基于BP的企业还款能力分析  

Analysis of the Ability of Paying Back Loans for Enterprises Based on BP Neural Network

作　　者：朱明[1] 杨保安[1] 

机构地区：[1]东华大学计算机科学与工程系,上海200051

出　　处：《系统工程理论方法应用》2001年第2期125-127,共3页Systems Engineering Theory·Methodology·Applications

基　　金：国家自然科学基金资助项目! (79770 0 86)

摘　　要：提出了基于 BP神经网络的企业还款能力分析方法。讨论了财务指标的预处理问题、网络隐含层神经元数选取问题、网络连接权值的初值选取问题等 ,并将之实际应用到还款能力的财务分析中 ,取得了较满意的结果。The paper mainly discusses the analysis method of the paying back loans by using the financial factor for enterprises based on BP neural network. In the paper the BP model is described and established for analysis of paying loans. In BP model design, the pre-processing of the input layer and return-to-one process is also considered. The experimental result is shown, it seems to be good and satisfactory. The paper indicates to utilize BP model is a good method and tool to support evaluation for analysis of the ability of paying the loans.

关 键 词：人工神经网络 贷款风险分类 还款能力 风险管理 金融危机 财务分析 企业 

分 类 号：F830.5[经济管理—金融学] TP183[自动化与计算机技术—控制理论与控制工程]