摘要
在讨论数据挖掘技术的基本概念、决策树方法的基础上,针对近年来农村信用社不良贷款的增加,提出了决策树算法在农户小额信用贷款评价中的应用。利用数据挖掘的预测功能,建立了一种较为科学明了,简单易行的农户信用评价模型,来应用于农村信用社对农户信用的评分,以作为贷款与否的依据。
This paper puts forward the decision tree algorithm in the application of the small credit loans evaluation system for farmers on the basic concepts of data mining technology.Facing the risk of the ever-increasing non-performing loan in the rural credit cooperatives,it establishes a more scientific,clear,simple,reliable and practisable farmer credit evaluation model with the help of the forecast of data mining,which will be applied to help determine whether the appliants have enough credit to get the loan or not.
出处
《计算机工程与应用》
CSCD
北大核心
2008年第31期242-244,248,共4页
Computer Engineering and Applications
基金
四川省自然科学青年基金项目(No.07ZB075)
关键词
数据挖掘
决策树分类法
信用评价模型
信用等级
data mining
decision tree classification
credit evaluate model
credit rating
