°³ÀÎÀÇ ½Å¿ë´ëÃâ °áÁ¤¿¡ ÀÖ¾î¼ ÀüÅëÀûÀÎ ½Å¿ëÁ¤º¸ ÀÌ¿ÜÀÇ ºñ±ÝÀ¶Á¤º¸(non-financial data)ÀÇ ÁýÁß ¹× ÀÌ¿ëÀÇ Çʿ伺ÀÌ Á¡Â÷ ´Ã¾î°¡°í ÀÖ´Â »óȲÀÌ´Ù. º» ¿¬±¸¿¡¼´Â °³ÀνſëÆò°¡¸ðÇü¿¡ ºñ±ÝÀ¶Á¤º¸·Î¼ Àü±â¿ä±Ý Á¤º¸ÀڷḦ Ãß°¡·Î ÀÌ¿ëÇÏ´Â °æ¿ì¿¡ ¹ß»ýÇÏ´Â °æÁ¦Àû È¿°ú¸¦ Recently, the necessity of collecting and using non-financial data as well as traditional credit data for consumer credit scoring has been increased. This paper studies the economic effects of adding electric utility payment data to a traditional credit s