An Empirical Analysis Of The Classification Of A Bank Lending Customer Group

Bank customers to the bank to apply for a loan, the bank should make a difference between different customer groups to make decisions, the proceeds are also different, so the bank's satisfaction is different. Therefore, banks should establish a suitable credit model to assess the risk of borrowing, to fully understand the type of customer base and its borrowing needs. This paper is the empirical analysis about the fundamentals of a bank credit risk quantitatively, the article basically introduces the application scope,logistic regression model and neural network model assumptions, application conditions,the model of the common classification and hypothesis testing and regression coefficients of Buddhism and the meaning of the model parameter solution. In this paper,the author describes the loan records of 120 thousand customers in a bank, and through the establishment of logistic model and neural network model to observe and find the potential customer groups that meet the requirements of the bank and need loans.From the perspective of statistical analysis, this paper quantitatively analyzes the classification of a bank customer base. The structure of this paper is mainly divided into four parts. The first part is mainly about the content, the purpose and significance of this research and literature review at home and abroad; the second part is about the logistic model theory, this paper introduces the basic principle of logistic model, application scope, classification, application and assumptions, the mathematical model and the parameter estimation and inspection standard, etc. the third part explains the model; is about logistic model, mainly through the modeling of the logistic regression model to explain the practical significance of this case; the fourth part of our modeling process through the introduction of the principle of neural network model and neural network,reveals the specific classification of bank customers in the case. This case is mainly for the bank to communicate with customers from the channel for the phone is more appropriate;The fifth part is the comparison and summary of the two models.