基于知识的银行贷款分类系统  

A knowledge-based system for the analysis of the possibility of paying-back loans

作　　者：朱明[1] 杨保安[1] 

机构地区：[1]东华大学计算机系,上海200051

出　　处：《合肥工业大学学报（自然科学版）》2001年第5期913-916,共4页Journal of Hefei University of Technology：Natural Science

基　　金：国家自然科学基金资助项目 ( 79770 0 86 )

摘　　要：文章主要探讨了基于知识的专家系统 ( KBS)在银行贷款分类方面的应用 ,银行信贷人员藉此可以决定在何种情况下批准贷款 ,从而定性地分析了影响贷款的风险程度 ,它与财务分析相互印证、相互补充 ,为贷款分类结果提供充分和必要的依据。文章还讨论了基于知识专家系统的知识库、数据库、推理机、解释器及知识获取This paper describes the development of a knowledge based system (KBS) for determining whether or not, and under what conditions, a bank loan officer should grant a business loan to a company. The prototype system developed focuses on what is the bank loan risk management. The structural analysis of the system decision situation is made, and the structured situation diagram or model, dependency diagram and the document needed by the KBS prototype system are developed. The samples of loan business are tested, and the possibility of paying back loans can be effectively evaluated by the KBS prototype system.

关 键 词：知识系统 专家系统 ES 商业银行 贷款分类 风险 

分 类 号：F830.5[经济管理—金融学] TP182[自动化与计算机技术—控制理论与控制工程]