Research on Personal Credit Evaluation Based on PCA-Logit Model

2021 ◽  
Author(s):  
Yuhan Yao ◽  
Xing Zhong ◽  
Xueting Zhao
Keyword(s):  
Logit Model ◽  
Credit Evaluation ◽  
Personal Credit

Credit Risk Management for College Students: An Analysis of Influencing Factors Based on 5C Approach

2021 ◽  
Vol 12 (1) ◽  
pp. 105-105
Author(s):  
Xiang Zou ◽  
Jinting Zhao ◽  
Yun Tong
Keyword(s):  
College Students ◽  
Risk Management ◽  
Credit Risk ◽  
Evaluation System ◽  
Least Squares Method ◽  
Credit Risk Management ◽  
Credit Evaluation ◽  
Personal Credit ◽  
Depth Analysis ◽  
Credit Evaluation System

This paper focuses on the construction of college students' credit evaluation system and credit risk management under the background of big data. Firstly, based on the 5C approach, this paper evaluates the personal credit of college students from 5 dimensions and 24 indicators, which finally contribute to the establishment of the credit evaluation system for college students. Then, the partial least squares method is used to build the structural equation model to evaluate the effectiveness of the credit evaluation system for college students. According to the in-depth analysis of PSL-SEM, the factors that affect the credit risk of college students are effectively evaluated, and it has contributed to the establishment and improvement of the credit system of college students. Keywords: Personal Credit, Credit Evaluation, Credit Risk, 5C Approach, PLS-SEM.

scholarly journals Research on Personal Credit Evaluation of Internet Finance Based on Blockchain and Decision Tree Algorithm

2020 ◽  
Author(s):  
Yuhao Zhao
Keyword(s):  
Information Security ◽  
Decision Tree ◽  
Large Scale ◽  
Evaluation Process ◽  
Credit Evaluation ◽  
Personal Credit ◽  
Blockchain Technology ◽  
Financial Credit ◽  
Internet Finance ◽  
Dynamic Operating

Abstract With the development of Internet finance, existing financial platforms have gradually formed a large-scale, dynamic operating environment. How to ensure information security and realize personal credit evaluation is an urgent problem to be solved in the development of Internet financial platforms. The rise of blockchain technology has provided new solutions for the management of Internet financial platforms and information security. In view of the shortcomings of the current Internet financial credit evaluation, this article discusses the key standards of personal credit evaluation. With the help of blockchain, decision tree and other technologies, this paper designs the credit evaluation process and establishes personal credit evaluation technology. Experiments and analysis show that this technology can effectively improve the transparency of personal credit information in Internet finance. This technology is used to study credit risk assessment factors and provide new solutions for the intelligent transformation and upgrading of Internet finance.

scholarly journals Research on personal credit evaluation of internet finance based on blockchain and decision tree algorithm

2020 ◽  
Vol 2020 (1) ◽  
Author(s):  
Yuhao Zhao
Keyword(s):  
Information Security ◽  
Decision Tree ◽  
Large Scale ◽  
Evaluation Process ◽  
Credit Evaluation ◽  
Personal Credit ◽  
Blockchain Technology ◽  
Financial Credit ◽  
Internet Finance ◽  
Dynamic Operating

Abstract With the development of Internet finance, existing financial platforms have gradually formed a large-scale, dynamic operating environment. How to ensure information security and realize personal credit evaluation is an urgent problem to be solved in the development of Internet financial platforms. The rise of blockchain technology has provided new solutions for the management of Internet financial platforms and information security. In view of the shortcomings of the current Internet financial credit evaluation, this article discusses the key standards of personal credit evaluation. With the help of blockchain, decision tree, and other technologies, this paper designs the credit evaluation process and establishes personal credit evaluation technology. Experiments and analyses show that this technology can effectively improve the transparency of personal credit information in Internet finance. This technology is used to study credit risk assessment factors and provide new solutions for the intelligent transformation and upgrading of Internet finance.

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