Research on Personal Credit Scoring Model Based on Decision Tree Approach [PDF]
, 2010 近年来，随着经济的高速发展，国内信用卡业务越来越繁忙。据一份对2013年中国信用卡市场预测报告（RNCOS，2009）显示，中国银行业在2008年期间发行了超过5000万张的信用卡，累计发行量超过1.5亿张，且这些数字在后续几年有望持续上升。面对如此巨大的业务量，信用卡业务管理层需要一些非常有效的决策工具来辅助他们。而信用评分系统作为一个实用的金融工具，在信用卡业务上有着巨大的应用空间。因此，在中国信用评分系统研究还不够成熟的阶段，研究高效的信用评分系统是一项非常有实际应用价值的工作 ...
周细岳
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