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“互联网+”时代的个人信用分析与应用研究 被引量:6
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作者 王达山 《西南金融》 2016年第8期24-29,共6页
我国个人信用有效评价缺位影响了个人信贷的快速发展。本文通过分析互联网金融衍生的个人信用数据,综合传统信用评价数据,从个人身份、信用历史、经济能力和社会信用属性四个信用维度,提出了运用个人信用能力模型来对个人信用能力进行... 我国个人信用有效评价缺位影响了个人信贷的快速发展。本文通过分析互联网金融衍生的个人信用数据,综合传统信用评价数据,从个人身份、信用历史、经济能力和社会信用属性四个信用维度,提出了运用个人信用能力模型来对个人信用能力进行评价。本文同时分析了个人信用能力的演变,形成个人信用能力演变模型,并对模型的应用展开讨论。本文在借鉴国外互联网信贷机构信用管理经验的基础上,提出了基于模型的个人征信系统构建建议。 展开更多
关键词 互联网金融 个人信用能力 征信系统 消费信贷 征信体系建设 数据分析 信用数据分析运用
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基于Logistic回归的信用大数据处理算法研究 被引量:1
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作者 陈艳君 《现代电子技术》 2021年第24期141-144,共4页
P2P是一种新型的互联网金融借贷方式,近年来P2P平台却频繁出现安全问题。造成此类现象的主要原因是借贷人的个人信用评估不准确而导致的连锁反应,因此对借贷人的信用数据进行有效评估可以直接降低P2P平台的信用风险。经典的信用数据处... P2P是一种新型的互联网金融借贷方式,近年来P2P平台却频繁出现安全问题。造成此类现象的主要原因是借贷人的个人信用评估不准确而导致的连锁反应,因此对借贷人的信用数据进行有效评估可以直接降低P2P平台的信用风险。经典的信用数据处理方法无法对现代信贷领域的海量信贷数据进行精准分析,且传统的Logistic回归模型在变量较多的情况下会产生线性干扰。文中在对传统Logistic模型进行修正的基础上,加入了Lasso惩罚项以约束函数概率的估计值。实验测试结果表明,加入惩罚因子的Logistic回归模型预测结果最为精确,其AUC值相较于专家评估法与Logistic模型分别提高了6.4%和13.3%,证明文中所提出的改进Logistic模型可以准确地评估个人的信用能力,进而提示P2P平台有效地规避信用风险。 展开更多
关键词 P2P平台 信用数据分析 LOGISTIC回归 惩罚因子 AUC值 信用风险 预测分析
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Information Technology Career Interest on High School Students Based on Family Background
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作者 Hotniar Siringoringo Yudi Agustono Suryadi Harmanto Anacostia Kowanda 《Computer Technology and Application》 2011年第3期232-237,共6页
The objective of this paper is to measure word of mouth influence on IT career interest based on family background on Indonesian students. For this purpose the author used questionnaire as research instrument. Data as... The objective of this paper is to measure word of mouth influence on IT career interest based on family background on Indonesian students. For this purpose the author used questionnaire as research instrument. Data as a value to interest, word of mouth and family background variables, was gathered from high school students in Jakarta metropolitan. Further, data was analyzed using multiple groups on Lisrel software. Result shows that there's difference on the influence of word of mouth on computer/IT career interest based on family background. Model relationship between word of mouth and student interest towards computer/IT is moderated by parent education and birth order. 展开更多
关键词 Career interest family characteristics Indonesian students information technology word of mouth.
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An overview of human protein databases and their application to functional proteomics in health and disease 被引量:2
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作者 ZHANG YanQiong ZHU YunPing HE FuChu 《Science China(Life Sciences)》 SCIE CAS 2011年第11期988-998,共11页
Functional proteomics can be defined as a strategy to couple proteomic information with biochemical and physiological analyses with the aim of understanding better the functions of proteins in normal and diseased orga... Functional proteomics can be defined as a strategy to couple proteomic information with biochemical and physiological analyses with the aim of understanding better the functions of proteins in normal and diseased organs.In recent years,a variety of publicly available bioinformatics databases have been developed to support protein-related information management and biological knowledge discovery.In addition to being used to annotate the proteome,these resources also offer the opportunity to develop global approaches to the study of the functional role of proteins both in health and disease.Here,we present a comprehensive review of the major human protein bioinformatics databases.We conclude this review by discussing a few examples that illustrate the importance of these databases in functional proteomics research. 展开更多
关键词 human protein database BIOINFORMATICS functional proteomics HEALTH DISEASE
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