Assessing loan risks: a data mining case study

Assessing loan risks: a data mining case study

The USDA's (US Department of Agriculture) Rural Housing Service administers a loan program that lends or guarantees mortgage loans to people living in rural areas. To administer these nearly 600000 loans, the department maintains extensive information about each one in its data warehouse. As wi...

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Veröffentlicht in:IT professional 1999-11, Vol.1 (6), p.16-21
1. Verfasser: Gerritsen, R.
Format: Artikel
Sprache:eng
Schlagworte:
Accuracy
Algorithms
Classification
Clustering
Commercial credit
Communication industry
Computer aided software engineering
Data mining
Data models
Data warehouses
Data warehousing
Decision trees
Information technology
Loans
Loans and mortgages
Marketing
Neural networks
Ores
Predictive models
Risk
Rural areas
Rural housing
Tail
Taxonomy
US Department of Agriculture
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Beschreibung
Zusammenfassung:The USDA's (US Department of Agriculture) Rural Housing Service administers a loan program that lends or guarantees mortgage loans to people living in rural areas. To administer these nearly 600000 loans, the department maintains extensive information about each one in its data warehouse. As with most lending programs, some USDA loans perform better than others. Basic data mining techniques helped the USDA's Rural Housing Service better understand and classify problem loans.
ISSN:1520-9202
1941-045X
DOI:10.1109/6294.806743