基于数据挖掘的个人信用风险评估分析
Analysis of Personal Credit Risk Assessment Based on Data Mining
彭维博 1陈进平1
作者信息
- 1. 中国邮政储蓄银行湖北省分行,湖北 430021
- 折叠
摘要
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.
Abstract
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.
关键词
数据挖掘/信用风险评估/预测模型Key words
data mining/credit risk assessment/predictive models引用本文复制引用
出版年
2024
NETL
NSTL
万方数据