| 基于分类树和支持向量机的个人信用评估方法 |
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| 引用本文： | 高莉.基于分类树和支持向量机的个人信用评估方法[J].内江师范学院学报,2009,24(8):58-61. |
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| 作者姓名： | 高莉 |
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| 作者单位： | 四川省高等学校数值仿真重点实验室//内江师范学院数学与信息科学学院,四川,内江,641112 |
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| 摘 要： | 通过对分类树和支持向量机这两种方法在个人信用评估领域的适用性分析，提出了一种将分类树和支持向量机结合起来处理个人信用评估的新方法．用该方法处理含有混合数据的个人信用评估实例，结果表明，该方法有效地提高了整个模型的训练精度和测试精度．
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| 关 键 词： | 个人信用评估 分类树 支持向量机 |
Personal Credit Scoring Based on Classification Tree And Support Vector Machines |
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| GAO Li.Personal Credit Scoring Based on Classification Tree And Support Vector Machines[J].Journal of Neijiang Teachers College,2009,24(8):58-61. |
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| Authors: | GAO Li |
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| Institution: | In Sichuan Province Key Laboratory of Numerical Simulation of Colleges and Universities // School of Mathematics and Information Science;Neijiang Normal University;Neijiang;Sichuan 641112;China |
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| Abstract: | Firstly,the paper analyzed the adaptation of the classification tree and support vector machine applied to personal credit scoring.It then set up a synthetic approach which combines the above two methods together for credit scoring.Finally it used this method to deal with an example of the personal credit scoring with mixed data,and the result shows the approach improves training precision and test precision of the whole model effectively. |
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| Keywords: | Personal Credit Scoring Classification Tree Support Vector Machine |
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