Bayesian network consumer credit scoring models based on minimum overall risk rule
最小总风险准则的贝叶斯网络个人信用评估模型*

This paper integrated MOR(minimum overall risk rule) into Bayesian network classifiers, and proposed new credit scoring models. According to MOR, they were tested using 10-fold cross validation with two real world data sets, and compared with Bayesian network classifier based on MPE. Results demonstrate that the Bayesian network classifiers based on MOR are able to reduce effectively the credit scoring risk.