| 人工神经网络在个人住房贷款信用评价中的应用 |
| |
| 引用本文： | 傅秀文,郑明春.人工神经网络在个人住房贷款信用评价中的应用[J].网络安全技术与应用,2010(12):45-47. |
| |
| 作者姓名： | 傅秀文 郑明春 |
| |
| 作者单位： | 山东师范大学管理与经济学院,山东250014 |
| |
| 摘 要： | 个人住房贷款在商业银行的业务中属于高风险的一种,因此,对贷款申请人进行信用评价极为重要。本文运用matlab软件,把人工神经网络与信用评价系统结合起来,贷款申请人的各项指标作为输入值,信用度为输出值,为科学评价个人信用提供了依据。
|
| 关 键 词： | 人工神经网络 个人住房贷款 信用评价 |
Appliance of Artificial Neural Networks in Credit Evaluation of Individual Housing Loans |
| |
| Fu Xiuwen,Zheng Mingchun.Appliance of Artificial Neural Networks in Credit Evaluation of Individual Housing Loans[J].Net Security Technologies and Application,2010(12):45-47. |
| |
| Authors: | Fu Xiuwen Zheng Mingchun |
| |
| Affiliation: | Department of Management and Economics,Shandong Normal University,Shandong,250014,China |
| |
| Abstract: | Individual housing loan is a service of high risk provided by commercial banks,as a result,the evaluation of the loan applicant＇s credit is of great significance.This paper combines Artificial Neural Networks with personal credit system through matlab,using loan applicant＇s index as inputs,the degree of credit as outputs,and this method provides supports for evaluating personal credit scientifically. |
| |
| Keywords: | Artificial Neural Networks Individual Housing Loans Credit Evaluation |
| 本文献已被 维普 万方数据 等数据库收录！ |
|
