基于分类回归树的个人信用评价模型

On the individual credit evaluation mode based on the assoeted recursive tree

分类回归树作为一种基于统计理论、计算机实现的非参数识别技术,在个人信用评估领域有着良好的应用前景。文章主要探讨如何利用分类回归树建立个人信用评价模型。实证结果表明:该模型对个人信用评价可取得较好的效果。

The classified return tree takes one kind the non-parameter recognition technology which based on the statistical theory, the computer realizes, has the good application prospect in individual credit appraisal domain. How does the article mainly discuss establishes individual credit status model using the classified return tree. The real diagnosis result indicated： This model may make the good progress to individual credit status.