数据挖掘在银行业风险防范的应用

The Application of Data Mining in Banking Credit Risk Predictio

信息资源的分析、整合在银行业的竞争中起着越来越重要的作用。数据挖掘作为一种有效的数据分析工具．能为决策者从不断积累与更新的数据中提取有价值的信息。因此，数据挖掘在银行业日益受到重视。该文介绍数据挖掘在信贷风险预测方面的应用，从信贷管理信息系统中提取数据建立数据仓库，设计并实现了一个C／S结构的信贷风险预测系统，为经营者提供数字化的决策依据。

Information analysis and integration plays a more important role than before in banking competition. As a kind of effective data analysis tools, Data Mining can be very helpful to pick-up the valuable information from the continually increasing data store of decisionmaker. So Data Mining is gained more and more focuses in banking market research. This article introduce the application value of Data Mining in credit risk prediction research. Picking up some data from credit management information system and establishing data workhouse ,designing and realizing the credit risk prediction system with C/S flame, which can offer digital advice to credit operator.