Research on the Bank’s Credit Decision Making Based on the Exploration Data Analysis

Guang Ming Gong; Jing Yu Huang

doi:10.4028/www.scientific.net/AMM.644-650.5721

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HomeApplied Mechanics and MaterialsApplied Mechanics and Materials Vols. 644-650Research on the Bank’s Credit Decision Making...

Research on the Bank’s Credit Decision Making Based on the Exploration Data Analysis

Abstract:

This paper applies Exploratory Data Analysis to conclude the financial characteristics of the companies who obtains the loans from the bank under different financial ecological environment (FEE). We document that, the company’s solvency is important in the bank’s credit decision in different FEE. However, in bad FEE the bank pays more attention to the company’s cash flow, and in good FEE the bank focuses more on the company’s growth potential. The result provides an empirical basis for the bank to reduce the risk in the credit decision. It also indicates the necessity of the local government to develop the economy by improving the FEE.

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Periodical:

Applied Mechanics and Materials (Volumes 644-650)

Pages:

5721-5724

DOI:

https://doi.org/10.4028/www.scientific.net/AMM.644-650.5721

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Online since:

September 2014

Authors:

Guang Ming Gong*, Jing Yu Huang

Keywords:

Accounting Information, Credit Decisions, Data Mining (DM), Exploratory Data Analysis

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