A multi-factors evaluation method on credit evaluation of commerce banks

  • Authors:
  • Zongfang Zhou;Xiaowo Tang;Yong Shi

  • Affiliations:
  • Management school, University of Electronic Science & Technology of China, Chengdu, Sichuan, P.R. China;Management school, University of Electronic Science & Technology of China, Chengdu, Sichuan, P.R. China;College of Information Science & Technology, University of Nebraska at Omaha, Omaha, NE

  • Venue:
  • CASDMKM'04 Proceedings of the 2004 Chinese academy of sciences conference on Data Mining and Knowledge Management
  • Year:
  • 2004

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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.