基于决策树算法的银行信用评分
石振华
贵州大学人民武装学院
Abstract: 银行卡在给银行创造了高额利润的同时,也带来了很大的信用风险.对于银行来说,严格把控信用申请者,对其进行有效的信用评分和预测十分关键.采用数据挖掘技术中的决策树算法能有效屏蔽银行信用评估中的主观因素,通过海量数据预处理、决策树生成等步骤,最后通过相关算法实现能客观地形成预测值,从而准确地进行信用评分.
- DOI：
10.13398/j.cnki.issn1673-260x.2012.01.085
- Series：
- Subject：
- Classification Code：
F832.4;F224
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