Constructing credit auditing and control & management model with data mining technique

► We collected the data analysis of customer data and payment of basic features such as variables, the application of data mining neural network technology to predict whether the customer regular repayment and default situation. ► Combined with decision tree method to establish the principle of customer credit. ► The experimental results verify the improvement effect of credit so that credit card banks can identify the key factors underlying the rules in order to reduce the type I (business recession) loss cost and type II (default) the loss cost for the bank credit card business.