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The former is because of to the affect of organizational framework on technology adoption, and the latter is steady with theories of geography-dependent innovation diffusion.

Race is influential to the mortgage lending disicion in United states. Nevertheless, it is not critical in China. Job and cash flow degree have higher influence on the chance of having the personal loan. I will create one more critiria to recognize the sample in China based on the study of -œUnderstanding Home loan Lending Patterns-? by Issac F.

Megbolugbe. rnStrong expansion in China’s housing marketplaces.

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The housing mortgage in China is not very previous in comparison to other folks. rnæ‹›å

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  • 入实际应用。2009年,伴éš?æ–°å·´å¡žå°”å议实施对锶行信用风险计é‡?和管ç?†çš„è¦?求,招å
  • †é”¶è¡Œå…¨é?¢å¼€å?’了ä½?房按æ?­è´·æ¬¾ï¹’汽车消费贷款﹒个人消费贷款等å?„ç§?零售贷款业务的申请评分模型﹒行为评分模型和催收评分模型,并已覆盖95%以上的零售贷款业务。 招行的ä½?房按æ?­è´·æ¬¾ç”³è¯·è¯„分模型采用了欧美å
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  • †ä¸šé”¶è¡Œï¼Œä¸­å›½é”¶è¡Œä¸šå»ºç«‹å’Œåº”用信用评分模型的历å?²ä»?然比较短暂,在æ
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  • †é”¶è¡Œä¸ªäººä½?房贷款申请评分模型使用地区进行划分(segmentation),这是由于中国幅咘辽阔,å?„地区ç»?济å?’å±
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  • çš„å?¯é? 性较高。美国有1000多家å¾?信机构,但基本隶属于三家信用报咊公å?¸ï¼šExperian, TransUnionå’ŒEquifax。而中国央行下设的å¾?信中心2008å¹´æ­£å¼?开始æä¾›å¾?ä¿¡æœ?务,许多贷款申请人尚æ- 信用记å½
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  • °æ?®æ”¶é›†æ–¹é?¢è¿˜å­˜åœ¨ä¸€äº›å·®å¼‚å’Œä¸?足。 China Merchants Bank (hereinafter referred to as -œCMB-?) is one of the first bank engaged in learning and adopting credit scoring design in China given that 2004.

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