基于K-means算法的信贷系统风险预测模型研究

Research on Risk Prediction Model of Credit System Based on K-means Algorithms

鉴于信用危险范畴存在的疑问,笔者运用了贷款风险预测办法中的K-means聚类算法而构建了服务于贷款风险办理结构的K-means均值聚类模型.利用系统的银行贷款风险权衡模型使K-means均值聚类算法与银行贷款风险计量办理流程相联系,树立6个量化目标,搭建银行贷款危险计量办理实用体系,有效化解银行贷款金额迅速增加给社会经济发展带来的风险并解决各类复杂疑问,最大限度地提升银行贷款的安全性.

In view of the doubts of credit risk category;the authors use K-means clustering algorithm in loan riskprediction method to construct a K-means mean clustering model serving loan risk management structure. By usingthe systematic bank loan risk trade-off model;the K-means clustering algorithm is linked with the process of bankloan risk measurement and processing. Six quantitative objectives are set up;and a practical system of bank loanrisk measurement and processing is established. The system can effectively reduce the risks brought by the rapid increase in the amount of bank loans to the social and economic development and solve various complex questions;maximizing the security of bank loans.