Credit risk assessment model for individual housing loan based on decision tree

Based on the theories of decision tree, this paper gets the importance assessment value among attributes through applying information gain and constructing formula. Combined with decision tree mining, this paper gets credit risk assessment for individual housing loan, which has highly predictive accuracy when it has been tested and evaluated. This model can be used to help employees of banks to analyze housing loan and can help loan department to make correct credit decision. Meanwhile, the methods using in this paper can be referred to construct other assessment models.