An early warning system for loan risk assessment using artificial neural networks

被引：78

作者：

Yang, BA ^{[1
]}

Li, LX

Xu, J

机构：

[1] Dong Hua Univ, Sch Business & Management, Shanghai 200051, Peoples R China

[2] Old Dominion Univ, Dept Informat Syst & Decis Sci, Norfolk, VA 23529 USA

[3] Natl Key Lab Mfg Syst Engn, Xian 710049, Peoples R China

来源：

KNOWLEDGE-BASED SYSTEMS | 2001年 / 14卷 / 5-6期

基金：

中国国家自然科学基金;

关键词：

artificial neural networks; knowledge-based systems; financial information systems;

D O I：

10.1016/S0950-7051(01)00110-1

中图分类号：

TP18 [人工智能理论];

学科分类号：

081104 ; 0812 ; 0835 ; 1405 ;

摘要：

The purpose of this paper is to examine the application of artificial neural networks (ANN) to an early warning system for commercial bank loan risk. The aspects of knowledge acquisition, knowledge representation and knowledge-based reasoning process in the early warning system are discussed in the paper. The paper demonstrates how to design a decision tool based on the BP model and provides examples. The results show that this method offers a good tool for early warning. (C) 2001 Elsevier Science B.V. All rights reserved.

引用

页码：303 / 306

页数：4

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