Research On Individual Credit Rating Model Of Commercial Banks

The development patterns of domestic and foreign commercial banks and the problems encountered in the development process are analyzed in this paper.In addition,The new model of the development of business model is explored,and how to use the model to occupy a competitive advantage in the future trend.At the same time,some measures are taken to achieve competitive defects faced by the commercial bank.And decision tree algorithm is used to achieve the classification of customer personal information level,which can help the bank to choose a high credit loan target and reduce credit risks.First of all,the development course of China's commercial banks and the problems encountered during this period are analyzed.The commercial bank has been in an invincible position in the market competition owing to a stable market share and huge scale,which leads to the single property right and the higher degree of nationalization of the commercial banks in our country.Secondly,the development situation and problems of China's commercial banks are described in detail.At the same time,the commercial banks have achieved the business process of information transformation in the interim.Then,the application of personal credit rating in commercial banks is described,and both the defects of personal credit business in commercial banks and the significance of personal credit rating are analyzed.And how commercial banks ensure the core competitiveness of commercial banks by the information flow management capabilities is determined.More importantly,massive data has been processed in real time and the level of bank operation and management is comprehensively improved by the analysis and mining of banking business information.Finally,the personal credit rating model is constructed and customer's credit rating is classified by the decision tree algorithm,which can help banks to better choose the loan target and reduce the risk of credit business.Furthermore,the experimental results are analyzed to ensure the accuracy of the model.