| 利用蚁群算法求解电信客户初始信用评分问题 |
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| 引用本文： | 张玉洁,孟祥武.利用蚁群算法求解电信客户初始信用评分问题[J].北京邮电大学学报,2010,33(1):124-128. |
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| 作者姓名： | 张玉洁 孟祥武 |
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| 作者单位： | 北京邮电大学,智能通信软件与多媒体北京市重点实验室,北京,100876;北京邮电大学,智能通信软件与多媒体北京市重点实验室,北京,100876 |
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| 基金项目： | 国家自然科学基金项目(60872051);;教育部留学归国人员教学科研建设项目;;北京市教育委员会共建项目 |
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| 摘 要： | 针对电信领域客户初始信用值获取问题，构建了一种信用评分模型，包括属性域和属性域信用权重的定义、信用权重的约束规则、初始信用度计算公式以及评价函数. 该模型根据客户的基本数据和消费行为数据进行信用评分. 在此模型的基础上，提出了一种基于蚁群算法的属性域信用权重分配算法. 实验结果表明，该模型能有效解决电信客户初始信用评分问题.
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| 关 键 词： | 电信客户 初始信用度 信用评分模型 蚁群算法 |
| 收稿时间： | 2009-4-29 |
| 修稿时间： | 2009-10-13 |
Initial Credit Scoring for Telecom Customers Using Ant Colony Algorithm |
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| ZHANG Yu-jie,MENG Xiang-wu.Initial Credit Scoring for Telecom Customers Using Ant Colony Algorithm[J].Journal of Beijing University of Posts and Telecommunications,2010,33(1):124-128. |
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| Authors: | ZHANG Yu-jie MENG Xiang-wu |
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| Affiliation: | (Beijing Key Laboratory of Intelligent Telecommunications Software and Multimedia, Beijing University of Posts and Telecommunications, Beijing 100876, China)
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| Abstract: | A credit scoring model depending on customer application data and behavior data is developed in order to obtain the score of telecom customers' initial credit.The model includes: the definition of the attribute domain and its weight;some rules on the weight;the formula to calculate initial credit;and the evaluating function.Meanwhile,an allocation algorithm for customers' attribute weight is proposed using ants algorithm based on the model.Simulation demonstrates the rationality and feasibility of the model... |
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| Keywords: | telecom customer initial credit credit scoring model ants algorithm |
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