Research on Assessment Method for Credit Risk in Commercial Banks of China Based on Data Mining

2013 ◽  
Vol 303-306 ◽  
pp. 1361-1364
Author(s):  
Wen Juan Li ◽  
Shi Min Wang
Keyword(s):  
Data Mining ◽  
Credit Risk ◽  
Commercial Banks ◽  
Evaluation System ◽  
Debt Crisis ◽  
Measurement Model ◽  
Risk Measurement ◽  
Risk Level ◽  
Mining Technology ◽  
Measurement Models

Due to the huge loss to the bank caused by credit risk in the financial debt crisis of the international Banking industry in 1980s, the research on Credit Assessment Methods is becoming the central issue of the study of financial theory in China and abroad. This paper builded the assets financial evaluation system of credit risk level based on the association rules-Apriori algorithm of data mining technology, which aimed the problems and the serious shortage of risk quantification study in domestic banks credit risk management. At the same time, taking into account the actual situation of our country, this paper analyzed that there are certain difficulties to use modern credit risk measurement models to evaluation the credit risk of commercial banks. And it suggests building a credit portfolio risk measurement model suitable for China's commercial banks with using logistic regression model of data mining technology.

scholarly journals Study of Credit Risk Identification Techniques Followed by Commercial Banks in Nepal

2017 ◽  
Vol 2 (2) ◽  
pp. 1-17
Author(s):  
Indra Kumar Kattel
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Joint Venture ◽  
Swot Analysis ◽  
Risk Identification ◽  
Risk Level ◽  
Private Bank ◽  
Significant Difference ◽  
Identification Techniques ◽  
Tools And Techniques

 The main purpose of this study is to explore the current credit risk identification techniques used by Nepalese commercial banks. A questionnaire was developed and surveyed to 9 commercial banks operating in Nepal. This paper attempts to ascertain the perceptions of Nepalese bankers about the importance of credit identification techniques and the practice of various tools to identify the risk related with the borrowers. The result of the study indicates that the Nepalese bankers are aware of the importance of various techniques to effectively identify the risk level. Furthermore, the Nepalese commercial banks have used various techniques like interview, root cause effect, check list analysis, Strength, Weakness, Opportunity and Threat (SWOT) analysis, scenario analysis, expert judgment, simulation, stress testing etc. In addition, there was significant difference between all three categories of bank, namely State-Owned bank with Private Bank, State-Owned bank with Joint Venture Bank, and Joint Venture Bank with Private Bank in terms of tools and techniques used for credit risk identification.

Design of College English Process Evaluation System Based on Data Mining Technology and Internet of Things

2020 ◽  
Vol 16 (2) ◽  
pp. 18-33 ◽  
Author(s):  
Hongli Lou
Keyword(s):  
Data Mining ◽  
Internet Of Things ◽  
Process Evaluation ◽  
Evaluation System ◽  
Current Situation ◽  
The Internet ◽  
Mining Technology ◽  
College English ◽  
Procedural Evaluation ◽  
The Internet Of Things

This article proposes a new idea for the current situation of procedural evaluation of college English based on Internet of Things. The Internet of Things is used to obtain the intelligent data to enhance the teaching flexibility. The data generated during the process of procedural evaluation is carefully analyzed through data mining to infer whether the teacher's procedural evaluation in English teaching can be satisfied.

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