信用評分(粵拼:seon3 taai3 ping4 fan1;英文:credit score)係一個人可以有嘅數值,反映嗰個人「值唔值得借錢俾佢使」。
人喺(例如)買房地產或者汽車等嘅嘢嗰陣往往都要借錢。由借錢嗰方嘅角度睇,佢借錢誘因係想靠收利息嚟有著數,所以會關注「借咗錢俾呢個人,佢會唔會如期還債」嘅問題。因為噉,銀行喺收到一個人嘅信息話想借錢嗰時,實會嘗試用某啲方法評估「嗰個人會如期還債」嘅機率有幾高-而一個人嘅信用評分就正正係反映呢樣嘢嘅數值,數值愈高就反映嗰個人愈大機率如期還債,於是銀行就愈有誘因借錢俾呢個人。
有關信用評分「具體嚟講要點計」,唔同國家地區嘅做法都有啲唔同,不過一般嚟講,以下呢啲因素都會影響一個人嘅信用評分-
... 呀噉。
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