Research of PNN recombining model on personal credit evaluation

With the concept of combining forecasts, this paper puts out a new approach by cocombining multi-linear regression and logistic with Elman and BP network. Then, recombine them with, PNN and apply it in personal credit evaluation, of one commercial bank. The results indicate that the combining methods can increase the accuracy, and recombining is a reasonable way for greater precision than either the combining methods or pre-combining models, especially in avoiding recognizing the bad, applications as good ones.