Jun 18, 2022
In General Discussions
If borrowing or not repaying, there will be losses, so risk control is ws number list required. There are two behind the risk control concerns, repayment ability and repayment willingness. Grouping is essentially related to both. Such groups include, but are not limited to, income grouping, ws number list multi-head grouping, Activity level grouping, quota usage rate grouping, and even overdue ws number list degree grouping, and so on. Taking income grouping as an example, it can be divided into grades according to monthly ws number list income. Income represents the repayment ability of customers. The stronger the repayment ability, the lower the credit risk in the statistical sense. Income groups generally have a ws number list skewed normal distribution. The middle-income customer group accounts for a higher proportion, and ws number list the extreme low and extremely high income groups are less, and the higher the income, the lower ws number list the risk. Income grouping can be used not only to make risk decisions, but also to manage quotas.