Decision tree for credit scoring and discovery of significant features: An empirical analysis based on Chinese microfinance for farmers

Chi, Guotai; Zhang, Zhipeng

doi:10.2298/fil1805513z

Cited by 9 publications

(2 citation statements)

References 26 publications

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“…Jiang et al [13] used the SBS method to screen P2P platform users' reputation evaluation indicators. Zhang et al [14] used, CHAID, C5.0, and CART, three decision tree models to screen farmers' reputation evaluation indicators. Li et al [15] extracted key indicators affecting personal credit using the Sparse Bayesian model.…”

Section: Research On Selection Methods Of Reputation Evaluationmentioning

confidence: 99%

“Dimension Reduction: Feature Subset” Method for Selecting the Best Index Combination in Reputation Evaluation of Crowdsourcing Participants

Huang

Zheng

Wei

2022

Mobile Information Systems

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An effective reputation evaluation mechanism is an essential guarantee for the crowdsourcing mode's healthy, orderly, and rapid development. Aiming at the problems of unsound reputation evaluation mechanism, single reputation evaluation index, and poor discrimination ability of crowdsourcing platforms a “dimension reduction feature subset” method for selecting the best reputation evaluation index combination of crowdsourcing participants is proposed. This method first selects the best dimensionality reduction method by empirical method, then uses the classifier as the evaluation function of feature selection, and uses the sequential backward selection strategy (SBS) to select the feature subset and reputation evaluation algorithm with the best classification performance. The experimental results show that the reputation evaluation method of crowdsourcing participants based on ReliefF-SVM has the best performance in terms of accuracy, F1 measure, and stability and can select a comprehensive, objective, and effective evaluation index combination to distinguish the reputation status of crowdsourcing participants.

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Section: Research On Selection Methods Of Reputation Evaluationmentioning

confidence: 99%

“Dimension Reduction: Feature Subset” Method for Selecting the Best Index Combination in Reputation Evaluation of Crowdsourcing Participants

Huang

Zheng

Wei

2022

Mobile Information Systems

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“…Suppose the knowledge obtained by machine learning is applied to the information system of colleges and universities. In that case, the original system will become smarter and help us make better decisions or find more problems so as to improve the quality of education [4][5][6]. To this end, the classic algorithm of machine learning -the decision tree algorithm is applied to the current children's education platform to discover the potential information and rules of the data, to find the key factors affecting the quality of teaching and learning, so as to improve the children's education and teaching management level and teacher ethics.…”

Section: Introductionmentioning

confidence: 99%

A Perspective on the Current Situation of Children’s Education and Teachers’ Moral Cultivation Combined with Decision Tree Algorithm

2024

Applied Mathematics and Nonlinear Sciences

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The enhancement of children’s education quality necessitates a high level of teacher moral literacy. This paper employs data mining techniques to elaborate on the Classification and Regression Tree (CART) model within logistic regression and decision tree algorithms. Data pertinent to elementary school education were collected via questionnaires, followed by data cleaning and segmentation. The parameters of the CART model were optimized using a Bayesian algorithm, and its efficacy was validated through a dataset to support the exploration of factors influencing the developmental level of children’s education. Additionally, data regarding teachers’ moral literacy were gathered and analyzed using binary logistic regression within the logistic regression framework. The analysis revealed that the accuracy of the CART decision tree model reached 90%, with the error converging to zero at 50 trees. Key determinants such as willpower and communication abilities in children’s education were influenced by exercise duration, time spent in interest classes, gender, and parents’ educational levels. The mean score for teachers’ moral literacy was 4.349±0.465. Notably, teachers with low salary satisfaction exhibited a moral literacy level that was only 0.517 times that of their counterparts with high salary satisfaction. Establishing a scientifically sound and reasonable salary management system is crucial. Such a system can ignite teachers’ enthusiasm for teaching, substantially enhancing their moral literacy, which in turn positively impacts the level of children’s educational development.

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Development and Research of Intellectual Algorithms in Taxi Service Data Processing Based on Machine Learning and Modified K-means Method

Andriyanov

Dementiev

Tashlinskiy

2022

Intelligent Decision Technologies

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Decision tree for credit scoring and discovery of significant features: An empirical analysis based on Chinese microfinance for farmers

Cited by 9 publications

References 26 publications

“Dimension Reduction: Feature Subset” Method for Selecting the Best Index Combination in Reputation Evaluation of Crowdsourcing Participants

“Dimension Reduction: Feature Subset” Method for Selecting the Best Index Combination in Reputation Evaluation of Crowdsourcing Participants

A Perspective on the Current Situation of Children’s Education and Teachers’ Moral Cultivation Combined with Decision Tree Algorithm

Development and Research of Intellectual Algorithms in Taxi Service Data Processing Based on Machine Learning and Modified K-means Method

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