The Model and Empirical Research of Application Scoring based on Data Mining Methods

Lai Hui, Shuai Li, Zhou Zongfang
2013 Procedia Computer Science  
Personal credit scoring has played an extremely important role in the credit risk management of commercial banks. Specially, application scoring provides an important basis for the approval of customers the first time. In this paper, firstly, the classification of the personal credit scoring is sorted out and the definition of application scoring is given; then T test method is used to do the indicators selection; further, the author establishes the static application scoring model based on the
more » ... data mining methods of Logistic regression and MCLP. The results show that among the methods that used in the application scoring, the effect of more suitable for commercial application and promotion. Open access under CC BY-NC-ND license. Open access under CC BY-NC-ND license.
doi:10.1016/j.procs.2013.05.116 fatcat:mjeuqotur5bprh2xq3ejbd6hyy