方法对比

	骆驼评级体系	信用评分（评分卡、WoE/IV）
领域	金融学	金融学
方法族	Process / pipeline	Regression model
起源年份	1998	1997
提出者	US bank supervisory framework; Cole & Gunther	Hand & Henley; Thomas, Edelman & Crook
类型	Composite supervisory rating	Supervised binary classification model
开创性文献	Cole, R. A., & Gunther, J. W. (1998). Predicting bank failures: A comparison of on- and off-site monitoring systems. Journal of Financial Services Research, 13(2), 103–117.	Hand, D. J., & Henley, W. E. (1997). Statistical classification methods in consumer credit scoring: a review. Journal of the Royal Statistical Society: Series A, 160(3), 523–541.
别名	CAMELS Framework, Uniform Financial Institutions Rating System, UFIRS, CAMELS Derecelendirme Sistemi	Credit Scorecard, Application Scoring, Behavioural Scoring, Kredi Skorlama
相关	3	3
摘要	The CAMELS Rating System is a supervisory framework used by US bank regulators to evaluate the overall condition of financial institutions across six dimensions: Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. Each component is scored on a scale of 1 (strong) to 5 (critically deficient), and a composite score is assigned based on examiner judgment. Developed in the US federal banking regulatory context, CAMELS emerged as the standard on-site examination tool and has since been adopted and adapted by regulators globally.	Credit scoring is a statistical technique that estimates the probability that a borrower will default on a financial obligation. Using Weight of Evidence (WoE) binning, Information Value (IV) variable selection, and logistic regression, it converts raw applicant data into a single integer score. Formalized by Hand and Henley (1997) and elaborated by Thomas, Edelman, and Crook, the scorecard framework has become the regulatory standard for retail credit risk assessment in banking, lending, and insurance.