Data mining is the process of abstracting unaware , potential and useful information and knowledge from plentiful , incomplete , noisy , fuzzy and stochastic data , which is deemed to one of a foreland of data mining system and a promising cross - subject . cluster analysis is one of the most important research domains of data mining 数据挖掘是从大量的、不完全的、有噪声的、模糊的、随机的数据中，提取隐含在其中的、人们事先不知道的、但又是潜在有用的信息和知识的过程，被信息产业界认为是数据库系统最重要的前沿之一，是信息产业最有前途的交叉学科。
Data mining is defined as the nontrivial extraction of implicit , previously unknown , and potentially useful information from data or known as knowledge - discovery in databases ( kdd ) . to do this , data mining uses computational techniques from statistics , machine learning and pattern recognition such as discriminate analysis , regression method , mathematical programming , decision tree , k - nearest neighbor , artificial neural network etc . although many positive attempts are done , the development and application of personal credit assessment model in chinese bank industry is still in its infancy 数据挖掘是20世纪90年代后期人工智能和数据库领域兴起的一种数据处理和知识发现( kdd )理论,是从大量的、不完全的、有噪声的、模糊的和随机的实际应用数据中,提取隐含在其中的信息和知识的过程。对数据进行分类和预测是数据挖掘的主要功能。数据挖掘用于信用评估的优势主要在于: ( 1 )能处理和修正实际数据问题,算法模型具有自检
