The Classifier Based On Internet Credit Data

The core issue of the P2P loan is how to correctly and effectively help borrowers find money and help the lenders for risk control. Along with the wave of big data, the number and the dimension of the user data are growing rapidly. So how to improve efficiency has become an important issue.But we can solve this problem through the classification method which is the main area in the data mining program.From where we stand,we have achieved a lot of suc-cesses in the research of classification theory.But the application of theory into Personal credit scoring is under development.This paper sums the application of different clas-sifiers in the personal credit scoring model which we have achieved and compares the applicability of different classifiers in the personal credit scoring model. We put forward a new idea of applying threshold logistic model to personal credit scoring model.Final by simulation examples,we come to the conclusion that the threshold logistic model is superior to other models.