Identifying the Credit Level of a Company with Bagging-CART Integrated Algorithm

Abstract

For identifying the credit level of a company, the paper introduces the Bagging algorithm into the CART algorithm, and form a Bagging-CART integrated algorithm. Based on the integrated algorithm, the paper gives some empirical analysis, and compares the Bagging-CART integrated algorithm with single CART algorithm in the identification problem. The empirical results show that the accuracy rate of using the Bagging-CART integrated algorithm is prior to the single CART algorithm.