Personal credit risk measurement: Bilateral antibody artificial immune probability model
个人信用风险计量:双边抗体人工免疫概率模型

This thesis presents the approach to constructing consumer credit risk model by analysing personal credit risk for commercial banks. It also presents Bilateral Antibody Artificial Immune Probability Model and calculated the credit score using actual data from commercial bank. Test the forecast capability of model with ROC, and compare the result with that of logistic regression. This capability is sensitive to quantity of sample data, the more quantity are, the more forecast capability is. This model is well applied to forecast probability of default for consumer. This model can use other extensive domain.