{"id":10255,"date":"2022-01-18T11:46:48","date_gmt":"2022-01-18T04:46:48","guid":{"rendered":"https:\/\/fintech.smartosc.com\/?p=10255"},"modified":"2022-12-07T15:21:37","modified_gmt":"2022-12-07T08:21:37","slug":"credit-scoring-la-gi-mo-hinh-va-phuong-phap","status":"publish","type":"post","link":"https:\/\/fintech.smartosc.com\/vi\/credit-scoring-la-gi-mo-hinh-va-phuong-phap\/","title":{"rendered":"Credit Scoring L\u00e0 G\u00ec? M\u00f4 H\u00ecnh V\u00e0 Ph\u01b0\u01a1ng Ph\u00e1p"},"content":{"rendered":"<p>M\u00f4 h\u00ecnh \u0111i\u1ec3m s\u1ed1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1edbi t\u00ean g\u1ecdi ti\u1ebfng anh l\u00e0 <strong><em>\u201c<\/em>Consumer Credit Scoring\u201d<em>. <\/em><\/strong>\u0110\u01b0\u1ee3c xem l\u00e0 ph\u01b0\u01a1ng ph\u00e1p cho \u0111i\u1ec3m \u0111\u1ec3 c\u00f3 th\u1ec3 x\u1eed l\u00fd c\u00e1c \u0111\u01a1n xin vay c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y hi\u1ec7n \u0111ang \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng. V\u1eady li\u1ec7u m\u00f4 h\u00ecnh v\u00e0 ph\u01b0\u01a1ng ph\u00e1p c\u1ee7a Credit Scoring ra sao c\u00f9ng <strong><a href=\"https:\/\/fintech.smartosc.com\/vi\/\" target=\"_blank\" rel=\"noreferrer noopener\">SMARTOSC Fintech<\/a> <\/strong>theo d\u00f5i b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>\u00dd ngh\u0129a v\u1ec1 Credit Scoring &#8211; \u0110i\u1ec3m t\u00edn d\u1ee5ng<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-49.png\" alt=\"CREDIT SCORING L\u00c0 G\u00cc? M\u00d4 H\u00ccNH V\u00c0 PH\u01af\u01a0NG PH\u00c1P \" class=\"wp-image-10290\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-49.png 1250w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-49-768x396.png 768w\" sizes=\"(max-width: 1250px) 100vw, 1250px\" \/><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Credit Scoring <\/strong>l\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng, \u0111\u00e2y l\u00e0 ngh\u0129a ti\u1ebfng vi\u1ec7t c\u1ee7a thu\u1eadt ng\u1eef ch\u1ec9 \u0111i\u1ec3m Credit Scoring &#8211; thu\u1eadt ng\u1eef n\u00e0y d\u00f9ng \u0111\u1ec3 s\u1eed d\u1ee5ng trong l\u0129nh v\u1ef1c kinh doanh.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3><strong><em>Gi\u1ea3i th\u00edch \u00fd ngh\u0129a&nbsp;<\/em><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Vi\u1ec7c \u00e1p d\u1ee5ng k\u1ef9 thu\u1eadt th\u1ed1ng k\u1ebf trong vi\u1ec7c cho vay nh\u1eb1m ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng \u1ee9ng d\u1ee5ng v\u00e0 t\u00edn d\u1ee5ng gi\u00e1m s\u00e1t . Trong \u0111i\u1ec3m \u1ee9ng d\u1ee5ng, \u0111i\u1ec3m \u0111\u01b0\u1ee3c giao cho c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nhau c\u1ee7a ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n sau khi thu nh\u1eadp thu\u1ebf, t\u1ed5ng thu\u1ebf thu nh\u1eadp m\u1ed7i h\u1ed9 gia \u0111\u00ecnh, n\u0103m l\u00e0m vi\u1ec7c t\u1ea1i c\u00f4ng vi\u1ec7c hi\u1ec7n t\u1ea1i, n\u0103m t\u1ea1i n\u01a1i c\u01b0 tr\u00fa hi\u1ec7n nay, t\u1ed5ng d\u01b0 n\u1ee3\u2026 Trong \u0111i\u1ec3m h\u00e0nh vi, y\u1ebfu t\u1ed1 v\u1ec1 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c cho l\u00e0 \u0111i\u1ec3m \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u00e0 ph\u00e1t hi\u1ec7n c\u00e1c d\u1ea5u hi\u1ec7u s\u1edbm v\u1ec1 kh\u1ea3 n\u0103ng v\u1ee1 n\u1ee3.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>M\u00f4 h\u00ecnh \u0111\u1eb7c tr\u01b0ng v\u1ec1 credit scoring<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng cho vay d\u1ef1a tr\u00ean m\u00f4 h\u00ecnh ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng k\u1ebft h\u1ee3p ph\u00e2n t\u00edch \u0111\u1ecbnh t\u00ednh v\u00e0 \u0111\u1ecbnh l\u01b0\u1ee3ng . Vi\u1ec7c ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean c\u00e1c ph\u01b0\u01a1ng ph\u00e1p th\u1ed1ng k\u00ea, nh\u1edd \u0111\u00f3 c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n x\u00e1c su\u1ea5t c\u1ee7a m\u1ed9t s\u1ef1 ki\u1ec7n n\u00e0o \u0111\u00f3 x\u1ea3y ra trong t\u01b0\u01a1ng lai &#8211; trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 m\u1ed9t kho\u1ea3n n\u1ee3 v\u1ee1 n\u1ee3.<\/p>\n\n\n\n<p>Qu\u00e1 tr\u00ecnh t\u00ednh \u0111i\u1ec3m s\u1eed d\u1ee5ng th\u00f4ng tin v\u1ec1 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c thu th\u1eadp \u1edf giai \u0111o\u1ea1n \u1ee9ng d\u1ee5ng &#8211; ch\u1ee7 y\u1ebfu l\u00e0 d\u1eef li\u1ec7u m\u00f4 t\u1ea3 \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, nh\u01b0ng c\u0169ng c\u00f3 th\u00f4ng tin v\u1ec1 h\u00e0nh vi trong qu\u00e1 kh\u1ee9 c\u1ee7a h\u1ecd. M\u1ed7i t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng xem x\u00e9t m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c t\u00ednh n\u0103ng kh\u00e1c nhau v\u00e0 \u1ea5n \u0111\u1ecbnh c\u00e1c gi\u00e1 tr\u1ecb \u0111i\u1ec3m kh\u00e1c nhau cho ch\u00fang. V\u00ed d\u1ee5, m\u1ed9t ng\u01b0\u1eddi c\u00f3 tr\u00ecnh \u0111\u1ed9 h\u1ecdc v\u1ea5n cao th\u01b0\u1eddng s\u1ebd \u0111\u1ea1t \u0111i\u1ec3m cao h\u01a1n m\u1ed9t ng\u01b0\u1eddi b\u1ecf h\u1ecdc \u0111\u1ea1i h\u1ecdc, nh\u01b0ng gi\u00e1 tr\u1ecb \u0111i\u1ec3m ch\u00ednh x\u00e1c v\u00e0 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 \u0111\u1ebfn \u0111i\u1ec3m t\u1ed5ng k\u1ebft c\u00f3 th\u1ec3 kh\u00e1c nhau gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>Ph\u01b0\u01a1ng ph\u00e1p ghi \u0111i\u1ec3m t\u00edn d\u1ee5ng<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-48.png\" alt=\"CREDIT SCORING L\u00c0 G\u00cc? M\u00d4 H\u00ccNH V\u00c0 PH\u01af\u01a0NG PH\u00c1P \" class=\"wp-image-10289\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-48.png 800w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-48-768x509.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Cho \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t trong nh\u1eefng ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u01b0\u1edbc t\u00ednh r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u1ea5p m\u1ed9t kho\u1ea3n vay, hay \u0111\u00fang h\u01a1n l\u00e0 x\u00e1c su\u1ea5t kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3 . N\u00f3 d\u1ef1a tr\u00ean vi\u1ec7c t\u00ednh to\u00e1n \u0111i\u1ec3m s\u1ed1 c\u1ee7a kh\u00e1ch h\u00e0ng theo d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p trong h\u1ed3 s\u01a1 vay ho\u1eb7c l\u1ea5y t\u1eeb c\u00e1c ngu\u1ed3n kh\u00e1c. H\u1ed3 s\u01a1 c\u1ee7a ng\u01b0\u1eddi \u0111i vay c\u00e0ng gi\u1ed1ng v\u1edbi h\u1ed3 s\u01a1 c\u1ee7a nh\u1eefng ng\u01b0\u1eddi tr\u1ea3 n\u1ee3 \u0111\u00fang h\u1ea1n, th\u00ec x\u1ebfp h\u1ea1ng c\u00e0ng cao.<\/p>\n\n\n\n<p>K\u1ebft qu\u1ea3 ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y d\u01b0\u1edbi d\u1ea1ng \u0111i\u1ec3m v\u00e0 s\u1ed1 \u0111i\u1ec3m cho ph\u00e9p ch\u1ec9 \u0111\u1ecbnh kh\u00e1ch h\u00e0ng v\u00e0o lo\u1ea1i r\u1ee7i ro th\u00edch h\u1ee3p (v\u00ed d\u1ee5 kh\u00e1ch h\u00e0ng \u0111\u00e1ng tin c\u1eady ho\u1eb7c kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c tr\u1ea3 n\u1ee3). Vi\u1ec7c ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng, b\u1ea5t k\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o v\u00e0 t\u00ednh \u0111\u1ebfn nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m n\u00e0o, \u0111\u1ec1u gi\u00fap lo\u1ea1i b\u1ecf y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi v\u00e0 \u0111\u1ea3m b\u1ea3o t\u00ednh kh\u00e1ch quan trong qu\u00e1 tr\u00ecnh n\u00e0y, gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng.<\/p>\n\n\n\n<p><strong>Vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh cho \u0111i\u1ec3m trong c\u00e1c quy tr\u00ecnh t\u00edn d\u1ee5ng l\u00e0 r\u1ea5t ph\u1ed5 bi\u1ebfn do nhi\u1ec1u l\u1ee3i \u00edch c\u1ee7a n\u00f3 :<\/strong><\/p>\n\n\n\n<ul><li>Th\u1eddi gian x\u1eed l\u00fd \u0111\u01a1n ng\u1eafn h\u01a1n, d\u1eabn \u0111\u1ebfn chi ph\u00ed th\u1ea5p h\u01a1n<\/li><li>\u0110\u00e1nh gi\u00e1 kh\u00e1ch quan v\u1ec1 r\u1ee7i ro t\u00edn d\u1ee5ng<\/li><li>C\u1ea3i thi\u1ec7n n\u0103ng su\u1ea5t c\u1ee7a nh\u00e2n vi\u00ean<\/li><li>Kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p t\u00e0i ch\u00ednh th\u00edch h\u1ee3p<\/li><li>Gi\u00e1m s\u00e1t danh m\u1ee5c t\u00edn d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng kh\u00f3 \u0111\u00f2i<\/li><li>D\u1ef1 b\u00e1o t\u1ed1t h\u01a1n v\u00e0 chi\u1ebfn l\u01b0\u1ee3c t\u00edn d\u1ee5ng<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>M\u1ed9t s\u1ed1 lo\u1ea1i \u0111i\u1ec3m t\u00edn d\u1ee5ng Credit Scoring<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/01\/image-47.png\" alt=\"CREDIT SCORING L\u00c0 G\u00cc? M\u00d4 H\u00ccNH V\u00c0 PH\u01af\u01a0NG PH\u00c1P \" class=\"wp-image-10288\" width=\"700\"\/><\/figure><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Ph\u1ea7n l\u1edbn, m\u1ee5c ti\u00eau c\u1ee7a c\u00e1c m\u00f4 h\u00ecnh t\u00ednh \u0111i\u1ec3m l\u00e0 x\u00e1c \u0111\u1ecbnh r\u1ee7i ro kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c n\u1ee3. Tuy nhi\u00ean, g\u1ea7n \u0111\u00e2y ng\u01b0\u1eddi ta c\u00e0ng nh\u1ea5n m\u1ea1nh nhi\u1ec1u h\u01a1n \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0y cho c\u00e1c m\u1ee5c \u0111\u00edch kh\u00e1c:<\/p>\n\n\n\n<ul><li>T\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn (n\u00ean cung c\u1ea5p c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u00edn d\u1ee5ng n\u00e0o \u0111\u1ec3 kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, t\u1ee9c l\u00e0 \u0111\u1ecbnh gi\u00e1 d\u1ef1a tr\u00ean r\u1ee7i ro)<\/li><li>T\u0103ng hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c chi\u1ebfn d\u1ecbch ti\u1ebfp th\u1ecb b\u1eb1ng c\u00e1ch \u0111i\u1ec1u tra xem li\u1ec7u kh\u00e1ch h\u00e0ng c\u00f3 quan t\u00e2m \u0111\u1ebfn m\u1ed9t s\u1ea3n ph\u1ea9m nh\u1ea5t \u0111\u1ecbnh hay kh\u00f4ng,<\/li><li>Gian l\u1eadn \u0111i\u1ec3m,<\/li><li>\u0110i\u1ec3m ti\u00eau hao,<\/li><li>C\u1ea3i thi\u1ec7n vi\u1ec7c qu\u1ea3n l\u00fd n\u1ee3 b\u1eb1ng c\u00e1ch x\u00e1c \u0111\u1ecbnh xem li\u1ec7u kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ho\u00e0n tr\u1ea3 kho\u1ea3n vay trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh hay kh\u00f4ng.<\/li><\/ul>\n\n\n\n<p>B\u1ea5t k\u1ec3 lo\u1ea1i h\u00ecnh n\u00e0o, c\u00e1c m\u00f4 h\u00ecnh cho \u0111i\u1ec3m \u0111\u1ec1u cho ph\u00e9p \u0111\u00e1nh gi\u00e1 kh\u00e1ch quan v\u1ec1 r\u1ee7i ro t\u00edn d\u1ee5ng, \u0111\u00e2y l\u00e0 y\u1ebfu t\u1ed1 ch\u00ednh c\u1ee7a qu\u00e1 tr\u00ecnh c\u1ea5p t\u00edn d\u1ee5ng. \u0110\u1ec3 vi\u1ec7c t\u00ednh to\u00e1n t\u00edn d\u1ee5ng tr\u1edf n\u00ean ch\u00ednh x\u00e1c, minh b\u1ea1ch v\u00e0 \u00edt r\u1ee7i ro nh\u1ea5t c\u00f3 th\u1ec3, c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng t\u1ef1 \u0111\u1ed9ng h\u00f3a n\u00f3 v\u00e0 s\u1eed d\u1ee5ng c\u00e1c h\u1ec7 th\u1ed1ng s\u1eb5n s\u00e0ng cho ph\u00e9p th\u1ef1c hi\u1ec7n m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng trong m\u1ed9t h\u1ec7 th\u1ed1ng \u0111i\u1ec3m. Vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y l\u00e0m gi\u1ea3m x\u00e1c su\u1ea5t c\u1ea5p c\u00e1c kho\u1ea3n vay \u0111\u00e1ng ng\u1edd v\u00e0 cho ph\u00e9p \u0111\u1ea9y nhanh to\u00e0n b\u1ed9 quy tr\u00ecnh t\u00edn d\u1ee5ng \u0111\u1ed3ng th\u1eddi gi\u1ea3m r\u1ee7i ro do sai s\u00f3t c\u1ee7a con ng\u01b0\u1eddi.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c c\u00f4ng ty nh\u1ecf nh\u1ea5t, ngo\u00e0i vi\u1ec7c t\u00ednh \u0111\u1ebfn c\u00e1c th\u00f4ng s\u1ed1 \u0111\u1eb7c tr\u01b0ng cho c\u00f4ng ty, ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00f4ng ty \u0111\u01b0\u1ee3c ki\u1ec3m tra c\u0169ng l\u00e0 ch\u1ee7 s\u1edf h\u1eefu. N\u00f3 ch\u1ec9 ra r\u1eb1ng h\u1ed3 s\u01a1 c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu v\u00e0 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd quan tr\u1ecdng h\u01a1n nh\u1eefng con s\u1ed1 m\u00f4 t\u1ea3 doanh nghi\u1ec7p c\u1ee7a h\u1ecd. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c \u0111\u01a1n v\u1ecb nh\u1ecf nh\u1ea5t ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng trong m\u1ed9t kho\u1ea3ng th\u1eddi gian ng\u1eafn.<\/p>\n\n\n\n<p>Th\u1eafc m\u1eafc v\u1ec1 \u0111i\u1ec3m t\u00edn d\u1ee5ng trong th\u1ebf gi\u1edbi ng\u00e2n h\u00e0ng s\u1ed1? H\u00e3y li\u00ean h\u1ec7 SmartOSC \u0111\u1ec3 t\u00ecm gi\u1ea3i ph\u00e1p Fintech t\u1ed1i \u01b0u cho doanh nghi\u1ec7p c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><a href=\"https:\/\/fintech.smartosc.com\/vi\/los\/\"><img width=\"697\" height=\"140\" src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/07\/CTA-1.png\" alt=\"T\u01b0 v\u1ea5n gi\u1ea3i ph\u00e1p Fintech\" class=\"wp-image-12611\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/07\/CTA-1.png 697w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/07\/CTA-1-18x4.png 18w\" sizes=\"(max-width: 697px) 100vw, 697px\" \/><\/a><\/figure><\/div>","protected":false},"excerpt":{"rendered":"<p>M\u00f4 h\u00ecnh \u0111i\u1ec3m s\u1ed1 t\u00edn d\u1ee5ng ti\u00eau d\u00f9ng v\u1edbi t\u00ean g\u1ecdi ti\u1ebfng anh l\u00e0 \u201cConsumer Credit Scoring\u201d. \u0110\u01b0\u1ee3c xem l\u00e0 ph\u01b0\u01a1ng ph\u00e1p cho \u0111i\u1ec3m \u0111\u1ec3 c\u00f3 th\u1ec3 x\u1eed l\u00fd c\u00e1c \u0111\u01a1n xin vay c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y hi\u1ec7n \u0111ang \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng. V\u1eady li\u1ec7u m\u00f4 h\u00ecnh v\u00e0 ph\u01b0\u01a1ng [&hellip;]<\/p>","protected":false},"author":4,"featured_media":10291,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":""},"categories":[60],"tags":[828,376,1217,642,669,1271],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Scoring L\u00e0 G\u00ec? 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