Research on Customer Credit Scoring Model Based on Bank Credit Card

  • Maoguang Wang
  • Hang YangEmail author
Conference paper
Part of the IFIP Advances in Information and Communication Technology book series (IFIPAICT, volume 581)


With the development of China’s economy, especially the maturity of the market economy, credit is important to the society and individuals. At present, credit system is mainly divided into two parts. Enterprise credit system is an important part of social credit system. But at the same time, as the foundation of social credit system, the establishment of the personal credit system is of great significance to reduce the cost of collecting information and improve the efficiency of loan processing. At the bank level, this paper discretizes the credit card data of a bank, selects the features by calculating Weight of Evidence and Information Value, and information divergence, then uses Logistic Regression to predict. Finally, the results of the Logistic Regression are transformed into visualized credit scores to establish a credit scoring model. It is verified that this model has a good prediction effect.


Personal credit system Information Value Information divergence Logistic Regression 


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Copyright information

© IFIP International Federation for Information Processing 2020

Authors and Affiliations

  1. 1.School of InformationCentral University of Finance and EconomicsBeijingChina

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