Study on the Application of Data Mining Algorithms in Credit Card Management

摘要

Credit card business has developed quickly in the world in the past years. In order to prevent defaulting risk, some useful tools are used in credit card management. Application Scoring and Behavior Scoring are two important steps in this process, which data mining algorithms are used widely. In this paper, the application of data mining in credit card management are analyzed and the experiments show the difference of data mining in the application scoring and behavior scoring.