| 数据挖掘技术在信用评分中的应用研究 |
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| 引用本文： | 宋云鹏,武钰.数据挖掘技术在信用评分中的应用研究[J].河南金融管理干部学院学报,2013(10):24-28. |
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| 作者姓名： | 宋云鹏 武钰 |
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| 作者单位： | [1]北京大学光华管理学院博士后流动站,北京100871 [2]中国华融资产管理股份有限公司博士后科研工作站,北京100033 [3]中国社会科学院金融研究所博士后流动站,北京100732 |
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| 摘 要： | 目前,数据挖掘技术在信用评分领域的应用已较成熟,但因缺乏对数据挖掘实际操作技术及其问题的研究,常难以获得理想的挖掘效果.梳理数据挖掘的操作流程,归纳总结数据挖掘的关键点,借助个案解析数据挖掘中常见的技术问题及数据挖掘技术的局限性,以期为利用数据挖掘技术进行信用评分提供技术支持.
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| 关 键 词： | 信用风险 信用信息 信用评分模型 数据挖掘 |
An Applied Research on Data Mining Technology in Credit Scoring |
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| SONG Yunpeng,WU Yu.An Applied Research on Data Mining Technology in Credit Scoring[J].Journal of Henan College of Financial Management Cadres,2013(10):24-28. |
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| Authors: | SONG Yunpeng WU Yu |
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| Institution: | 1. Postdoctoral Guanghua School of Management, Beking University, Beijing 100871 , China;2. Postdoctoral Institute o[ Finance, China Academy of Social Sciences, Beijing 100732, China ; 3. China Huarong Asset Management Corporation Postdoctoral, Beijing 100033 , China ) |
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| Abstract: | At present, the application of data mining technology in the field of credit scoring has been quite mature. However, it＇s often difficult to obtain the desired effect for lack of research on data mining technology and its practical issues. By combing the operation process of data mining and summarizing the key points of data mining, the pa- per dissects the common technical problems and limitations for data mining technology through case analysis, so as to provide credit scoring with technical support by taking advantage of data mining techniques. |
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| Keywords: | credit risk credit information credit scoring models data mining |
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