One of my favorite (sad) stories concerns consumer credit ratings in Russia. A retail banker once told me that in making credit decisions in Russia, his analysts had faced a shortage of data and had assumed that a criminal record would be one easy way to weed out the bad eggs.
这也是任何部门都摆脱不了的数据的真实含义问题。我最喜欢的一个（悲剧）故事是关于俄罗斯消费者信用评分的。一位零售银行家曾告诉我，在做俄罗斯信用决策时，他的分析师面临数据短缺的问题，只好假设犯罪记录是挑出坏蛋的简便方式。