The research on methods of personal credit scoring combined model selection based on optimized index system

doi:10.11918/j.issn.0367-6234.2016.05.010

Home > Archive>Volume 48, Issue 5, 2016 >67-71. DOI:10.11918/j.issn.0367-6234.2016.05.010

The research on methods of personal credit scoring combined model selection based on optimized index system
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                        10.11918/j.issn.0367-6234.2016.05.010
                    
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Affiliation:(1.School of Management, Harbin Institute of Technology, 150001 Harbin, China; 2.School of Computer Science and Technology, Harbin Institute of Technology, 150001 Harbin, China; 3.School of Materials Science and Engineering, Harbin Institute of Technology, 150001 Harbin, China)
Clc Number:F830.589
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Abstract:

For precise estimation of borrowers' personal credit and reasonable risk management of commercial bank, main models as well as problems are pointed out first. Next, to solve these problems, a modified algorithm is designed to compute a series of weights for indexes to satisfy different needs in different banks with various data and finally improve the accuracy of the model.

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Received:October 22,2015
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Online: May 09,2016
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