摘要
为了提升个人消费信贷产品的申请意愿,对影响消费信贷需求的因素进行了分析。通过对消费信贷数据的描述性分析、探索性分析,来挖掘贷款申请条件与申请人数之间的关联,得出城市、还款方式、放款时间、审批时间、担保方式、年龄限制、身份限制等7个因素对消费贷款需求的影响作用。对消费贷款需求问题进行总结,以期通过挖掘个人消费贷款数据背后的秘密,为消费信贷产品的设计提供有针对性地建议。
In order to increase the willingness to apply for personal consumer credit products,the factors that affect consumer credit demand are analyzed.Through descriptive analysis and exploratory analysis of consumer credit data,the relationship between loan application conditions and the number of applicants is explored,and the 7 factors affecting the consumer loan demand are obtained,i.e.the city,repayment method,loan time,approval time,guarantee method,age limit,identity limit,etc.The issues of demand for consumer loans are summarized,hoping to provide targeted suggestions for the design of consumer credit products by mining the secrets behind personal consumer loan data.
作者
朱思霖
Zhu Silin(School of Information Science&Technology,Xiamen University Tan Kah Kee College,Zhangzhou,Fujian 363105,China)
出处
《计算机时代》
2020年第12期14-16,21,共4页
Computer Era
关键词
申请意愿
消费信贷需求
因素
影响
建议
the willingness to apply
consumer credit demand
factors
affect
suggestion
