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http://dx.doi.org/10.3745/KIPSTD.2005.12D.2.211

A Study of the Integration of Individual Classification Model in Data Mining for the Credit Evaluation  

Kim Kap Sik (대구산업정보대학 인터넷비즈니스과)
Publication Information
The KIPS Transactions:PartD / v.12D, no.2, 2005 , pp. 211-218 More about this Journal
Abstract
This study presents an integrated data mining model for the credit evaluation of the customers of a capital company. Based on customer information and financing processes in capital market, we derived individual models from multi-layered perceptrons(MLP), multivariate discrimination analysis(MDA), and decision tree. Further, the results from the existing models were compared with the results from the integrated model using genetic algorithm. The integrated model presented by this study turned out to be superior to the existing models. This study contributes not only to verifying the existing individual models but also to overcoming the limitations of the existing approaches.
Keywords
데이터마이닝;신용평가;유전자 알고리즘;다계층 퍼셉트론;통합모형;다변량 판별분석;
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