The development of a credit scoring system: a CBR approach with GA applied

Authors:
Shihchieh Chou;Doug Sheu;Tai-Ping Hsing;Patric S. Chen
Affiliations:
Department of Information Management, National Central University, Taiwan, R.O.C.;Department of Information Management, National Central University, Taiwan, R.O.C.;Department of Information Management, National Central University, Taiwan, R.O.C.;Department of Information Management, National Central University, Taiwan, R.O.C.
Venue:
CIMMACS'06 Proceedings of the 5th WSEAS International Conference on Computational Intelligence, Man-Machine Systems and Cybernetics
Year:
2006

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Abstract

To improve the classifying accuracy for credit rating, many techniques have been applied in the credit scoring methods. This research has developed a credit scoring system based on case-based reasoning (CBR) with the genetic algorithm (GA) applied in the k-nearest-neighbor (k-NN) technique for case retrieving. Performance of the system has been presented and examined under human selected factors. Also, advamced research with the same techniques applied to support loan amount rating has been designed and suggested.