数据挖掘在信用风险管理中的应用

本文详细分析了在现代信用风险管理中不同方法对数据质量的要求,并在此基础上提出采用数据挖掘方法改进数据质量、提高计算精度的建议,供我国金融机构信用风险管理之借鉴。

Data Mining in the Credit Risk Management

By analyzing the request of credit data in the modern credit risk model,th e author particularly illustrates the use of data mining in the credit managemen t and gives suggestions to the application of these models in Chinese banks,in o rder to provide references and methodologies for the business banks to improve t heir credit risk management level.