Title :
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
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;
Conference_Titel :
Computer Network and Multimedia Technology, 2009. CNMT 2009. International Symposium on
Conference_Location :
Wuhan
Print_ISBN :
978-1-4244-5272-9
DOI :
10.1109/CNMT.2009.5374630
