PSO-BP信用评价模型:基于网络行为信息视角  

PSO-BP credit evaluation model based on network behavior information

作　　者：徐晓敏[1] 谷晓燕[1] XU Xiaomin;GU Xiaoyan(School of Information Management,Beijing Information Science&Technology University,Beijing 100192,China)

机构地区：[1]北京信息科技大学信息管理学院,北京100192

出　　处：《北京信息科技大学学报（自然科学版）》2021年第4期1-4,共4页Journal of Beijing Information Science and Technology University

基　　金：国家自然科学基金资助项目(71701020)。

摘　　要：充分考虑网络信贷的主体特征,从用户网络行为信息出发,深入研究网络行为与个人信用之间的联系。从静态信息、社交信息、支付信息和互联网金融信息等方面的网络行为信息中提取用户特征属性,建立信用评价指标体系,提出基于PSO-BP的信用评价模型并验证其应用的有效性。旨在为各类互联网金融企业降低信用风险提供科学依据。Considering the main characteristics of network credit,the relationship between network behavior and personal credit was studied from the information of users′network behavior.Extracting user characteristics from static information,social information,payment information and internet financial information,and establishing credit evaluation index system,a credit evaluation model based on PSO-BP was proposed and the validity of its application was verified.The purpose is to provide a scientific basis for various internet financial enterprises to reduce credit risk.

关 键 词：网络行为 PSO BP神经网络 信用评价 

分 类 号：F832.4[经济管理—金融学] F724.6