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Data Mining and Knowledge Management

Volume 3327 of the series Lecture Notes in Computer Science pp 229-232

A Multi-factors Evaluation Method on Credit Evaluation of Commerce Banks

  • Zongfang ZhouAffiliated withManagement school, University of Electronic Science & Technology of China
  • , Xiaowo TangAffiliated withManagement school, University of Electronic Science & Technology of China
  • , Yong ShiAffiliated withCollege of Information Science & Technology, University of Nebraska at Omaha

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Abstract

The concept of multi-factors detached coefficients is put forth and an evaluation method is given for customer’s credit in this paper. We also get the optimal multi-factors detached coefficients matrix by minimizing the estimate errors. According to this matrix, we get the scores vector of customer’s credit at n  factors, further the credit of the customers is evaluated and selected by commerce banks.