{"id":117293,"date":"2019-05-22T11:56:41","date_gmt":"2019-05-22T03:56:41","guid":{"rendered":"http:\/\/www.fagao.me\/?p=117293"},"modified":"2019-05-22T11:56:41","modified_gmt":"2019-05-22T03:56:41","slug":"%ef%bc%83%e6%9c%ba%e5%99%a8%e5%ad%a6%e4%b9%a0%ef%bc%83%ef%bc%83%e9%ab%98%e9%98%b6%e7%bb%9f%e8%ae%a1%ef%bc%83%e9%a3%8e%e6%8e%a7%e4%b8%ad%e7%9a%84%e5%a4%a7%e6%95%b0%e6%8d%ae%e5%92%8c%e6%9c%ba%e5%99%a8","status":"publish","type":"post","link":"https:\/\/www.fagao.me\/p\/117293.htm","title":{"rendered":"\uff03\u673a\u5668\u5b66\u4e60\uff03\uff03\u9ad8\u9636\u7edf\u8ba1\uff03\u98ce\u63a7\u4e2d\u7684\u5927\u6570\u636e\u548c\u673a\u5668\u5b66\u4e60(\u9884\u6d4b\u548c\u51b3\u7b56\u7684\u5b66\u95ee \u5e72\u8d27)"},"content":{"rendered":"

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<\/div>\n

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2. \u98ce\u63a7\u7684\u6838\u5fc3<\/strong><\/p>\n

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4. \u98ce\u63a7\u673a\u6784\u5728\u5927\u6570\u636e\u9886\u57df\u7684\u63a2\u7d22<\/strong><\/p>\n

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\u5728\u7f8e\u56fd\uff0c\u76f8\u6bd4\u5168\u9762\u66ff\u4ee3\u57fa\u4e8e\u4f20\u7edf\u5f81\u4fe1\u6570\u636e\u7684\u98ce\u63a7\u6a21\u578b\uff0c\u5927\u6570\u636e\u80fd\u591f\u8d77\u5230\u7684\u4f5c\u7528\u53ef\u80fd\u66f4\u591a\u7684\u4f1a\u5728\u67d0\u4e2a\u7279\u5b9a\u7528\u6237\u7fa4\u4f53\u4e0a\u7684\u6027\u80fd\u4f18\u5316\u3002\u4f8b\u5982\uff0c\u6211\u4eec\u53d1\u73b0FICO\u5206\u5728580-600\u5206\u8fd9\u4e2a\u533a\u95f4\u7684\u7528\u6237\u7684\u903e\u671f\u7387\u662f15%\u3002\u8fd9\u662f\u6bd4\u8f83\u9ad8\u7684\u98ce\u9669\uff0c\u5927\u591a\u6570\u94f6\u884c\u548c\u8d37\u6b3e\u516c\u53f8\u662f\u4e0d\u505a\u8fd9\u4e2a\u7fa4\u4f53\u7684\uff0c \u56e0\u4e3a\u9700\u8981\u8986\u76d6\u8fd9\u4e48\u9ad8\u7684\u98ce\u9669\u6240\u9700\u8981\u7684\u5229\u7387\u53ef\u80fd\u9ad8\u4e8e\u4ed6\u4eec\u7684\u4e1a\u52a1\u5141\u8bb8\u8303\u56f4\u4e86\u3002\u7136\u800c\uff0c15%\u7684\u4eba\u8fdd\u7ea6\u7684\u53cd\u9762\u662f85%\u7684\u4eba\u8fd8\u662f\u4f1a\u8fd8\u94b1\u7684\u3002 \u5982\u679c\u80fd\u591f\u901a\u8fc7\u6280\u672f\u624b\u6bb5\u5229\u7528\u4e00\u4e9b\u5f81\u4fe1\u6570\u636e\u4ee5\u5916\u7684\u6570\u636e\uff0c\u6765\u63d0\u9ad8\u8fd9\u4e2a\u7fa4\u4f53\u91cc\u597d\u4ebavs\u8001\u8d56\u7684\u8bc6\u522b\u5ea6\uff0c\u4ece\u5e73\u574715%\u8fdd\u7ea6\u7387\u7684\u7fa4\u4f53\u91cc\u628a\u76f8\u5bf9\u6bd4\u8f83\u597d\u7684\u501f\u6b3e\u4eba(\u6bd4\u5982\u8fdd\u7ea6\u7387\u662f5%)\u6311\u9009\u51fa\u6765\uff0c\u5219\u8fd9\u4e2a\u7fa4\u4f53\u77ac\u95f4\u5c31\u53ef\u4ee5\u505a\u4e86\u3002\u5df2\u7ecf\u6709\u4e00\u4e9b\u516c\u53f8\u770b\u5230\u4e86\u8fd9\u6837\u7684\u673a\u4f1a\uff0c\u4e5f\u5df2\u7ecf\u5f00\u59cb\u5229\u7528\u5927\u6570\u636e\u5efa\u6a21\u505a\u8fd9\u7c7b\u94f6\u884c\u670d\u52a1\u4e0d\u5230\u7684\u5ba2\u7fa4\u4e86\uff0c\u6bd4\u5982\u6700\u8fd1\u6bd4\u8f83\u706b\u7684ZestFinance\u3002<\/p>\n

5. \u5927\u6570\u636e\u98ce\u63a7\u5728\u4e2d\u56fd\u7684\u673a\u9047<\/strong><\/p>\n

\u6700\u8fd110\u5e74\uff0c\u4ee5\u4e2a\u4eba\u4fe1\u7528\u5361\u4e3a\u4ee3\u8868\u7684\u4e2a\u4eba\u8d37\u6b3e\u4e1a\u52a1\u5728\u4e2d\u56fd\u6709\u4e86\u84ec\u52c3\u7684\u53d1\u5c55\u3002\u6211\u56fd\u7684\u4fe1\u7528\u5361\u4ea4\u6613\u548c\u98ce\u63a7\u7cfb\u7edf\u5728\u521d\u671f\u5927\u91cf\u501f\u9274\u4e86\u56fd\u5916\u7684\u7ecf\u9a8c\u3002\u94f6\u8054\u7684\u7b2c\u4e00\u4ee3\u7cfb\u7edf\u662f\u4e0eVISA\u5408\u4f5c\u5b8c\u6210\u7684\u3002\u56fd\u5185\u5f88\u591a\u94f6\u884c\u7684\u98ce\u63a7\u6d41\u7a0b\u548c\u7cfb\u7edf\u662f\u4ece\u56fd\u5916\u91c7\u8d2d\uff0c\u5f88\u591a\u98ce\u63a7\u9ad8\u7ba1\u4e5f\u662f\u76f4\u63a5\u4ece\u56fd\u5916\u94f6\u884c\u5f15\u8fdb\u7684\u3002<\/p>\n

\u7136\u800c\u4e0e\u56fd\u5916\u76f8\u6bd4\uff0c\u4e2d\u56fd\u6700\u5927\u7684\u5dee\u5f02\u5728\u4e8e\u5f81\u4fe1\u4f53\u7cfb\u7684\u4e0d\u5b8c\u5584\u3002\u6211\u4eec\u7684\u4eba\u884c\u5f81\u4fe1\u7cfb\u7edf\u8986\u76d6\u4e868\u4ebf\u4eba\uff0c\u4f46\u662f\u53ef\u80fd\u53ea\u67093\u4ebf\u5de6\u53f3\u662f\u6709\u4fe1\u8d37\u8bb0\u5f55\u7684\uff0c\u5269\u4e0b\u7684\u65e0\u4efb\u4f55\u4fe1\u8d37\u8bb0\u5f55\u7684\uff0c\u6211\u4eec\u79f0\u4e4b\u4e3a\u767d\u6237\u3002\u6240\u4ee5\u4e5f\u4e0d\u96be\u7406\u89e3\uff0c\u56fd\u5185\u94f6\u884c\u5bf9\u4e8e\u5927\u90e8\u5206\u975e\u4e2d\u9ad8\u7aef\u7528\u6237\u5b9e\u9645\u4e0a\u662f\u4e0d\u613f\u610f\u4e5f\u6ca1\u6709\u80fd\u529b\u63d0\u4f9b\u91d1\u878d\u670d\u52a1\u7684\u3002\u6ca1\u6709\u5f81\u4fe1\u6570\u636e\uff0c\u90a3\u5957\u56fd\u5916\u642c\u8fc7\u6765\u7684\u57fa\u4e8e\u5f81\u4fe1\u6570\u636e\u7684\u65b9\u5f0f\u65b9\u6cd5\u5c31\u4e0d\u7ba1\u7528\u4e86\u3002<\/p>\n

\u806a\u660e\u7684\u4eba\u9a6c\u4e0a\u610f\u8bc6\u5230\uff0c\u76f8\u6bd4\u56fd\u5916\uff0c\u7531\u4e8e\u4e2d\u56fd\u7684\u5f81\u4fe1\u4f53\u7cfb\u7684\u4e0d\u5b8c\u5584\uff0c\u57fa\u4e8e\u5927\u6570\u636e\u7684\u98ce\u63a7\u7684\u571f\u58e4\u5b9e\u9645\u4e0a\u66f4\u6210\u719f\uff0c\u66f4\u6709\u7684\u505a\u3002\u8fd9\u4e00\u70b9\u5bf9\u4e8e\u7ebf\u4e0a\u83b7\u5ba2\u7684\u516c\u53f8\u6765\u8bf4\u7279\u522b\u7a81\u51fa\u3002\u76f8\u6bd4\u4f20\u7edf\u94f6\u884c\u548c\u7ebf\u4e0b\u4e1a\u52a1\u4e3a\u4e3b\u7684\u5e73\u53f0\uff0c\u7ebf\u4e0a\u83b7\u5ba2\u62e5\u6709\u4ee5\u4e0b\u4f18\u52bf\uff1a<\/p>\n

    \n
  1. \n

    \u4e92\u8054\u7f51\u53ef\u4ee5\u63d0\u4f9b\u6bcf\u4e2a\u501f\u6b3e\u4eba\u7684\u5e9e\u5927\u7684\u3001\u788e\u7247\u5316\u7684\u3001\u79cd\u7c7b\u7e41\u591a\u7684\u4fe1\u606f\u3002\u8fd9\u91cc\u9762\u5305\u62ec\u7528\u6237\u63d0\u4ea4\u7684\u7535\u5b50\u5316\u4fe1\u606f(\u5982\u8eab\u4efd\u8bc1\u3001\u8425\u4e1a\u6267\u7167\u3001\u623f\u4ea7\u8bc1\u3001\u5b66\u5386\u8bc1\u3001\u5de5\u8d44\u5355\u3001\u793e\u4fdd\uff0c\u94f6\u884c\u6d41\u6c34\u7b49)\uff0c\u7b2c\u4e09\u65b9\u6743\u5a01\u673a\u6784\u7684\u67e5\u8be2\u4fe1\u606f(\u5982\u516c\u6c11\u8eab\u4efd\u8bc1\u67e5\u8be2\u4e2d\u5fc3\u3001\u6559\u80b2\u90e8\u5b66\u5386\u4e2d\u5fc3\u3001\u6cd5\u9662\u8bc9\u8bbc\u4fe1\u606f\u67e5\u8be2\u4e2d\u5fc3\u7b49\u53ef\u67e5\u8be2\u4fe1\u606f)\uff0c\u8fd8\u5305\u62ec\u4e86\u6d77\u91cf\u7684\u4e92\u8054\u7f51\u788e\u7247\u6570\u636e\uff0c\u5982\u7528\u6237\u7684\u7535\u5546\u4ea4\u6613\u4fe1\u606f\u3001\u5fae\u535a\u7b49\u793e\u4ea4\u7f51\u7edc\u6570\u636e\uff0c\u767e\u5ea6\u641c\u7d22\u5f15\u64ce<\/a>\u6570\u636e\u7b49\u3002\u8bf4\u5230\u5e95\uff0cAll data is credit data.<\/strong><\/p>\n<\/li>\n

  2. <\/li>\n
  3. \n

    \u4e92\u8054\u7f51\u7684\u9ad8\u6548\u6027\u548c\u7206\u53d1\u6027\u4f7f\u6211\u4eec\u80fd\u4ee5\u8f83\u4f4e\u7684\u6210\u672c\u3001\u8f83\u77ed\u7684\u65f6\u95f4\uff0c\u79ef\u7d2f\u5927\u91cf\u7684\u7528\u6237\u6570\u636e\uff0c\u4e3a\u5206\u6790\u5efa\u6a21\u63d0\u4f9b\u8db3\u591f\u7684\u6837\u672c\u91cf\u3002<\/strong><\/p>\n<\/li>\n

  4. \n

    \u8fd9\u79cd\u5927\u6837\u672c\u91cf\u3001\u591a\u7ef4\u5ea6\u3001\u975e\u7ed3\u6784\u5316\u7684\u6570\u636e\u975e\u5e38\u9002\u5408\u5404\u7c7b\u5927\u6570\u636e\u5206\u6790\u5904\u7406\u548c\u673a\u5668\u5b66\u4e60\u6280\u672f\u7684\u8fd0\u7528\u3002<\/strong><\/p>\n

    <\/strong><\/p>\n<\/li>\n<\/ol>\n

    <\/strong><\/p>\n

    <\/strong>6. \u5927\u6570\u636e\u98ce\u63a7\u7684\u6311\u6218<\/strong><\/p>\n

    \u4f34\u968f\u7740\u673a\u9047\u540c\u6837\u4e5f\u6709\u6311\u6218\u3002\u5c31\u50cf\u8981\u6709\u7f8e\u5473\u7684\u83dc\u80b4\uff0c\u6211\u4eec\u65e2\u9700\u8981\u597d\u7684\u6750\u6599\uff0c\u4e5f\u9700\u8981\u597d\u7684\u53a8\u5e08\uff0c\u5f53\u524d\u5927\u6570\u636e\u5728\u98ce\u63a7\u4e2d\u8fd0\u7528\u7684\u6311\u6218\u4e3b\u8981\u8fd8\u662f\u5728\u6570\u636e\u548c\u4eba\u624d\u8fd9\u4e24\u65b9\u9762\u3002<\/p>\n

    \u6570\u636e<\/strong><\/p>\n

    \u8bb0\u5f97\u6211\u4eec\u524d\u9762\u6240\u8bf4\u7684\uff0c\u98ce\u63a7\u7684\u6838\u5fc3\u5c31\u662f\u80fd\u591f\u4ea7\u751f\u4e00\u4e2af(x)\uff0c\u7528\u6765\u91cf\u5316\u8fdd\u7ea6\u6982\u7387\u3002\u7406\u60f3\u60c5\u51b5\u4e0b\uff0c\u6700\u597df(x)=y\u3002\u8fd9\u91cc\u5c31\u6709\u4e00\u4e2a\u9e21\u548c\u86cb\u7684\u95ee\u9898\u3002\u6ca1\u6709\u8db3\u591f\u7684y\u5c31\u505a\u4e0d\u4e86\u5206\u6790\uff0c\u6240\u4ee5\u9664\u4e86\u4e00\u4e9b\u5f88\u660e\u663e\u7684\u4fe1\u606f\u5916\uff0c\u6211\u4eec\u662f\u4e0d\u77e5\u9053\u4ec0\u4e48\u6837\u7684x\u5bf9\u4e8e\u9884\u6d4by\u4f1a\u6709\u5e2e\u52a9\uff0c\u4e5f\u5c31\u662f\u8bf4\u5728\u6ca1\u6709\u8db3\u591f\u6837\u672c\u4e4b\u524d\u662f\u5f88\u96be\u786e\u5b9a\u8be5\u6536\u96c6\u54ea\u4e9b\u6570\u636e\u7684\u3002\u53cd\u8fc7\u6765\uff0c\u5982\u679c\u6709y\u7684\u6837\u672c\u591f\u4e86\uff0c\u4f46\u4e00\u5f00\u59cb\u5c31\u6ca1\u6709\u610f\u8bc6\u5230\u5e94\u8be5\u5b58\u54ea\u4e9bx\uff0c\u8fd9\u4e9b\u6837\u672c\u7684\u610f\u4e49\u4e5f\u4f1a\u5f88\u6709\u9650\u3002\u8fd9\u4e2a\u95ee\u9898\u5728\u90a3\u4e9b\u51e0\u4e4e\u6ca1\u6709\u4fe1\u8d37\u8bb0\u5f55\u7684\u767d\u6237\u5ba2\u7fa4\u4e0a\u5c24\u5176\u4e25\u91cd\u3002\u6700\u7ec8\u7684\u89e3\u51b3\u65b9\u6cd5\u53ea\u6709\u4e0d\u505c\u5730\u505a\u6d4b\u8bd5\uff0c\u6536\u96c6x\u548cy\uff0c\u8fed\u4ee3x\u3002\u76f8\u5bf9\u4e8e\u8d44\u91d1\u6210\u672c\uff0c\u65f6\u95f4\u6210\u672c\u66f4\u5927\u3002\u4f8b\u5982\u4e0b\u56fe\u6240\u793a\uff0c\u7528\u6237\u5728\u7f51\u9875\u4e0a\u586b\u8eab\u4efd\u8bc1\u7684\u8017\u65f6\u5b9e\u9645\u4e0a\u4e0e\u8fd9\u4e2a\u4eba\u7684\u98ce\u9669\u662f\u76f8\u5173\u7684\u3002\u5f88\u5feb\u7684\u4eba\u5f88\u6709\u53ef\u80fd\u662f\u76f4\u63a5\u590d\u5236\u7c98\u8d34\u3002\u800c\u586b\u7684\u5f88\u6162\u7684\u4eba\u5f88\u6709\u53ef\u80fd\u662f\u8bb0\u4e0d\u4f4f\u81ea\u5df1\u7684\u8eab\u4efd\u8bc1\u53f7\u3002\u8fd9\u4e24\u79cd\u60c5\u51b5\u4e0b\uff0c\u6b3a\u8bc8\u7684\u53ef\u80fd\u6027\u90fd\u4f1a\u9ad8\u4e00\u4e9b\u3002<\/p>\n<\/p>\n

    \u9000\u4e00\u6b65\u8bf4\uff0c\u5c31\u7b97\u6211\u4eec\u4e8b\u5148\u77e5\u9053\u5e94\u8be5\u7528\u4ec0\u4e48\u6837\u7684x\uff0c\u6837\u672c\u7279\u522b\u662f\u574f\u6837\u672c\u7684\u79ef\u7d2f\u4e5f\u662f\u5f88\u96be\u7ed5\u8fc7\u7684\u3002\u4e86\u89e3\u5efa\u6a21\u7684\u540c\u5b66\u77e5\u9053\uff0c\u8d8a\u662f\u590d\u6742\u7684\u6a21\u578b(\u6bd4\u5982\u66f4\u591a\u7684\u53d8\u91cf)\uff0c\u5bf9\u4e8e\u574f\u6837\u672c(y=1)\u6570\u91cf\u7684\u8981\u6c42\u4e5f\u66f4\u9ad8\u3002\u5982\u4e0b\u56fe\u6240\u793a\uff0c\u4e00\u822c\u6bcf\u589e\u52a0\u4e00\u4e2a\u6a21\u578b\u5b57\u6bb5\uff0c\u6211\u4eec\u9700\u8981\u76f8\u5339\u914d\u5730\u589e\u52a0\u81f3\u5c11100\u4e2ay=1\u7684\u6837\u672c\u3002<\/span><\/p>\n<\/p>\n

    \u4eba\u624d<\/strong><\/p>\n

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