To define the ratio of the dataset for training and testing based on the optimization of BP network system
The neural network has been introduced into the studies of credit risk assessment.However,the ratio of the dataset for training and testing is difficult to determine,so the neural network is not robust enough to give the judgment.Therefore,using the 2000 instances of personal consumer credit data set for approval of credit applications of a provincial-level China Construction Bank,for the BP neural network model,the study focused on the ratio of the dataset for training and testing.The results show that,when the ratio of the dataset for training and testing is 800:1200,the neural network model 2 for credit risk assessment has better performance.And it can achieve the desired accuracy and computational efficiency,so the BP network system for credit risk assessment is optimized.
credit risk assessment BP network
Pu Chuanxin Yang Ting Qin Liping
Northwestern Polytechnical University Xian,China
国际会议
秦皇岛
英文
64-67
2010-11-05（万方平台首次上网日期，不代表论文的发表时间）