Credit Scoring Used for Different Arrears Rates

doi:10.13190/jbupt.201006.88.zhangyj

JOURNAL OF BEIJING UNIVERSITY OF POSTS AND TELECOM ›› 2010, Vol. 33 ›› Issue (6): 88-92.doi: 10.13190/jbupt.201006.88.zhangyj

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Credit Scoring Used for Different Arrears Rates

Received:2009-12-27 Revised:2010-05-26 Online:2010-12-28 Published:2011-01-07

Abstract

Abstract:

The initial credit scoring of telecom customers for different arrears rates is studied to improve the fairness and reasonableness of credit scoring. Using genetic algorithm and ant colony algorithm respectively, the weights of the customer attributes with respect to the credit are obtained to mine important knowledge from the customer data sets with different arrears rates. A credit scoring model added evaluation factor is proposed in order to find the optimum solution of credit weights in the case of high rate of arrears. Experiments indicate that it is necessary to select different scoring algorithm or different scoring model for the group with different arrears rates.

Key words: telecom customer, arrears rate, credit scoring

CLC Number:

TP301.6

References

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Credit Scoring Used for Different Arrears Rates

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[1]	LIU Zhan-feng, PAN Su. Hybrid Algorithm Base on Fuzzy-Rough Instance Selection for Credit Scoring [J]. JOURNAL OF BEIJING UNIVERSITY OF POSTS AND TELECOM, 2019, 42(2): 101-107.
[2]	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.