【摘要】：隨著商業(yè)銀行信用卡業(yè)務(wù)的不斷提高,數(shù)據(jù)挖掘技術(shù)開(kāi)始應(yīng)用于信用卡風(fēng)險(xiǎn)管理系統(tǒng),該技術(shù)的運(yùn)用存在著非常深遠(yuǎn)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(fēng)險(xiǎn)管理系統(tǒng)里的應(yīng)用。并且對(duì)該項(xiàng)技術(shù)的應(yīng)用前景進(jìn)行了預(yù)測(cè)。 在數(shù)據(jù)挖掘技術(shù)過(guò)程中主要通過(guò)SLIQ算法進(jìn)行,SLIQ算法是一種基于決策樹(shù)模型的模型,本文主要是運(yùn)用決策樹(shù)模型使其與具體業(yè)務(wù)程序相結(jié)合,從而在平時(shí)的客戶審核操作中實(shí)現(xiàn)與實(shí)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(píng)分可以更為合理,在充分保證算法科學(xué)合理的基礎(chǔ)上,實(shí)現(xiàn)數(shù)據(jù)挖掘技術(shù)以及算法的優(yōu)化。 對(duì)于系統(tǒng)集成,本研究細(xì)致深入的對(duì)主要的功能模塊進(jìn)行了闡明,同時(shí)簡(jiǎn)要概括了每一個(gè)功能模塊的作用,并對(duì)該系統(tǒng)集成的體系架構(gòu)以及相關(guān)技術(shù)進(jìn)行了分析,在這里利用系統(tǒng)架構(gòu)圖的手段對(duì)其作出說(shuō)明。另一方面,在實(shí)證部分本研究細(xì)致深入的闡明了某中小股份制商業(yè)銀行的系統(tǒng)問(wèn)的關(guān)聯(lián)和系統(tǒng)的用戶界面與業(yè)務(wù)流程邏輯。在對(duì)其中的關(guān)鍵技術(shù)的可行性以及功能進(jìn)行驗(yàn)證的基礎(chǔ)上,筆者還實(shí)現(xiàn)了其中的部分功能。在該部分筆者將描述統(tǒng)計(jì)、決策樹(shù)模型以及利用層次分析法構(gòu)建的評(píng)分表有機(jī)的結(jié)合在了一起,為信用卡客戶進(jìn)行定量的評(píng)分評(píng)價(jià)奠定了基礎(chǔ)。同時(shí)對(duì)測(cè)試結(jié)果的準(zhǔn)確程度進(jìn)行了細(xì)致的驗(yàn)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(lái)需要改進(jìn)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(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.2;F224;TP311.13

【引證文獻(xiàn)】

相關(guān)博士學(xué)位論文 前1條

1 杜云生;信用卡消費(fèi)市場(chǎng)細(xì)分研究[D];北京理工大學(xué);2014年

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本文編號(hào)：2142787