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基于数据挖掘的个人信用风险评估分析

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阐述基于数据挖掘技术的信用卡个人信用风险评估方法,在银行业务中应用于高潜力期缴保险客户营销.通过算法建模、客户数据处理等步骤,构建低资产客户潜力预测模型,实现有效客户挖掘.
Analysis of Personal Credit Risk Assessment Based on Data Mining
This paper expounds a personal credit risk assessment method for credit cards based on data mining technology,and applies it to the marketing of high potential period payment insurance customers in banking business.It constructs a low asset customer potential prediction model through algorithm modeling,customer data processing,and other steps to achieve effective customer mining.

data miningcredit risk assessmentpredictive models

彭维博、陈进平

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中国邮政储蓄银行湖北省分行,湖北 430021

数据挖掘 信用风险评估 预测模型

2024

电子技术
上海市电子学会,上海市通信学会

电子技术

影响因子:0.296
ISSN:1000-0755
年,卷(期):2024.53(4)