| 人工神经网络在大学生个人信用评价中的应用 |
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| 引用本文： | 刘丽娜,胡健.人工神经网络在大学生个人信用评价中的应用[J].山东理工大学学报,2008,22(5):77-80. |
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| 作者姓名： | 刘丽娜 胡健 |
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| 作者单位： | 山东理工大学电气与电子工程学院,山东淄博255049 |
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| 摘 要： | 建立合理的大学生个人信用评价方法是规避信用风险、顺利实施国家助学贷款的一项重要工作。利用神经网络具有自学习、自组织、自适应和非线性动态处理等特性，将三层BP神经网纠应用于大学生个人信用评价，使用MATLAB软件对16个样本进行网络训练与测试，模型输出与目标输出的最大误差只有2.92％，仿真结果表明应用BP神经网络进行大学生个人信用评价是行之有效的。
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| 关 键 词： | 国家助学贷款 BP神经网络 信用评价 仿真 |
Application of artificial neural network on the evaluation of college student's personal credit |
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| LIU Li-na,HU Jian.Application of artificial neural network on the evaluation of college student's personal credit[J].Journal of Shandong University of Technology:Science and Technology,2008,22(5):77-80. |
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| Authors: | LIU Li-na HU Jian |
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| Institution: | LIU Li-na,HU Jian(School of Electrify , Electronic,Sh,ong University of Technology,Zibo 255049,China) |
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| Abstract: | To avoid the credit risk,it must to establish a rational credit evaluation methodology for college Students.With the self-learning,self-organizing,adaptive and nonlinear dynamic handling characteristics of the BP neural networks,it can be used to evaluate the credit situation about a college student.16 samples are used for network training and testing by MATLAB.The maximum value of the error between the model output and target output is only 2.92%.Simulation results demonstrate that the algorithm developed ... |
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| Keywords: | state student loan BP neural network credit evaluation simulation |
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