A Credit Conflict Detection Model Based on Decision Distance and Probability Matrix

Table 1

Personal credit table.

Item	Score	Standard
(1) Basic information	25
(1.1) Age	5	18~25	26~34	35~45	46~55
		2	3	5	4
(1.2) Sex	2	Male	Female
		1	2
(1.3) Marriage	5	Sons and daughters	A daughter	Unmarried	Others
		5	4		1
(1.4) Education	5	Postgraduate	Undergraduate	Junior college	Senior high school
		5	4	3	2
		Others
		1
(1.5) Registered	2	Permanent residence	Temporary account
		2
(1.6) House	6	Self	Loan	Rent	Others
		6	5	3	1
(2) Occupation	45
(2.1) Company	4	Government	Enterprise	Individual business	Others
		4	3	2	1
(2.2) Industry	10	Civil servant	Education	Financial	Registered office
		10	9	8	6
		Transport	Media	Industrial	Others
		5	5	4	2
(2.3) Working years	4	5	3~5	1~3	1
		4	3	2	1
(2.4) Post nature	10	Bureau level	Division level	Section level	Others
		10	8	6	2
	10	General manager	Division manager	Staff member	Others
		10	8	5	2
(2.5) Technical title	5	Senior	Intermediate	Primary	No
		5	4	2	1
(2.6) Personal income	12	10K	8K~10K	5K~8K	4K~5K
		12	10	9	8
		3K~4K	2K~3K	1K~2K	1K
		6	4	2	1
(3) Family situation	10
(3.1) Family income	6	5K	3K~5K	2K~3K	1K~2K
		6	5	4	3
		0.5K~1K	0.5 K
		2	1
(3.2) Fixed charges	4	0.5K	0.5~1K	1K~3K	3K
		2	3	4	2