摘要
本文设计了一款适于学生小额贷款的风险模型。在设计过程中,首先对学生属性数据进行数值化和归一化处理得到还款意愿的还款能力得分;然后,利用改进的KNN算法根据属性的重要程度赋予其相应的权重,进而判断贷款人能否按期还款。
This paper designs a risk model suitable for students ‘small loans. In the process of design Firstly make the student attribute data and unified Then, the improved KNN algorithm is used to give the relative weight according to the importance of the attribute and then determine whether the lender can repay the loan on time.
引文
[1]王波,程富云.KNN算法在股票中的应用[Z].2015.
[2]宿永杰.KNN最近邻算法原理详解[Z].2017.
[3]彭红枫.给予还款能力和还款意愿的贷款定价模型研究[Z].2016.