摘要
与企业贷款相比,个人住房贷款是银行较为优质的贷款品种,是各银行争先开拓发展的贷款项目;运用数据挖掘中的决策树技术,对个人公积金住房贷款数据进行挖掘;通过对个人信息、房屋信息、还贷记录等属性的分析,对客户的还贷行为进行了分类,并得出了一些分类规则。
Compared with the corporate loan, the commercial banks regard the personal housing loan as the higher-quality loan, and try to develop this loan area firstly. ,This paper used decision tree technology of data mining to mine the data of personal housing loan, and classifies the loan repayment behavior of customers by the analysis of personal information, housing information and so on, then educe a number of classification rules for banks to refer.
出处
《重庆工商大学学报（自然科学版）》
2008年第3期265-269,共5页
Journal of Chongqing Technology and Business University:Natural Science Edition
关键词
决策树
数据挖掘
住房贷款
还贷行为
decision tree
data mining
housing loans
loan repayment behavior
