文献类型：期刊文献

中文题名：基于决策树的个人住房贷款信用风险评估模型

英文题名：Credit Risk Assessment Model for Individual Housing Loan Based on Decision Tree

作者：刘军丽[1];陈翔[2]

机构：[1]中国劳动关系学院经济管理系;[2]北京理工大学管理与经济学院

年份：2006

卷号：32

期号：13

起止页码：263

中文期刊名：计算机工程

外文期刊名：Computer Engineering

收录：CSTPCD、、BDHX2004、SCOPUS(收录号：2-s2.0-33747086940)、CSCD2011_2012、BDHX、CSCD

语种：中文

中文关键词：数据挖掘;决策树;个人住房贷款;信用风险评估

外文关键词：Data mining; Decision tree; Individual housing loan; Credit risk assessment

中文摘要：在决策树理论的指导下,通过信息增益的应用和公式的构造获取属性重要程度评价值,结合决策树挖掘得到个人住房贷款风险评估模型。经过对该模型进行测试和评价,得出它们预测准确率较高的结论,实现了能够从真正意义上帮助银行信贷人员进行信贷分析并为信贷决策提供支持的模型。同时,该方法对其它评价模型的构造也有一定借鉴意义。

外文摘要：Based on the theories of decision tree, this paper gets the importance assessment value among attributes through applying information gain and constructing formula. Combined with decision tree mining, this paper gets credit risk assessment for individual housing loan, which has highly predictive accuracy when it has been tested and evaluated. This model can be used to help employees of banks to analyze housing loan and can help loan department to make correct credit decision. Meanwhile, the methods using in this paper can be referred to construct other assessment models.