针对数据挖掘的信用卡个人客户信用评价分析研究.pdfVIP

Subject : Research on Credit Rating of Consumer client of Credit Card based on Data Mining Specialty : Management Science and Engineering Name : Nie Yu (Signature) Instructor : Su Jianjun (Signature) ABSTRACT Since. the 90’s, with the development of Chinas economy and the expansion of domestic demand, Credit Card Industry developed rapidly. The key of Credit Card Industry is control of credit risks. In order to guard against credit risks efficiently, to promote the development of the consumer credit business, card issuers must establish a set of effective scientific and reasonable individual credit system. The credit rating system divided customers into “good”customers and ”bad”customers. Then according to the historical data of different attributes, set a mathematical model, forecast the default risk of credit card users. Decision Trees is simple, easily understanding and has low error rate, so this paper take the algorithm as the modeling method. Firstly, this Paper combines data mining, credit card industry, credit rating together, analyzed the characteristics of data mining and credit rating for credit card, lay a theoretical foundation for the following discussion. Secondly, consider the different feature of means of data mining, choose the algorithm C5.0 of Decision Tree as the following data mining mean, then introduce the specific processes of modeling with C5.0. Finally, make use of the individual credit card data which comes from certain bank, go through business Understanding, data understanding, data preparation, modeling, modeling evaluation, set a model based on decision tree. Then according to the specified actu