| 基于决策树的农户小额贷款信用评估模型研究 |
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| 引用本文： | 蔡丽艳,冯宪彬,丁蕊.基于决策树的农户小额贷款信用评估模型研究[J].安徽农业科学,2011,39(2):1215-1217. |
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| 作者姓名： | 蔡丽艳 冯宪彬 丁蕊 |
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| 作者单位： | 牡丹江师范学院计算机科学与技术系,黑龙江牡丹江,157012 |
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| 基金项目： | 牡丹江市科学技术计划项目，牡丹江市科技计划项目 |
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| 摘 要： | 分析了当前农村信用社对农户进行小额贷款时信用评估的现状及存在的问题,结合农户贷款的特点,构建了基于决策树算法的农户小额贷款信用评估模型,并对信用评估模型进行了实证,表明模型具有较好的预测效果,从而提高了农村信用社农户小额贷款业务的信用风险管理水平。
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| 关 键 词： | 决策树 C4.5算法 信用评估 |
The Decision Tree Used to Evaluate the Trust Worthiness of Small Loan Credit |
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| CAI Li-yan et al.The Decision Tree Used to Evaluate the Trust Worthiness of Small Loan Credit[J].Journal of Anhui Agricultural Sciences,2011,39(2):1215-1217. |
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| Authors: | CAI Li-yan |
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| Institution: | CAI Li-yan et al(Computer Science and Technology Department,Mudanjiang Teachers College,Mudanjiang,Heilongjiang 157012) |
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| Abstract: | The current credit for rural farmers in the small loan credit evaluation status and problems were analyzed.Combined their credit characteristics,the algorithm based on the decision of the peasant small loans and credit evaluation model of credit assessment model was structued,wrich has a good effect.The forecast increase the peasant small loans by rural credit for credit risk management standards. |
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| Keywords: | Decision tree C4 5 Evaluation of trustworthiness |
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