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The Research on Personal Credit Evaluation in Commercial Banks

Author: DongZuoZuo
Tutor: WangZongJun
School: Huazhong University of Science and Technology
Course: Business management
Keywords: Consumer Credit Credit Risk Decision Tree Neural Networks Evaluation Model
CLC: F224
Type: Master's thesis
Year: 2007
Downloads: 278
Quote: 2
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Abstract


At present , China's personal credit system is not yet perfect , the increasingly rapid development trend of China 's personal credit , personal credit accounted for the overall commercial bank loans proportion is rising day by day , has become an expected profit growth for banks in China , to strengthen the personal credit evaluation methods and indicators research can greatly minimize the bank to carry out consumer credit risk , and accelerate the development of personal credit . In-depth analysis on the basis of the relevant research results at home and abroad on the discriminant analysis , linear regression , neural networks , decision trees , such as the basic principle of the evaluation model . Analysis of the content of personal credit evaluation at home and abroad at the same time carried out a detailed analysis and comparison , under which the establishment of personal credit evaluation index system suitable for China's actual situation . In this paper, application of neural network classifier , decision tree classifier methods of credit analysis , they are introduced into the field of personal credit analysis , indicators and more continuous and discrete variables mixed decision tree and neural network is suitable for processing continuous , discrete or both mixed variables , in credit analysis , there is also a good application . The applications can also play the role of a mutual check . The appropriate samples extracted from the actual personal credit business of commercial banks in China , the application of the decision tree model classified computing sample structure of the classification results of the impact model , wrong different combinations of test points cost parameters of decision tree model optimization, has been a model for personal credit evaluation applied to commercial banks . Then using neural network algorithm EXhaustive prune , Prune algorithm , RBFN algorithm modeling and model optimization. The last two models are compared , the comparison results of the study showed that the neural network EXhaustive prune algorithm model is superior to the decision tree C5 algorithm .

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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