【摘要】：隨著商業(yè)銀行信用卡業(yè)務的不斷提高,數(shù)據(jù)挖掘技術(shù)開始應用于信用卡風險管理系統(tǒng),該技術(shù)的運用存在著非常深遠的意義。本文主要是研究了數(shù)據(jù)挖掘技術(shù)在信用卡風險管理系統(tǒng)里的應用。并且對該項技術(shù)的應用前景進行了預測。 在數(shù)據(jù)挖掘技術(shù)過程中主要通過SLIQ算法進行,SLIQ算法是一種基于決策樹模型的模型,本文主要是運用決策樹模型使其與具體業(yè)務程序相結(jié)合,從而在平時的客戶審核操作中實現(xiàn)與實際狀況相符合,這樣就在很大程度上使客戶分類以及信用評分可以更為合理,在充分保證算法科學合理的基礎(chǔ)上,實現(xiàn)數(shù)據(jù)挖掘技術(shù)以及算法的優(yōu)化。 對于系統(tǒng)集成,本研究細致深入的對主要的功能模塊進行了闡明,同時簡要概括了每一個功能模塊的作用,并對該系統(tǒng)集成的體系架構(gòu)以及相關(guān)技術(shù)進行了分析,在這里利用系統(tǒng)架構(gòu)圖的手段對其作出說明。另一方面,在實證部分本研究細致深入的闡明了某中小股份制商業(yè)銀行的系統(tǒng)問的關(guān)聯(lián)和系統(tǒng)的用戶界面與業(yè)務流程邏輯。在對其中的關(guān)鍵技術(shù)的可行性以及功能進行驗證的基礎(chǔ)上,筆者還實現(xiàn)了其中的部分功能。在該部分筆者將描述統(tǒng)計、決策樹模型以及利用層次分析法構(gòu)建的評分表有機的結(jié)合在了一起,為信用卡客戶進行定量的評分評價奠定了基礎(chǔ)。同時對測試結(jié)果的準確程度進行了細致的驗證,除此之外,筆者還分析了現(xiàn)階段系統(tǒng)之中具有的不足之處與將來需要改進的方向。
[Abstract]:With the continuous improvement of credit card business in commercial banks, data mining technology has been applied to credit card risk management system. This paper mainly studies the application of data mining technology in credit card risk management system. The application prospect of this technology is forecasted. In the process of data mining, the SLIQ algorithm is a model based on the decision tree model. This paper mainly uses the decision tree model to combine it with the specific business program. In order to achieve in the usual customer audit operation and the actual situation is consistent, so that to a large extent, customer classification and credit scoring can be more reasonable, on the basis of fully ensuring the scientific and reasonable algorithm, Data mining techniques and algorithms are optimized. For the system integration, the main function modules are explained in detail, and the function of each function module is briefly summarized, and the architecture and related technologies of the system integration are analyzed. The system architecture diagram is used here to illustrate it. On the other hand, in the empirical part, the paper clarifies the connection of the system and the user interface and business process logic of a small and medium-sized joint-stock commercial bank. On the basis of verifying the feasibility and function of the key technology, the author also realizes some of the functions. In this part, the author combines the description statistics, the decision tree model and the score table constructed by AHP, which lays the foundation for the quantitative evaluation of credit card customers. At the same time, the accuracy of the test results is verified in detail. In addition, the author also analyzes the shortcomings of the present system and the direction of improvement in the future.
【學位授予單位】：首都經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.2;F224;TP311.13

【引證文獻】

相關(guān)博士學位論文 前1條

1 杜云生;信用卡消費市場細分研究[D];北京理工大學;2014年

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本文編號：2142787