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个人信用评估是现代商业银行个人信用管理的核心.本文将数据挖掘中的随机森林算法(RandomForests,RF)运用到现代个人信用评估模型中,实现了逐步优化和评估.

Features of Random Forests It is unexcelled in accuracy among current algorithms. It runs efficiently on large data bases. It can handle thousands of input variables without variable deletion. It gives estimates of what variables are important in the classification. It generates an internal unbiased estimate of the generalization error as the forest building progresses. It has an effective method for estimating missing data and maintains accuracy when a large proportion of the data are missing. It has methods for balancing error in class population unbalanced data sets. Generated forests can be saved for future use on other data. Prototypes are computed that give information about the relation between the variables and the classification. It computes proximities between pairs of cases that can be used in clustering, locating outliers, or (by scaling) give interesting views of the data. The capabilities of the above can be extended to unlabeled data, leading to unsupervised clustering, data views and outlier detection. It offers an experimental method for detecting variable interactions.