Application of the Genetic Algorithm in the process of the distributing credit card

This paper introduces the zero risks of the distribution of the credit card in the bank system. We pay attention to the importance of the Genetic Algorithm´s application in the financial institution´s supervisory department, which is to build an institution of the supervisory for the credit card and evaluate risk of the application of the credit card. This process will have great influence in the success of the application. Therefore, it is an important tool for the expertise to make the final decision. Besides, we also make contrast with other classification system, and the result shows that this method has better performance.