| RS-ANN在消费信贷个人信用评估中的实证研究 |
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| 引用本文： | 肖智,李文娟.RS-ANN在消费信贷个人信用评估中的实证研究[J].软科学,2011,25(4):141-144. |
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| 作者姓名： | 肖智 李文娟 |
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| 作者单位： | 重庆大学经济与工商管理学院,重庆,400044 |
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| 摘 要： | 针对神经网络个人信用评估方法训练时间长和网络结构较复杂的缺点,提出基于粗糙集和神经网络的个人信用评估模型。通过对比实验,结果表明RS-ANN模型在个人信用评估中表现出了较优的预测效果;并对如何改进消费信贷中个人信用评估工作提出了一些建议。
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| 关 键 词： | 粗糙集 预测正确率 神经网络 信用评估 |
Empirical Research on Consumer Credit Assessment Based on RS-ANN |
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| XIAO Zhi,LI Wen-juan.Empirical Research on Consumer Credit Assessment Based on RS-ANN[J].Soft Science,2011,25(4):141-144. |
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| Authors: | XIAO Zhi LI Wen-juan |
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| Institution: | XIAO Zhi,LI Wen-juan(College of Economics and Business Administration,Chongqing University,Chongqing 400044) |
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| Abstract: | In this paper,a new consumer credit assessment model on the basis of rough sets and artificial neural network is presented to solve the problem of long training time and complex structure,which exist in scoring model only based on artificial neural network.Experimental results show that the consumer credit assessment model suggested in this paper has a good performance.It makes some suggestions for improving credit assessment. |
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| Keywords: | rough sets forecasting accuracy artificial neural network credit assessment |
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