A novel hybrid data mining framework for credit evaluation

Yatao Yang, Zibin Zheng, Chunzhen Huang, Kunmin Li, Hong Ning Dai*

*Corresponding author for this work

Research output: Chapter in book/report/conference proceedingConference proceedingpeer-review

1 Citation (Scopus)


Internet loan business has received extensive attentions recently. How to provide lenders with accurate credit scoring profiles of borrowers becomes a challenge due to the tremendous amount of loan requests and the limited information of borrowers. However, existing approaches are not suitable to Internet loan business due to the unique features of individual credit data. In this paper, we propose a unified data mining framework consisting of feature transformation, feature selection and hybrid model to solve the above challenges. Extensive experiment results on realistic datasets show that our proposed framework is an effective solution.

Original languageEnglish
Title of host publicationCollaborate Computing: Networking, Applications and Worksharing
Subtitle of host publication12th International Conference, CollaborateCom 2016, Beijing, China, November 10–11, 2016, Proceedings
EditorsShangguang Wang, Ao Zhou
Place of PublicationCham
Number of pages11
ISBN (Electronic)9783319592886
ISBN (Print)9783319592879
Publication statusPublished - 4 Jul 2017
Event2016 12th EAI International Conference on Collaborative Computing: Networking, Applications and Worksharing - Beijing, China
Duration: 12 Nov 201613 Nov 2016
https://link.springer.com/book/10.1007/978-3-319-59288-6 (Conference proceeding)
https://collaboratecom.eai-conferences.org/2016/index.html (Conference website)
https://collaboratecom.eai-conferences.org/2016/media/uploads/Collaboratecom%20Final.pdf (Conference program)

Publication series

NameLecture Notes of the Institute for Computer Sciences, Social-Informatics and Telecommunications Engineering, LNICST
PublisherSpringer Cham
ISSN (Print)1867-8211
ISSN (Electronic)1867-822X


Conference2016 12th EAI International Conference on Collaborative Computing
Internet address

Scopus Subject Areas

  • Computer Networks and Communications

User-Defined Keywords

  • Credit evaluation
  • Data mining
  • Internet finance


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