基于逻辑回归的银行贷款违约情况分析

Analysis of Bank Loan Default Based on Logistic Regression

本文推导了建立逻辑回归模型的过程,应用逻辑回归的原理,使用MATLAB自带函数编写应用程序,利用逻辑回归模型对银行贷款的违约数据进行研究分析,类型识别正确率可达81.4%,好于LM神经网络的结果。使用逻辑回归分析数据的方法求解实际问题,有较好的效果。

By deducing the process of establishing logistic regression model,understanding the thought principle of logistic regression deeply,and using MATLAB's own function to write the application,this paper applies logistic regression model to studying and analyzing the default data of bank loans,whose accuracy rate of type identification is up to 81.4%,better than the result of LM neural network.By using program to solve practical problems,it is helpful to understand the method of applying logistic regression to analyzing data.