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首页> 外文期刊>Journal of information and computational science >An Artificial Immune Network Classification Algorithm for Credit Scoring
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An Artificial Immune Network Classification Algorithm for Credit Scoring

机译：信用评分的人工免疫网络分类算法

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摘要

In order to develop an objective and competitive credit scoring model, an immune network classification algorithm is proposed in this study. The algorithm employs information entropy minimization principle to transform the mixed input space into discretized space, and uses radial basis function to improve the system nonlinearity, and finally optimizes the immune classifier by pruning the cells with low fitness scores. The algorithm is used for Australian Credit Approval classification, the classification performance is evaluated by sensitivity, specificity and accuracy. The results show that our algorithm achieves better performance as compared with other algorithms, which means that our algorithm is a high-performance classifier and can provide valuable information for credit scoring to avoid making incorrect decisions.
机译：为了建立客观，有竞争力的信用评分模型，提出了一种免疫网络分类算法。该算法采用信息熵最小化原理将混合输入空间转换为离散空间，并利用径向基函数改善系统非线性，最后通过修剪适应度低的细胞来优化免疫分类器。该算法用于澳大利亚信贷审批分类，通过敏感性，特异性和准确性评估分类性能。结果表明，与其他算法相比，该算法具有更好的性能，这意味着该算法是一种高性能的分类器，可以为信用评分提供有价值的信息，从而避免做出错误的决策。

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  • 来源
    《Journal of information and computational science》 |2015年第11期|4263-4270|共8页
  • 作者

    Zelin Deng; Bowen Huye; Pei He; Yilin Li; Ping Li;

  • 作者单位

    School of Computer and Communication Engineering, Changsha University of Science and Technology, Changsha 410076, China;

    School of Information Science and Engineering, Central South University, Changsha 410083, China;

    School of Computer Science and Educational Software, Guangzhou University Guangzhou 510006, China;

    School of Information Science and Engineering, Central South University, Changsha 410083, China;

    School of Computer and Communication Engineering, Changsha University of Science and Technology, Changsha 410076, China;

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  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    Artificial Immune Network; Kernel Function; Credit Scoring; Sensitivity; Specificity;

    机译：人工免疫网络;内核功能;信用评分;灵敏度;特异性;

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