Credit Analysis Technique: USA's Simple Scoring System will not work in China. Scoring from 300-850 for a non developed credit market is inaccurate.
f(a, b, g)           US relies solely on FICO score, function " f " Problem: Direct importation of linear credit scoring in a “thin credit files” situation leads to incorrect and inconsistent lending conclusions. Solution: Utilize debit information (housing payment pattern, employment data, cell phone prepayment pattern, bank account volatility, balance aberation analysis) to build consumer debit/credit profile Main | Next>>