Study and development of decision-tree algorithm on farmer credit evaluation

doi:10.3778/j.issn.1002-8331.2008.31.071

Computer Engineering and Applications ›› 2008, Vol. 44 ›› Issue (31): 242-244.DOI: 10.3778/j.issn.1002-8331.2008.31.071

• 工程与应用 • Previous Articles Next Articles

Study and development of decision-tree algorithm on farmer credit evaluation

CHEN Liang-wei

Department of Computer Science，Sichuan University of Arts and Science，Dazhou，Sichuan 635000，China

Received:2007-12-03 Revised:2008-02-25 Online:2008-11-01 Published:2008-11-01
Contact: CHEN Liang-wei

决策树算法在农户小额贷款中的应用研究

陈良维

四川文理学院计算机科学系，四川达州 635000

通讯作者: 陈良维

Abstract

Abstract: This paper puts forward the decision tree algorithm in the application of the small credit loans evaluation system for farmers on the basic concepts of data mining technology.Facing the risk of the ever-increasing non-performing loan in the rural credit cooperatives，it establishes a more scientific，clear，simple，reliable and practisable farmer credit evaluation model with the help of the forecast of data mining，which will be applied to help determine whether the appliants have enough credit to get the loan or not.

Key words: data mining, decision tree classification, credit evaluate model, credit rating

摘要： 在讨论数据挖掘技术的基本概念、决策树方法的基础上，针对近年来农村信用社不良贷款的增加，提出了决策树算法在农户小额信用贷款评价中的应用。利用数据挖掘的预测功能，建立了一种较为科学明了，简单易行的农户信用评价模型，来应用于农村信用社对农户信用的评分，以作为贷款与否的依据。

关键词: 数据挖掘, 决策树分类法, 信用评价模型, 信用等级

CHEN Liang-wei. Study and development of decision-tree algorithm on farmer credit evaluation[J]. Computer Engineering and Applications, 2008, 44(31): 242-244.

陈良维. 决策树算法在农户小额贷款中的应用研究[J]. 计算机工程与应用, 2008, 44(31): 242-244.

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Study and development of decision-tree algorithm on farmer credit evaluation

决策树算法在农户小额贷款中的应用研究

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