基于决策树技术的农户小额贷款客户信用评价研究  

Study on Evaluation of Small Loan Credit of farmers’ Based on the Decision Tree

作　　者：尹水军 YIN Shui-jun(Hunan Liuyang No.1 Middle School,Changsha 410300,China)

机构地区：[1]湖南省浏阳市第一中学

出　　处：《电脑知识与技术》2019年第10Z期259-262,共4页Computer Knowledge and Technology

摘　　要：本文研究决策树分类算法ID3算法、C4.5算法和C5.0算法的基础上,通过比较决策树几种分类算法优劣,选择决策树C5.0算法作为本文模型建立方法,并以某市农村商业银行农户小额贷款数据信息作为数据源,利用SPSS Clementine12.0开发环境建立了决策树分类模型,建立农户小额贷款客户信用评价的决策树模型,并以此帮助农村商业银行对农户信用进行评价,并作为贷款与否的依据。Based on the research of decision tree classification algorithm ID3,C4.5 and C5.0,this paper chooses decision tree C5.0 algorithm as the model building method by comparing the advantages and disadvantages of several classification algorithms of deci sion tree,and takes the data information of rural commercial bank farmers'micro-loans as the data source,using SPSS Clementine.12.0 Development Environment establishes decision tree classification model,establishes decision tree model of credit evaluation of farmers'micro-credit customers,and helps rural commercial banks to evaluate farmers'credit,and serves as a basis for whether to lend or not.

关 键 词：决策树 C5.0算法 农户小额贷款 信用评价 

分 类 号：G642[文化科学—高等教育学]