Personal Credit Rating Assessment for the National Student Loans based on Artificial Neural Network
National Student Loans are the use of the financial means to improve the college subsidy policy. State Student Loan is a personal credit loan, but the personal credit assessment system of commercial banks could not make a correct assessment for a college Students credit rating because the students have no records about their credit. To avoid the credit risk,it must to establish a rational credit assessment system for college Students. Artificial neural network can simulate, to some extent, how neural network in human brain deals with, searches and stores information. With its self-learning, self-organizing, adaptive and nonlinear dynamic handling characteristics, a Back Propagatio neural network was developed to evaluate the credit rating about a college student 16 samples was used for network training and testing by MATLAB. The maximum value of the error between the prediction value of the network and actual value is only 2.92％. Simulation results demonstrate that the algorithm developed is fairly efficient for the assessment about the college students personal credit situation.
National Student Loans credit rating college student BP neural network assessment system
Xiao_ jie Zhang Jian Hu
School of Economy Shandong University of Technology, Zibo, China School of Electrical and Electronic Engineering Shandong University of Technology Zibo, China
国际会议
北京
英文
53-56
2009-07-24（万方平台首次上网日期，不代表论文的发表时间）