@article {1978226,
	title = {Credit Risk Assessment of POS-Loans in the Big Data Era},
	year = {2014},
	month = {2014},
	address = {Hongkong, China},
	keywords = {BIS, Business Analytics},
	author = {Bian,Yiyang and Fan,Shaokun and Ye,Ryan Liying and Zhao,J.  Leon}
}