Title :
A Genetic Algorithm Model for Personal Credit Scoring
Author :
Cai, Wenxue ; Lin, Xiaodan ; Huang, Xiaoyu ; Zhong, Huiling
Author_Institution :
Sch. of Econ. & Commerce, South China Univ. of Technol., Guangzhou, China
Abstract :
Nowadays, personal credit scoring models have played a vitally important part for many organizations in keeping away from credit risks. This paper establishes a personal credit scoring model via one of data mining approaches-genetic algorithm, which is a useful method applied to solve credit scoring problems. And the experiment of this model is proved to its high efficiency and evaluated its significant value on credit scoring.
Keywords :
data mining; financial data processing; genetic algorithms; risk management; credit risks; data mining; genetic algorithm model; personal credit scoring models; Business; Data mining; Finance; Genetic algorithms; Logistics; Neural networks; Performance analysis; Regression tree analysis; Statistical analysis; Statistics;
Conference_Titel :
Computational Intelligence and Software Engineering, 2009. CiSE 2009. International Conference on
Conference_Location :
Wuhan
Print_ISBN :
978-1-4244-4507-3
Electronic_ISBN :
978-1-4244-4507-3
DOI :
10.1109/CISE.2009.5366208
