共查询到18条相似文献,搜索用时 140 毫秒
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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。 相似文献
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主成份分析法在银行个人信用评价中的应用 总被引:1,自引:0,他引:1
郭小燕 《计算机与信息技术》2009,(5)
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。 相似文献
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基于GA-CFS属性选择的个人信用评估模型 总被引:1,自引:0,他引:1
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... 相似文献
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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。 相似文献
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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. 相似文献
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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 相似文献
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随着互联网的发展,基于用户信用的在线服务产品也越来越多地应用到各个领域.在这些信用数据中,除了传统的信贷数据,还包含用户网上消费数据等,因此如何利用这些数据来评估用户的信用等级是一个亟待解决的重要问题.之前的方法主要是基于信贷领域属性的研究,缺乏在互联网领域的研究,并且这些方法很少考虑用户的不同属性对其信用的不同的重要程度.因此,为了解决这些问题,提出一个基于层级注意力机制用户信用评估模型框架(HAM-UCE),模型首先构建用户信用画像,然后利用层级注意力机制在多个注意力层逐步获取更重要的用户属性特征,实现对用户信用等级的评估.实验结果表明该方法能够有效地实现对用户信用进行等级评估,能够比基准算法取得更好的性能. 相似文献
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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. 相似文献
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《Computers & Education》1998,31(3):319-328
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. 相似文献
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《Computers in human behavior》2006,22(3):381-388
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. 相似文献
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石友进 《网络安全技术与应用》2014,(2):163-163,165
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。 相似文献
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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. 相似文献
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Mingyu Feng Neil Heffernan Kenneth Koedinger 《User Modeling and User-Adapted Interaction》2009,19(3):243-266
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. 相似文献
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罗利琴 《自动化技术与应用》2021,40(2):174-177
学工管理系统是落实学工管理工作、为学工提供高效服务的重要手段.本次研究基于高校学工管理工作需求和相关成熟技术设计了一套基于SSH的高校学生学工管理系统,详细介绍了该系统的设计方案,旨在提高高校学工管理工作效率. 相似文献