To Construct an Individual Credit Risk Assessment Method
To achieve low costs and better accuracy of individual risk assessments, we constructed a practical method based on multiple classifiers. The method includes many singal classifiers, such as decision trees and the cluster analysis. And we tested it empirically. The result shows that the application of the method can achieve better accuracy than any single classifier of it.
H. Wang, B.J. Zhang, X.Z. Liu, D.Z. Luo, S.B. Zhong
J. J. Li et al., "To Construct an Individual Credit Risk Assessment Method", Advanced Materials Research, Vols. 143-144, pp. 116-119, 2011