,100 |
15 |
0.005 |
| ??°? |
10,000 |
|
7,500 |
|
PSI = 0.019 |
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(´??§: ¸?)
| ½?¿???±Þ |
2013³? 3¿? |
2013³? 6¿? |
2013³? 9¿? |
2013³? 12¿? |
| 1 |
2,780,528 |
2,863,145 |
2,831,484 |
2,858,660 |
| 2 |
5,292,188 |
5,282,709 |
5,130,279 |
5,036,382 |
| 3 |
5,565,037 |
5,611,987 |
5,704,144 |
5,776,825 |
| 4 |
6,107,028 |
6,233,939 |
6,307,755 |
6,326,925 |
| 5 |
5,172,763 |
5,121,574 |
5,302,718 |
5,438,554 |
| 6 |
3,321,294 |
3,301,245 |
3,322,921 |
3,347,541 |
| 7 |
1,394,200 |
1,446,532 |
1,468,572 |
1,438,537 |
| 8 |
2,001,075 |
1,969,304 |
1,990,497 |
1,988,149 |
| 9 |
1,283,548 |
1,285,937 |
1,321,383 |
1,234,935 |
| 10 |
471,142 |
481,897 |
348,163 |
380,969 |
| °? |
33,388,803 |
33,598,269 |
33,727,916 |
33,827,477
|
(´??§: ¸?)
| ½?¿???±Þ |
2013³? 3¿? |
2013³? 6¿? |
2013³? 9¿? |
2013³? 12¿? |
| 1 |
1,562,947 |
1,578,121 |
1,534,471 |
1,521,120 |
| 2 |
1,390,240 |
1,398,843 |
1,421,691 |
1,446,225 |
| 3 |
1,491,414 |
1,495,891 |
1,507,749 |
1,517,638 |
| 4 |
3,302,552 |
3,299,364 |
3,288,496 |
3,297,771 |
| 5 |
2,846,054 |
2,811,169 |
2,860,412 |
2,883,614 |
| 6 |
3,262,398 |
3,237,962 |
3,252,205 |
3,278,929 |
| 7 |
1,313,101 |
1,374,413 |
1,395,448 |
1,361,852 |
| 8 |
690,367 |
693,119 |
652,837 |
640,960 |
| 9 |
838,916 |
838,477 |
791,810 |
750,513 |
| 10 |
416,185 |
429,500 |
297,834 |
327,257 |
| °? |
17,114,174 |
17,156,859 |
17,002,953 |
17,025,879 |
(´??§: ¸?)
| ½?¿???±Þ |
2013³? 3¿? |
2013³? 6¿? |
2013³? 9¿? |
2013³? 12¿? |
| 1 |
2,780,528 |
2,863,145 |
2,831,484 |
2,858,660 |
| 2 |
5,292,188 |
5,282,709 |
5,130,279 |
5,036,382 |
| 3 |
5,565,037 |
5,611,987 |
5,704,144 |
5,776,825 |
| 4 |
6,084,271 |
6,210,658 |
6,280,260 |
6,296,909 |
| 5 |
2,566,095 |
2,552,510 |
2,582,941 |
2,603,593 |
| 6 |
1,901,619 |
1,921,248 |
1,963,256 |
1,987,112 |
| 7 |
955,151 |
1,016,565 |
1,036,789 |
995,715 |
| 8 |
573,149 |
580,661 |
592,243 |
578,336 |
| 9 |
482,389 |
497,229 |
550,264 |
521,451 |
| 10 |
291,343 |
301,884 |
227,929 |
248,750 |
| °? |
26,491,770 |
26,838,596 |
26,899,589 |
26,903,733 |
| ¾÷?¾ |
??¿?±?°? ¼? |
º?°? |
| ?º?? |
0 |
|
| ½?¿????? |
0 |
|
| ??º?±??¶ |
0 |
|
| º¸?? |
10 |
|
| ?????????º?? |
1 |
|
| ??±? |
1 |
|
| ´?º?¾÷ |
45 |
|
| ±??¸ |
310 |
????, ???¶
¸®½º·??? ?? |
| ??°? |
367 |
|
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