A Study on Neural Network Method for Personal Credit Evaluation

Author

Ren, Hui ; He, Yujing ; Chang, Ning

Author_Institution

Dept. of Force Manage., Chinese People´´s Armed Police Force Acad., Langfang, China

fYear

2009

fDate

18-20 Jan. 2009

Firstpage

1

Lastpage

4

Abstract

This paper analyses the neural network method for personal credit evaluation. Firstly, it introduces personal credit evaluation and its research. Secondly, it analyses the characteristics of two types of commonly used methods for personal credit evaluation. Then it introduces the structure and characteristics of artificial neural network and puts forward 10 indicators for personal credit evaluation. On this basis, it designs Elman neural network and tries to use this network to evaluate personal credit. According to the results of experimental verification, this personal credit evaluation algorithm shows a high accuracy for the evaluation of personal credit.

Keywords

credit transactions; neural nets; Elman neural network; artificial neural network; personal credit evaluation; Artificial intelligence; Artificial neural networks; Biological neural networks; Classification tree analysis; Credit cards; Genetic algorithms; Logistics; Neural networks; Operations research; Statistical analysis;

fLanguage

English

Publisher

ieee

Conference_Titel

Computer Network and Multimedia Technology, 2009. CNMT 2009. International Symposium on

Conference_Location

Wuhan

Print_ISBN

978-1-4244-5272-9

Type

conf

DOI

10.1109/CNMT.2009.5374630

Filename

5374630