A Multi-factors Evaluation Method on Credit Evaluation of Commerce Banks

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The concept of multi-factors detached coefficients is put forth and an evaluation method is given for customer’s credit in this paper. We also get the optimal multi-factors detached coefficients matrix by minimizing the estimate errors. According to this matrix, we get the scores vector of customer’s credit at n  factors, further the credit of the customers is evaluated and selected by commerce banks.

Humanities Foundation of State Education Ministry (NO.02JA790009) supports this work.