Credit Intelligence and Modelling
这是一本900页的信用风险百科全书，由牛津大学出版社出版，面向银行、保险公司、投资机构及金融科技公司等，重点评估零售消费者和小企业的信用风险，无需统计学基础，适合从业者和学生参考。
The full title of the book is Credit Intelligence and Modelling: Many Paths through the Forest of Credit Rating and Scoring. As the title suggests, this 900-page book, published by Oxford University Press, can be considered an encyclopaedia of credit risk and its management. Credit risk modelling is widely used not only by banks and financial institutions, but also by insurance companies, investment fund managers, fintech companies, small and medium enterprises, etc. However, the focus of this book is to assess credit risk in retail consumer and small business segments. Nevertheless, the concepts of credit risk presented in this book can be applied to other areas. No prior knowledge of statistics is required, and the book is written in such a way that both practitioners and students can use it as a reference.