Abstract
The human voice is one of the easiest methods for the information transmission between human beings. The characteristics of the voice can be varied by different people and different situations, such as utterance speed, pitch tone, vocal organ features, and the gender. Moreover, the voice can be used as a factor for deciding the personal credit rating scores. The reliable parameters of speech signal can be extracted from different characteristics of the spoken information. In this paper, we collected the voices from people who has relatively high personal credit scores, and analyzed them.
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