基于新型模糊神经网络的信用卡审批发卡的信用评估模型研究  

Research on Credit Evaluation Model of Credit Card Approval Based on the New Fuzzy Neural Network

作　　者：梁晓雯[1] 

机构地区：[1]中国银行股份有限公司福州市鼓楼支行,福建福州350001

出　　处：《福建商业高等专科学校学报》2009年第6期26-31,108,共7页Journal of Fujian Commercial College

摘　　要：本文尝试首次将新型模糊神经网络的模型引入到信用卡审批发卡的信用评估环节,采用更加快捷的全局搜索优化算法——粒子群优化算法,从模型和优化方法上进行创新,利用某银行信用卡申请的相关数据资料,就信用卡审批发卡环节,建立起信用卡风险防范的第一道防线——新型模糊神经网络的信用卡审批发卡的信用评估模型,通过对数据的预处理、数据训练和结果分析,并与现有的信用卡审批发卡的信用评估模型进行比较,显示了新模型和优化方法的优越性和实用性。This paper introduces a new fuzzy neural network into the credit evaluation field in the credit card approval process for the first time.A more efficient global searching algorithm-Particle Swarm Optimization(PSO) is applied for model optimization.The related data of bank s credit card application help construct the first defense line of credit card risk prevention,which is credit evaluation model of credit card approval based on the new fuzzy neural network. The model has the function in data preprocessing...

关 键 词：模糊神经网络 粒子群优化 信用卡审批 信用评估模型 

分 类 号：F832.2[经济管理—金融学]