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FICO费埃哲公司它是风险管理信用技术的先驱者,对结构化大数据进行处理,FICO信用积分指标包含了15-20个变量。早在80年代就在美国银行业首创了征信评分FICO的概念。现在,服务覆盖全球80个国家和地区,为银行和信用卡发卡机构、保险、医疗保健、政府和零售行业提供服务。FICO信用分计算的基本思想是把借款人过去的信用历史资料与数据库中的全体借款人的信用习惯相比较,检查借款人的发展趋
FICO Faye, the pioneer in risk management credit technology, deals with structured big data, with 15-20 variables included in the FICO Credit Integral Index. As early as the 1980s in the United States banking pioneered the credit rating FICO concept. Now, the service covers 80 countries and regions, serving banks and credit card issuers, insurance, healthcare, government and retail industries. The basic idea of FICO credit calculation is to compare the past credit historical data of the borrower with the credit habits of all the borrowers in the database and check the development trend of the borrower