6[美]Durand D. Risk Elements in Consumer Installment Financing[J]. National Bureau of Economic Research. New York. 1941,(11).
7[美]Coffman J. Y. The Proper Role of Tree Analysis in Forecasting the Risk Behavior of Borrowers[R]. Management Decision Systems. Atlanta, 1986.
8[美]Davis, R. H, Edelman, D. B, &Gammerman, A J. Machine Learning Algorithms for Credit Card Applications[J]. IMA Journal of Mathematics Applied in Business and Industry. 1992, (4).
9[美] Eric Rosenberg, Alan Gleit. Quantitative Methods in Credit Management: A Survey[J]. Operation Research. 1994, (42).
10[美]Lyn C. Thomas. A Survey of Credit and Behavioral Scoring: Forecasting Financial Risk of Lending to Consumers[J]. International Journal of Forecasting. 2000, (16).