Neural Network Application in Credit Rating

摘要：

Credit rating is an evaluation of the likelihood for enterprises to repay their loans and interests. With the development of AI,neural network is widely used in the areas of pattern recognition,credit rating and market forecasting. Thus,on the basis of deeply research on neural network and credit management for enterprises,this thesis builds a credit rating model based on BP neural network for enterprises aiming at the fact nf credit risk management in our country. The rating model can supply more scientific and correct information for financial institutions to do credit rating for enterprises. The research results show that the credit rating model weakens the artificial 1 factors and improves the accuracy and authority of the result. Thus,it adopts to make credit rating and has an extensive application and a bright future.

关键词： Neural Network BP Algorithm Credit Rating System Index

作者: Wang Lu Yu Chao Li Xin

作者单位: Changchun University of Technology,Jilin,China College of Humanities&lnformation Changchun University of Technology,Jilin,China

会议类型: 国际会议

会议名称: 2011 International Conference on Opto-Electronics Engineering and Information Science(2011光电电子工程与信息科学国际会议 ICOEIS 2011)

会议地点: 西安

会议语种:英文

页码: 1323-1325

在线出版日期: 2011-12-23（万方平台首次上网日期，不代表论文的发表时间）