利用蚁群算法求解电信客户初始信用评分问题

doi:10.13190/jbupt.201001.124.zhangyj

北京邮电大学学报 ›› 2010, Vol. 33 ›› Issue (1): 124-128.doi: 10.13190/jbupt.201001.124.zhangyj

利用蚁群算法求解电信客户初始信用评分问题

张玉洁;孟祥武

（北京邮电大学智能通信软件与多媒体北京市重点实验室, 北京 100876）

收稿日期:2009-04-29 修回日期:2009-10-13 出版日期:2010-02-28 发布日期:2010-02-28
通讯作者: 张玉洁

Initial Credit Scoring for Telecom Customers Using Ant Colony Algorithm

ZHANG Yu-jie;MENG Xiang-wu

(Beijing Key Laboratory of Intelligent Telecommunications Software and Multimedia, Beijing University of Posts and Telecommunications, Beijing 100876, China)

Received:2009-04-29 Revised:2009-10-13 Online:2010-02-28 Published:2010-02-28
Contact: ZHANG Yu-jie

摘要/Abstract

摘要：

针对电信领域客户初始信用值获取问题，构建了一种信用评分模型，包括属性域和属性域信用权重的定义、信用权重的约束规则、初始信用度计算公式以及评价函数. 该模型根据客户的基本数据和消费行为数据进行信用评分. 在此模型的基础上，提出了一种基于蚁群算法的属性域信用权重分配算法. 实验结果表明，该模型能有效解决电信客户初始信用评分问题.

关键词: 电信客户, 初始信用度, 信用评分模型, 蚁群算法

Abstract:

A credit scoring model depending on customer application data and behavior data is developed in order to obtain the score of telecom customers’ initial credit. The model includes: the definition of the attribute domain and its weight; some rules on the weight; the formula to calculate initial credit; and the evaluating function. Meanwhile, an allocation algorithm for customers’ attribute weight is proposed using ants algorithm based on the model. Simulation demonstrates the rationality and feasibility of the model.

Key words: telecom customer, initial credit, credit scoring model, ant colony algorithm

中图分类号:

TP301.6

张玉洁;孟祥武. 利用蚁群算法求解电信客户初始信用评分问题[J]. 北京邮电大学学报, 2010, 33(1): 124-128.

ZHANG Yu-jie;MENG Xiang-wu. Initial Credit Scoring for Telecom Customers Using Ant Colony Algorithm[J]. JOURNAL OF BEIJING UNIVERSITY OF POSTS AND TELECOM, 2010, 33(1): 124-128.

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利用蚁群算法求解电信客户初始信用评分问题

Initial Credit Scoring for Telecom Customers Using Ant Colony Algorithm

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