Abstract: In this study, the clients who applied to a bank branch for loan were analyzed through data mining. The study was composed of the information such as amounts of loans received by personal and SME clients working with the bank branch, installment numbers, number of delays in loan installments, payments available in other banks and number of banks to which they are in debt between 2010 and 2013. The client risk profile was examined through Classification and Regression Tree (CART) analysis, one of the decision tree classification methods. At the end of the study, 5 different types of customers have been determined on the decision tree. The classification of these types of customers has been created with the rating of those posing a risk for the bank branch and the customers have been classified according to the risk ratings.
Abstract: Studies on the distribution of traffic demands have
been proceeding by providing traffic information for reducing
greenhouse gases and reinforcing the road's competitiveness in the
transport section, however, since it is preferentially required the
extensive studies on the driver's behavior changing routes and its
influence factors, this study has been developed a discriminant model
for changing routes considering driving conditions including traffic
conditions of roads and driver's preferences for information media. It
is divided into three groups depending on driving conditions in group
classification with the CART analysis, which is statistically
meaningful. And the extent that driving conditions and preferred
media affect a route change is examined through a discriminant
analysis, and it is developed a discriminant model equation to predict a
route change. As a result of building the discriminant model equation,
it is shown that driving conditions affect a route change much more,
the entire discriminant hit ratio is derived as 64.2%, and this
discriminant equation shows high discriminant ability more than a
certain degree.