基于深度信念网络的个人贷款违约预测研究  

Research on Personal Loan Default Prediction Based on Deep Belief Network

作　　者：薛辉 王翊帆 谭文启 苏慧琼 曹一夫 XUE Hui;WANG Yifan;TAN Wenqi;SU Huiqiong;CAO Yifu(Chengdu Gabriel Technology Co.,Ltd.,Chengdu Sichuan 610000;Golden Apple Longnan Primary School,Chengdu Sichuan 610041;The Experimental High School Attached to UESTC,Chengdu Sichuan 610000;Chengdu Yaochuan Culture Technology Co.,Ltd.,Chengdu Sichuan 610000;Chengdu PIDU JiaXiang Foreign Languages School,Chengdu Sichuan 611730)

机构地区：[1]成都加百力科技有限公司,四川成都610000 [2]金苹果龙南小学,四川成都610041 [3]电子科技大学实验中学,四川成都610000 [4]成都遥川文化科技有限公司,四川成都610000 [5]成都市郫都区嘉祥外国语学校,四川成都611730

出　　处：《中国科技纵横》2023年第12期39-41,共3页China Science & Technology Overview

摘　　要：对个人贷款与风险进行预测有利于减少金融机构的风险。提出基于深度信念网络的个人贷款违约风险预测模型,提高了传统深度信念网络模型的训练速度,提升了使用算法的准确率。The prediction of personal loans and risks is conducive to reducing the risks of financial institutions.This paper proposes a personal loan default risk prediction model based on deep belief network,which improves the training speed of the traditional deep belief network model and improves the accuracy of the algorithm.

关 键 词：深度信念网 玻尔兹曼机 贷款违约预测 

分 类 号：F832.4[经济管理—金融学]