商业银行个人信用评价体系研究

First International Workshop on Knowledge Discovery and Data Mining (WKDD 2008) Pub Date : 2008-01-23 DOI:10.1109/WKDD.2008.147

L. Yuanyuan

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引用次数: 1

摘要

本文在分析国内外个人信用评价指标体系的基础上，建立了适合中国国情的商业银行个人信用评价指标体系，可分为三个部分:个人指标、经济指标和信用指标;建立了基于GEM算法的个人信用综合评价模型，以更好地利用专家的经验和智慧，克服专家评价结果不一致的问题。该评价体系为商业银行进行客户贷款决策提供了参考依据。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Research on Personal Credit Evaluation System of Commercial Banks

Based on the analysis of personal credit evaluation index systems in and out of China, this paper establishes personal credit evaluation index system of commercial banks suitable for China, which can be divided into three parts: Personal indices, economy indices and credit indices; and this paper builds personal credit synthetic evaluation model based on GEM algorithm to better make use of experts' experiences and wisdom, and to overcome the inconsistency of experts' evaluation results. This evaluation system provides references for commercial banks to make customer loan decisions.

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First International Workshop on Knowledge Discovery and Data Mining (WKDD 2008)

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