| 基于聚类的个人信用评分模型研究 |
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| 引用本文： | 徐向阳,葛继科.基于聚类的个人信用评分模型研究[J].微计算机信息,2006,22(27):229-231. |
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| 作者姓名： | 徐向阳 葛继科 |
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| 作者单位： | 1. 450000,郑州,河南公安高等专科学校
2. 453007,新乡,河南师范大学计算机与信息技术学院 |
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| 摘 要： | 信用卡公司是一个服务性的金融企业,如何提高在服务过程中的服务质量,改进服务方法,使公司的决策更为准确及时,是信用卡公司追求的一个目标。本文介绍了神经网络方法及数据挖掘技术在信用卡公司对用户评分中的应用,对比分析了几种个人信用评分模型建模方法的特点,建立了一种决策树-神经网络个人信用评分模型,并针对该模型提出了一种近邻聚类算法,该算法在信用评分应用中可以得到较理想的结果。
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| 关 键 词： | 信用评分 神经网络 分类 聚类 决策树 |
| 文章编号： | 1008-0570(2006)09-3-0229-03 |
| 修稿时间： | 2006年1月25日 |
Research on Personal Credit Scoring Model based on Clustering |
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| Xu,Xiangyang,Ge,Jike.Research on Personal Credit Scoring Model based on Clustering[J].Control & Automation,2006,22(27):229-231. |
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| Authors: | Xu Xiangyang Ge Jike |
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| Abstract: | A credit company is an enterprise to offer services to customers; it is a target for credit companies how to improve the quality of services and how to enrich the ways of services, and how to make decision more correctly and just in time. This paper de- scribes the requirement of the credit card company for data mining and neural network technology which apply for personal credit scoring. Contrasted and analyzed some of personal credit scoring model, and constructed a decision- neural network personal credit scoring model. At last, it gives a Vicinage- Extended Clustering algorithm, and analyzed its usability and utility. |
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| Keywords: | Credit Scoring Neural Network Classification Clustering Decision Tree |
| 本文献已被 CNKI 万方数据 等数据库收录！ |
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