PSO-BP 模型在高校学生个人信用评价中的应用

近年来,信用问题己成为全社会共同关注的一个重要话题。通过建立高校学生个人信用评价体系来引导和督促学生重视个人信用记录、改善个人信用行为、推动高校助学贷款、就业等各项工作的开展是非常必要的。采用PSO-BP算法建立模型,对BP算法进行优化,克服了BP神经网络收敛速度慢、易陷入局部极小、初始值难以确定等固有缺陷。通过在Matlab环境下进行仿真,结果表明,PSO-BP加快了BP的收敛速度,提高了BP的泛化能力,PSO-BP模型的训练效果明显优于BP模型,在高校学生个人信用评价币具有一定的实践意义。     

主成份分析法在银行个人信用评价中的应用

在建立银行个人信用评价模型时,各个信用评价指标间往往是相关的,各指标对于信用结果影响的程度也是不一样的。本文利用主成份分析法对个人信用评价中的各个指标进行综合分析,选取了最重要的指标,剔除次要指标,从而实现了个人信用评价模型的指标优化。     

基于GA-CFS属性选择的个人信用评估模型

属性选择可以有效减少数据的冗余度和降低数据的维度,将GA-CFS属性选择方法引入个人信用评估中,利用CFS评价得到的启发式"价值"作为GA的适应度函数来对个人信用指标体系优化,建立了基于GA-CFS属性选择的个人信用评估模型.在Australian数据集上比较了ID3、NB、Logistic、SMO与GA-CFS属性选...     

基于朴素贝叶斯分类器的个人信用评估模型

个人信用评估是金融与银行界研究的重要内容。论文研究了三种朴素贝叶斯分类器信用评估模型的精度。在两个真实数据集上用10层交叉验证对朴素贝叶斯信用评估模型进行了测试,并与五种DavidWest的神经网络个人信用评估模型进行了对比。结果表明朴素贝叶斯分类器具有较低的分类误差,在信用评估中有优势。     

基于模糊逻辑的信用评判模型

为了解决个人对个人(C2C)交易平台信用评价体系不能正确识别信用炒作行为导致交易数据不能真实反映卖方信用的问题,设计了一种基于模糊逻辑的可信度评判模型.该模型为信用影响因素建立论域以及论域上的模糊集,通过隶属度函数对各个时段交易进行模糊评价,得到信用可信度评判结果.实例数据分析表明:该模型完善了信用评价系统,为用户的交易决策提供了较可靠的评判依据,降低了交易中的信用风险.     

基于计算机大数据技术的贷款及贷记卡信用研究

随着国内经济的发展,贷款作为周转资金紧张、扩大产业规模的有效方式正呈现高速发展的状态,但由于用户群体的规模较大,贷款的种类较多,传统的信用评价体系很难满足当前经济发展的需要.本文利用能进行大规模并行处理以及多重分析的计算机大数据技术重建了信用评价模型,并且结合具体案例进行了分析验证.     

基于神经网络的高校学生信用模糊评价研究

本文为更有效地对高校学生信用进行综合评价，建立了高校学生信用评价多级指标体系，提出了一种基于神经网络的评价模型。模型将模糊理论引入神经网络，通过神经网络的学习训练来调整模糊数学中的相应参数，以有效地模拟模糊综合评价的过程，对信用评价的定性过程而言，具有一定的合理性。     

基于AHP法的智能手机用户消费等级研究

为了区分不同的电信用户群体,使推送信息有针对性地满足不同用户的需求,文中提出了推测电信用户消费等级值的观点.对电信用户的业务属性、欠费属性、位置信息和手机信息等因素进行了多维的综合评价.介绍了AHP法的主要步骤、判断矩阵的建立和一致性检验.根据用户特性抽取了相关信息,确定影响用户消费等级的因素次序,通过AHP法建立了电信用户消费等级评价模型,并利用最大特征根法计算出层次价值指标的权重,得出了最终计算公式.最后通过实例计算,验证了该模型的有效性     

基于支持向量机的企业信用评估模型

一、简介 企业在经济活动中,信用是至关重要的.在当今的市场经济环境中,信用主要分为企业信用和个人信用两种,其中以企业信用为核心.但目前我国的企业信用体系还没有建立起来,企业信用体系的缺位,成为企业做大做强的一大障碍,也成为中国经济发展的巨大阻力.因此建立企业信用评估体系是一项非常迫切的任务.     

数据挖掘技术在个人信用评估模型中的应用

为了能够及时、恰当地进行个人信用评估分析,加快信用卡发卡机构的决策速度,介绍了数据挖掘技术在信用卡公司对用户评估中的应用,对比分析了数理统计模型、分类-聚类个人信用评估模型等几种个人信用评估模型建模方法的优缺点。建立了一种决策树-神经网络个人信用评估模型,针对该模型提出了一种近邻聚类算法。该算法不需要事先给定聚类的类别数,可以进行无监督学习。通过对比分析可知,该算法在个人信用评估应用中可以得到较理想的结果。     

Self Test: a flexible self assessment package for distance and other learners

In this paper we present a new flexible self assessment package called Self Test. This package has been designed primarily for distance students to assess their readiness or mastery of particular topics. It differs from other packages in that it allows a student to self-grade a series of questions as if they were an expert evaluator giving the student the flexibility to complete a problem in up to six different ways and to be awarded partial credit. Results of the evaluation of the package over two years with groups of engineering students studying mathematics are presented, and indicate that the package is efficient and effective. The applicability of the package for all subject areas is discussed.     

基于贝叶斯网络模型的高校贫困生预测实证分析

贝叶斯网络通过确定变量结点网络结构和参数学习来进行网络模型的概率推理,在样本数据不是过大的条件下能得到较精确的预测结果.从高校统一标准化的各数据平台中选取学生行为数据作为训练样本构建贝叶斯网络并进行参数学习得到推理模型,进而对高校学生的贫困程度进行预测,可以得出预测结果与实际样本对比没有显著差异,实现用数据分析精确判定高校学生的贫困程度水平.     

A framework for the computerized assessment of university student essays

This paper presents an approach for automatic grading of essays. Student essays are compared against a model or key essay provided by the teacher. The similarity between a student essay and the model essay is measured by the cosine of their contained angle in an n-dimensional semantic space. The model essay is preprocessed by removing stopwords, extracting keywords, assigning weights to keywords to reflect their importance and finally by linking every keyword to a subject-oriented synonym list. The student essay, by comparison, is preprocessed by removing stopwords and then by extracting keywords. The keywords extracted from the model essay and the keywords extracted from students essays together with weights provided by teacher are used to build feature vectors for teacher and students essays. The obtained grade depends on the similarity between these vectors (calculated by using the cosine formula). A simulator was implemented to test the viability of the proposed approach. It was fed with student essays (at the university level) gathered from database management course over three semesters. The results were very encouraging and the agreement between the auto-grader and human grader was as good as the agreement between human graders.     

论校园安全网络下构建高校和谐师生关系

随着和谐社会理论的提出,构建高校和谐师生关系成为了我国建设和谐社会主义社会的重要基础。高校作为培养高素质、高技能人才的重要场所,也是促进学生个性化、全面性发展的关键所在。因此,在高等院校构建和谐的师生关系,建立安全的网络环境,不仅能够增加师生间的互动,同时能够建立和健全师生之间的对话机制,有利于高校教育工作的发展。本文就高校网络安全下和谐师生关系构建意义进行简要分析,并提出构建和谐师生关系的路径。     

BOOK REVIEWS

With the continuing trend in online university course offerings, there is a corresponding need for academic librarians to support students in those digital spaces. We developed a sustainable model for embedding librarians to provide research support in online courses, and then investigated its impact on student learning outcomes and student and faculty perceptions of our efforts. This article outlines our model, includes survey feedback from students, and presents user data from our course management system to discuss how well we are meeting our objectives and how this evidence can inform our embedded librarian service going forward.     

应用型本科人才培养中程序类课程教学模式改革

为培养应用型本科人才,针对当前计算机专业程序类课程的特点和教学模式的不足,提出理论与实践混合式教学模式。该模式通过边讲边练、层次教学、项目驱动教学、开放网络教学等改革教学方式,并以学生评价交流反馈机制和能力主导的学生考核制度为综合考核方式。实践表明,该模式对提高学生的分析问题、解决问题、创新能力有显著效果。     

Addressing the assessment challenge with an online system that tutors as it assesses

Secondary teachers across the United States are being asked to use formative assessment data (Black and Wiliam 1998a,b; Roediger and Karpicke 2006) to inform their classroom instruction. At the same time, critics of US government’s No Child Left Behind legislation are calling the bill “No Child Left Untested”. Among other things, critics point out that every hour spent assessing students is an hour lost from instruction. But, does it have to be? What if we better integrated assessment into classroom instruction and allowed students to learn during the test? We developed an approach that provides immediate tutoring on practice assessment items that students cannot solve on their own. Our hypothesis is that we can achieve more accurate assessment by not only using data on whether students get test items right or wrong, but by also using data on the effort required for students to solve a test item with instructional assistance. We have integrated assistance and assessment in the ASSISTment system. The system helps teachers make better use of their time by offering instruction to students while providing a more detailed evaluation of student abilities to the teachers, which is impossible under current approaches. Our approach for assessing student math proficiency is to use data that our system collects through its interactions with students to estimate their performance on an end-of-year high stakes state test. Our results show that we can do a reliably better job predicting student end-of-year exam scores by leveraging the interaction data, and the model based on only the interaction information makes better predictions than the traditional assessment model that uses only information about correctness on the test items.     

高校大类招生培养模式下的教务管理系统设计

针对大类招生培养模式给高校教务管理工作带来的问题,对基于学分制的教务管理系统的设计进行了改进。重点描述了基于大类招生的专业信息、学籍信息、课程信息等方面的数据库设计,并介绍了基于上述设计的学籍信息管理、教学计划制定、课程成绩分类认定等业务功能的实现方法。实际运行结果表明,改进后的设计很好地满足了大类招生培养模式和普通专业培养模式相混合的教务管理需求,所设计的系统具有良好的灵活性和可扩展性。