Research and application of credit score based on decision tree model

Abstract

In order to timely and properly analyse the customer credit assessment, and to speed up the decision-making speed, here introduced the application of data mining technology used in the bank on the users" evaluation, and establish a decision tree model of customer credit evaluation which is aimed at improving the credit rating quality . And introduced the basic process of decision tree algorithm. Bank customer's credit is classified as background. Using the decision tree algorithm C4.5 as the most classic tools, specific studies of business understanding, data understanding, data preparation, modeling, evaluation and implementation of aspects of publishing have been done. Customer credit, using the decision tree classification algorithm, obtained a series of decision rules with which a bank to make the right decisions. © 2011 Springer-Verlag.