上市公司作为商业银行的重要贷款客户，完善对其贷款风险评估和风险管理的制度与模式对商业银行有着重要意义。
Listed company as a major commercial bank loan customers, improve its loan risk assessment and risk management system and mode of commercial Banks has important significance.
在决策树理论的指导下，通过信息增益的应用和公式的构造获取属性重要程度评价值，结合决策树挖掘得到个人住房贷款风险评估模型。
Based on the theories of decision tree, this paper gets the importance assessment value among attributes through applying information gain and constructing formula.
贷款复核人员使用公司的贷款风险评估 (Load Risk Evaluation) 门户评估与特定代贷款申请关联的风险，从而帮助作出审批决策。
The loan reviewer uses the company's Loan Risk Evaluation portal to evaluate the risk associated with a specific loan application, which helps in making an approval decision.
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