基于数据挖掘的商业银行个人信用风险评估平台设计与实现.doc

毕业设计(论文) 论 文 题 目： 基于数据挖掘的商业银行个人信用风险评估平台设计与实现 学 生 姓 名： 学 生 学 号： 专 业 班 级： 学 院 名 称： 指 导 老 师： 学 院 院 长： 2016年05月27日 基于数据挖掘的商业银行个人信用风险评估平台设计与实现 摘 要 计算机技术和信息技术的不断发展，带给我们便利的同时也带来一系列问题，其中一个问题是数据量的爆炸式增长以及数据之间的关系愈发复杂，如何对这些海量的数据进行处理，发掘隐藏在数据中潜在的理论价值和实际价值也成为生活中各个领域关注的焦点。 随着我国经济的不断发展，城市和农村居民的收入和消费水平有着显著提升，个人信贷业务已经成为商业银行主营业务之一，但目前我国商业银行在个人信用风险评估方面存在着不足。因此，研究如何利用数据挖掘技术从银行现有的客户数据中分析客户的信用风险，具有重要的理论价值和实际意义。 本文首先对数据挖掘的概念、发展现状进行了介绍。其次对数据挖掘的算法进行了介绍，分析了本系统会用到的数据挖掘的算法。然后，结合商业银行在客户信用风险评估方面遇到的问题进行了需求分析。在此基础上，提出了基于BP神经网络以及决策树算法的商业银行个人信用风险评估模型，为商业银行个人信用风险评估提供了可行的解决方案。 关键词：数据挖掘；BP神经网络；决策树；信用风险 Design and Implementation of Commercial Banks Credit Risk Assessment Based on Data Mining Abstract The development of computer technology and information technology bring us convenience, but also brought a series of problems, one of the problems is the relationship between the amount of data as well as the explosive growth of data between the more and more complex, and how these massive data processing discover hidden potential data theoretic value and practical value has become the focus of attention in all areas of life. As Chinas economy continues to develop, income and consumption level of urban and rural residents has significantly improved, consumer credit business has become one of the main business of commercial banks, commercial banks in China but there is a lack of personal credit risk assessment. Therefore, studying how to use data mining techniques to analyze customer credit risk from the banks existing customer data, has important theoretical and practical significance. Firstly, the concept, development status data mining are introduced. Secondly, the data mining algorithms are introduced, we analyzed the system will use data mining algorithms. Then, combined with problems encountered by commercial banks in customer credit risk assessment needs analysis. On this basis, the proposed individual credit risk assessment model based on BP neural network and decis