Research on Bank Personal Credit Evaluation Based on Decision Tree Model

With the rapid development and globalization of the economy, this article investigates the effectiveness of decision tree model for banks’ decision making in granting personal credit loans, unlike the previous traditional bank credit analysis model. By collecting user data of lenders and analyzing it through decision tree model, this paper finds that decision tree model can effectively process user information and analyze it, thus increasing prediction accuracy and reducing risk, and finally helping banks to make decisions.