抱歉了, 还真的有问题.
那么对该书做个简介吧, 这样大家也可以做个选择,哈.

This is the first book to address these new issues that lenders are beginning to
grapple with in credit cards, mortgages, personal, equity, and auto loans. There
are three major developments: first, how to move from default-based scoring to
profit scoring, that is, to develop models/techniques which assess not just the
default risk of borrowers but also their profitability. This involves dynamical models
of their likelihood to purchase additional financial products and the chance of
moving to other lenders or prepaying their loans. Second, because of the changes
to more private application channels like the telephone and the internet, lenders
are able to customize the loan offers they make to prospective borrowers. This
raises the problem of how to model such variable pricing decisions which are
related to similar problems in yield management. In the consumer lending content,
the obvious question is how lenders should price for the different default risks of
the borrowers. Third, the Basel II regulatory regime for lending requires lenders
to model the default risk of portfolios of loans and not just individual loans. ...