Exploratory Data Analysis of Bank's Credit Decision-making ⋆

In this paper, we systematically discuss the financial characteristics of the companies that get the loans from the bank under different financial ecological environments with Exploratory Data Analysis. Based on our prior work which introduced the designed Exploratory Data Analysis integrating visualization, outliers processing and Principal Component Analysis et al. [1], we get that, the bank pays more attention to the company’s solvency in credit decision under different financial ecological environments. Moreover, the company’s cash flow is more important for the bank in bad financial ecological environment, while the company’s growth potential in good financial ecological environment. This study presents a novel schema for accounting data analysis with Exploratory Data Analysis in a systematical way. The result is useful for the bank to get better credit decision with less risk. It also illustrates that it is necessary for the government to build better financial ecological environment to develop the economy.