| 基于DBT分类算法的银行贷款风险评估 |
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| 引用本文： | 邱骏达,闭应洲,王仁民,兰军明.基于DBT分类算法的银行贷款风险评估[J].广西师院学报,2014(2):62-66. |
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| 作者姓名： | 邱骏达 闭应洲 王仁民 兰军明 |
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| 作者单位： | 广西师范学院计算机与信息工程学院,广西南宁530023 |
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| 基金项目： | 广西科技开发项目资助（桂科攻1348015-4）;广西教育厅科研项目资助（2011022D020） |
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| 摘 要： | 银行贷款风险评估一直是金融界高度关注的主要问题，现有方法主要包括K-means聚类、BP神经网络、简单决策树、VAR方法等多种风险评估算法。但对于客户属性值缺失的案例，上述方法就很难达到良好的效果。为了解决属性值缺失的风险评估问题。提出了一种基于贝叶斯决策树算法的贷款风险评估算法（DBT ），实验结果证明了该算法的有效性。
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| 关 键 词： | 银行贷款风险评估 贝叶斯决策树算法（DBT） 属性值缺失 |
Risk Assessment of Bank Loan Based on DBT Classification Algorithm |
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| QIU Jun-da,BI Ying-zhou,WANG Ren-min,LAN Jun-ming.Risk Assessment of Bank Loan Based on DBT Classification Algorithm[J].Journal of Guangxi Teachers College(Natural Science Edition),2014(2):62-66. |
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| Authors: | QIU Jun-da BI Ying-zhou WANG Ren-min LAN Jun-ming |
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| Institution: | (School of Computer and Information Engineering, Guangxi Teachers Education University, Nanning 530023, China) |
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| Abstract: | The risk assessment of bank loan has been valued highly by financial world .Various risk evaluation methods for risk classification ,such as K means clustering algorithm ,BP neural net-work ,simple decision tree and VAR ,have been produced ,but they all suffer the problem of attribute values missing .To solve this problem ,we propose a novel Bayesian decision tree algorithm （DBT ） , and the experimental results show its effectiveness . |
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| Keywords: | risk assessment of bank loan Bayesian decision tree algorithm （DBT） attribute values missing |
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