混合专家系统模型和贷款风险分类  

Hybrid Expertise System Model and Classification of Loans Risks

作　　者：朱明[1] 杨保安[1] 

机构地区：[1]东华大学信息科学与技术学院,上海200051

出　　处：《东华大学学报（自然科学版）》2001年第4期44-47,共4页Journal of Donghua University(Natural Science)

基　　金：国家自然科学基金赞助 (批准号 79770 0 86)

摘　　要：主要探讨了混合专家系统结构 ,该结构充分利用了符号机制和神经网络各自的优点 ,使它们优势互补。并把该系统应用在银行贷款分类方面 ,帮助信贷人员决定在何种情况下批准贷款 ,为贷款分类结果提供充分和必要的依据 ,减少贷款风险。The use of neural networks (NN) is a novel approach that can help in taking decisions when integrated in a more general system,in particular with expert system (ES). In this paper,a hybrid intelligent system based on neural networks and expert system is described for classification of loan risks. A set of desirable properties for the classification of loan risks is fed into the system. So user can determine whether or not,and under what conditions,a bank loan officer should grant a business loan to a company.

关 键 词：混合专家系统 神经网络 贷款风险分类 银行 

分 类 号：F830.5[经济管理—金融学] TP18[自动化与计算机技术—控制理论与控制工程]