数据挖掘在信用卡发行中的应用

本文论述了银行信用卡发行零风险的流程，重点叙述了数据挖掘技术在金融兼业代理机构中的应用，即建立了一个信用卡监督管理系统，对信用卡申请者进行资信评估，判断是否同意向申请者发行信用卡，从而辅助专家做出决策。并与其它的分类系统作了比较，实验结果表明，本系统在信用卡监督管理领域有很好的应用前景。

The Application of Data Mining on Credit Card Issuing

This paper introduces the process of the bank issues credit cards with no risk and data mining＇s application in credit card supervisal organization.The credit card supervisal system evaluates the credit card applicant＇s qualification and decides whether to issue the card,which can help the experts make a decision.In addition, the paper compares this system with other classification systems, the results of the test shows that the system has a good application prospector in credit card supervisal field.