基于支持向量機的個人信用評估模型與算法的研究.pdf

1、首都師范大學碩士學位論文基于支持向量機的個人信用評估模型與算法的研究姓名：張釗申請學位級別：碩士專業(yè)：計算機應用技術指導教師：王鎖柱20080404基于塞墊塑量墊箜全△笪旦塑笪堡型皇箜鎏塑嬰塑一一ABSTRACTAtpresentpersonalconsumercredithasbeenallimportantmeasuretospurourcountry’Sdomesticdemandandpromotedthedevelopment

2、ofeconomicInthecourseofindividual’Sconsunlercreditdevelopment，oneofthemainproblemswefacedisthedifficultyinevaluatingandcontrollingpersohalcreditriskswhichcausethehighriskofcreditcoP_su／nefbusinessTherefore，theresea∞choft

3、hepersonalcreditindicatorsystemandevaluationalgorithmisbecomingmoreandmoreimportant。Thepapertakesaccountofthreeprimaryprojectsofpersonalcreditevaluationsystemmodel，datapreparationandevaluationalgorithmsTheachievementsint

4、heresearchareasfollows：Firstlya7tuplesoverallframeworkofthepersonalcreditevaluationsystemisputforwardtosolvetheproblemthatthesystemislackofthedescriptionoftheformalizationandthestandardizationMoreoverapersonalcreditevalu

5、ationsystemmodulebasedontheSVMthesisisbuiltwhichpointsoutthekeyiSSUCSnecessaryforthesystemimplementationSecondlyallevaluationindicatorsystemconstitutedby10indicatorssuchassex，ageandincomeisbroughtout，dependingontheconstr

6、uctionregulationsofevaluationindicatorsauthorizedbytheindustryandtheacademics，theinfluencetothepersonalcreditevaluationbyrespectiveindicatorandthereferencesoftheindicatorsystemsupposedbytheChinesebanksInordertoimprovethe

7、effectofthepersonalcreditevaluation，thepaperinvestigatesthedataproprocessingissuebeforetheevaluationandprovidesthepro—processingmethodofthepersonalcreditdatasuchasdatacleaning，dataintegration，datapresentationanddatatrans

8、formationFinallythepaperbringsforwardaBTFSVMalgorithmtomeettherequirementofthenmlticlassificationandtheantiinferenceofevaluationalgorithm，aBTFSVMalgorithmsupportingtheincrementallearningonthebasisoftheSISVMalgorithmandth

9、eBTFSVMalgorithmtomeettherequirementoftheincrementallearningoftheevaluationalgorithm，andaBTFSVMalgorithmsupportingtheparallellearningonthebasisoftheCascadeSVMalgorithmandtheBTFSVMalgorithmtomeettherequirementoftheparalle