Research on GA-based Bank Customer’s Credit Evaluation
Ligang Chen, Qiang Ye, Yijun Li · Jisuanji gongcheng · 2007
【Abstract】Based on the generalization characteristic of genetic algorithm(GA) and the credit evaluation model, this paper presents a GA-based credit scoring model, and then improves the algorithm. In order to meet the demand of the model match, chromosome express method, the fitness function using right and wrong rate of discriminating two class customer and corresponding genetic operators are designed. The results show that the proposed method is effective and of great practical value. 【Key words】Credit evaluation; Fitness function; Genetic algorithm