A bank customer credit evaluation based on the decision tree and the simulated annealing algorithm

Abstract

C4.5 is a learning algorithm that adopts local search strategy, and it cannot obtain the best decision rules. On the other hand, the simulated annealing algorithm is a globally optimized algorithm and it avoids the drawbacks of C4.5. This paper proposes a new credit evaluation method based on decision tree and simulated annealing algorithm. The experimental results demonstrate that the proposed method is effective. © 2008 IEEE