Opportunity Cost based Constraint Model for Transaction Credit Evaluation

Evaluating repayment ability and willing has abstracted a lot of attention from various aspects, such as finance, marketing, economics, mathematics and information science. Various credit evaluation methods emerge from time to time. Despite of the differences among these methods, constraints cannot be absent. This paper proposes an opportunity cost based transaction credit evaluation constraint model which tries to organize constraints in a unique way. And the proposed model also demonstrates its feasibility by analyzing a well-known basic transaction credit evaluation model.