DocumentCode :
3179981
Title :
National student loans credit risk assessment based on GABP algorithm of neural network
Author :
Zhao, Zhenyu ; Zhang, Wei ; Zhou, Yayue
Author_Institution :
Dept. of Law, Ningbo Univ., Ningbo, China
fYear :
2011
fDate :
8-10 Aug. 2011
Firstpage :
2196
Lastpage :
2199
Abstract :
Policy of national student loans accelerates the reform of higher education in China and the process of market mechanism of talents training in a very great degree, and provides the important guarantee for the poor college students. However, at present, high default rate makes commercial bank which provides student loans bear the risk of bad debt, and affects the policy of national student loan to develop smoothly to a certain extent. This paper uses the improved GABP algorithm of neural network to construct national student loans credit risk assessment model by which identify credit risk level. This paper will effectively reduce national student loans credit risk and promote the healthy development policy of national student loan.
Keywords :
backpropagation; banking; credit transactions; educational administrative data processing; further education; genetic algorithms; neural nets; risk management; training; GABP algorithm; bad debt; college students; commercial bank; healthy development policy; higher education; market mechanism; national student loan policy; national student loans credit risk assessment model; neural network; talents training; Accuracy; Educational institutions; Genetic algorithms; Mathematical model; Predictive models; Risk management; Training; Credit risk; GABP; National student loans; Neural network;
fLanguage :
English
Publisher :
ieee
Conference_Titel :
Artificial Intelligence, Management Science and Electronic Commerce (AIMSEC), 2011 2nd International Conference on
Conference_Location :
Deng Leng
Print_ISBN :
978-1-4577-0535-9
Type :
conf
DOI :
10.1109/AIMSEC.2011.6010910
Filename :
6010910
Link To Document :
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