LikeSNU-서울대 중앙도서관 빅데이터 지식 플랫폼

데이터마이닝 기법을 이용한 중년층의 가계부채 연체 가능성 분류 연구

Author

이종희

Journal Title

가정과삶의질연구

Publication Year

2020

Topics

#Data mining
#Household debt

Summary

This study aims to detect middle-aged households at high risk of default using the 2019 Survey of Household Finances and Living Conditions. The performance of a decision tree model was assessed, and the ROSE technique was applied to address data imbalance and improve classification accuracy. The debt-to-asset ratio, type of financial institution, and loan purpose were found to be significant factors influencing default risk.

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