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A data driven ensemble classifier for credit scoring analysis 总被引:2,自引:0,他引:2
This study focuses on predicting whether a credit applicant can be categorized as good, bad or borderline from information initially supplied. This is essentially a classification task for credit scoring. Given its importance, many researchers have recently worked on an ensemble of classifiers. However, to the best of our knowledge, unrepresentative samples drastically reduce the accuracy of the deployment classifier. Few have attempted to preprocess the input samples into more homogeneous cluster groups and then fit the ensemble classifier accordingly. For this reason, we introduce the concept of class-wise classification as a preprocessing step in order to obtain an efficient ensemble classifier. This strategy would work better than a direct ensemble of classifiers without the preprocessing step. The proposed ensemble classifier is constructed by incorporating several data mining techniques, mainly involving optimal associate binning to discretize continuous values; neural network, support vector machine, and Bayesian network are used to augment the ensemble classifier. In particular, the Markov blanket concept of Bayesian network allows for a natural form of feature selection, which provides a basis for mining association rules. The learned knowledge is represented in multiple forms, including causal diagram and constrained association rules. The data driven nature of the proposed system distinguishes it from existing hybrid/ensemble credit scoring systems. 相似文献
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Associative classification is a new classification approach integrating association mining and classification. It becomes a significant tool for knowledge discovery and data mining. However, high-order association mining is time consuming when the number of attributes becomes large. The recent development of the AdaBoost algorithm indicates that boosting simple rules could often achieve better classification results than the use of complex rules. In view of this, we apply the AdaBoost algorithm to an associative classification system for both learning time reduction and accuracy improvement. In addition to exploring many advantages of the boosted associative classification system, this paper also proposes a new weighting strategy for voting multiple classifiers. 相似文献
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Recently, the application of association rules mining becomes an important research area in alarm correlation analysis. However, the original alarms in the telecommunication networks cannot be used to mine association rules directly. This paper proposes a novel preprocessing expert system model to deal with the original alarms. This model uses two important techniques, of which the time window technique is used for converting original alarms into transactions, and the neural network technique can classify the alarms with different levels according to the characteristics of telecommunication networks in order to mine the weighted association rules. Simulation results and the real-world applications demonstrate the effectiveness and practicality of this preprocessing expert system. 相似文献
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数据挖掘是一种新兴的信息处理技术,本文将其中的关联规则运用到中药化学数据的处理,对其中的中医药效、植物科属、化学成分的活性、中药提取物现代药理等数据进行了维间关联规则的挖掘,找到了一系列的强规则,并对这些规则进行了分析,得到了其中有趣的关联规则,同时该关联规则的结果也说明了中药和西药在药效概念上的差异。该结果对于中药现代化,植物化学等相关的研究提供了一种新的思路。 相似文献
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分布式协同中医诊断系统的设计 总被引:3,自引:0,他引:3
利用“分布式协同专家系统开发工具BITAI-DEST”,采用中医咳嗽诊断及胸痹诊断的专家知识,建立分布式协同的知识表示体系,分别构造各协同目标的规则及事实,生成一个具有实用意义的多智能体协同求解的中医诊断专家系统。 相似文献
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