现代信息科技2024，Vol.8Issue(5)：12-16,5.DOI:10.19850/j.cnki.2096-4706.2024.05.003
基于逻辑回归的个人信用评分卡模型研究
Research on Personal Credit Score Card Model Based on Logistic Regression
摘要
Abstract
Building an effective personal credit risk assessment system to address potential personal credit risks is of great practical significance for the financial industry and the general public.This paper first cleans and preprocesses the data,and then uses WOE coding and binning and IV values for variable screening.A logistic regression model is constructed,and a personal credit score card model is established based on the logistic regression model.This model can assist decision-makers in formulating reasonable credit policies,pricing strategies,and other related business operation strategies.关键词
个人信用评估/评分卡/AUCKey words
personal credit evaluation/score card/AUC分类
信息技术与安全科学引用本文复制引用
张俊丽,郭双颜,任翠萍,马倩..基于逻辑回归的个人信用评分卡模型研究[J].现代信息科技,2024,8(5):12-16,5.基金项目
2020年陕西省教育科学"十三五"规划课题(SGH20Y1480) （SGH20Y1480）
2022年西安欧亚学院校级项目(2022GCPY01) （2022GCPY01）
