User Payment Credit Risk Assessment Study Based On Data Mining

With the increasing acceptance of credit,the question of customer payment credit has already been paid attention to more and more by government and corporation. As a new application area, the study of credit ratings has not become mature yet. Many of problems need continued study.The study of credit risk evaluation methods in Banking and Securities industry has been mature, but the study of customer payment credit is relative backward industry. In such case, we conducted a study to customer payment credit risk evaluation methods.This paper design data mining model of customer payment credit risk evaluation, and address the problems of low efficiency and poor reusability. As a whole, the model of data mining system includes four parts: the lateral general knowledge structure of data mining; the inferential control support environment of data mining algorithm deployment construction; the platform of data mining management; the component libraries of data mining algorithm. The component libraries of data mining algorithm are designed independently. Depending on study of the inferential control support environment of data mining algorithm deployment construction, we can obtain the data mining algorithm deployment model. The paper proposes the mechanism achieve data mining algorithm router configuration for data mining algorithm dynamic scheduling.The inferential control support environment of data mining algorithm deployment construction is designed. The design of knowledge base and inference engine is a key problem. On the one hand, based on the requirement of studying data mining algorithm deployment , this paper designs data mining algorithm configuration construction knowledge presentation model, and completes the reasoning and interpretation of data mining algorithm paths. On the other hand, the design of inference engine follows the restriction of data description and task description. It achieves practicable data mining plan set by means of compatible arithmetic and repellent arithmetic.Customer payment credit risk evaluation system in public service field appraise the quality from point of view of operation and application. It find customer bad credit behavior pattern base on the customer information of electricity charges business, in order to provide consult and reference for building a credit warning mechanism in corporation.