| 基于支持向量机的个人信用评估 |
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| 引用本文： | 沈翠华,邓乃扬,肖瑞彦. 基于支持向量机的个人信用评估[J]. 计算机工程与应用, 2004, 40(23): 198-199,215 |
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| 作者姓名： | 沈翠华 邓乃扬 肖瑞彦 |
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| 作者单位： | 中国农业大学,北京,100083;中国民生银行,北京,100044 |
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| 基金项目： | 国家自然科学基金项目(编号:10371131)资助 |
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| 摘 要： | 银行系统使用许多方法去对个人贷款申请进行评估。支持向量机(SupportVectorMachines,SVMs)是一个很有前途的新技术,文章将支持向量机应用到信用评估中,和古典技术K最近邻法相比得到了比较好的结果。
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| 关 键 词： | 支持向量机 信用评估 K最近邻 |
| 文章编号： | 1002-8331-(2004)23-0198-02 |
Personal Credit Scoring on Support Vector Machines |
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| Shen Cuihua Deng Naiyang Xiao Ruiyan. Personal Credit Scoring on Support Vector Machines[J]. Computer Engineering and Applications, 2004, 40(23): 198-199,215 |
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| Authors: | Shen Cuihua Deng Naiyang Xiao Ruiyan |
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| Affiliation: | Shen Cuihua 1 Deng Naiyang 1 Xiao Ruiyan 21 |
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| Abstract: | The banking system employs a variety of techniques to evaluate personal loan applications.Support Vector Machines(SVMs )is a promising new technique.This paper proposes a simple application of Support Vector Machines to the problem of building credit scoring model,and it reports better results constrasted with the classical technique of K-Nearest Neighbor. |
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| Keywords: | support vector machines credit scoring K-Nearest Neighbor |
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