Application of RBF neural network optimal segmentation algorithm in credit rating

Li, Xuetao; Sun, Yi

doi:10.1007/s00521-020-04958-9

Cited by 149 publications

(44 citation statements)

References 20 publications

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“…In [23], the authors constructed a personal credit evaluation model and compared the weight adjustment method with BP neural network. In [24], the authors studied the application of radial basis function neural network model combined with optimal segmentation algorithm in personal loan credit rating model of banks or other financial institutions. In [25], the authors used genetic algorithm to adjust and determine the initial weight and threshold of BP neural network to evaluate credit risk.…”

Section: Literature Reviewmentioning

confidence: 99%

Formal Credit-Assisted New Agricultural Business: A Multifactor Analysis Based on BP Neural Network

Zhang

Fan

2022

Mobile Information Systems

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In recent years, the new agricultural business entities have grown rapidly in all parts of the country and have become an effective carrier to achieve the basic stability of China’s rural family operation system and moderate-scale agricultural operation. However, the systemic defects of rural financial market and the credit rationing of formal financial institutions make the capital needs of rural areas unsatisfied for a long time. Financial demand determines the direction of supply reform. Therefore, in order to improve rural financial supply and promote the transformation and development of agricultural economy under the current situation, it is necessary to effectively understand the formal credit demand and the impact factors of accessibility of the new agricultural business entities, which represents the direction of China’s agricultural development in the future. Based on back propagation (BP) neural network, this paper constructs the farmers’ formal credit availability prediction model and studies the formal credit demand and the impact factors of the availability of new agricultural business entities. The experimental results show that the farmers’ formal credit availability prediction model has good performance in prediction accuracy, prediction time, and mean squared error.

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Section: Literature Reviewmentioning

confidence: 99%

Formal Credit-Assisted New Agricultural Business: A Multifactor Analysis Based on BP Neural Network

Zhang

Fan

2022

Mobile Information Systems

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“…networks, being inherited from the perceptual model on visual hyperacuity, are well-known for the simple topological structure and universal approximation ability. Since the approximation ability has been proved, they have drawn much attention to various areas, such as classification, nonlinear system modeling, and adaptive control [45][46][47]. Nevertheless, RBF neural networks still face challenges and open problems on how to model nonlinear systems accurately and fast [48,49].…”

Section: Rbf Neural Network Radial Basis Function (Rbf) Neuralmentioning

confidence: 99%

Evaluation of Cruise Ship Supply Logistics Service Providers with ANP-RBF

Huang

Tan

Guan

2021

Journal of Advanced Transportation

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To overcome challenges like market dynamic configuration, information integration, and quick response, it is necessary to build an efficient, stable, and well-coordinated supply chain relationship for cruise ship supply. This requires building of a solid evaluation index system of logistics service providers (LSPs) in the cruise ship supply chain. In this paper, we introduce an evaluation index system that consists of four dimensions, based on the characteristics of cruise ship supply and the connotation and type of cruise ship supply LSPs. The four dimensions are business level, collaborative capacity, service price, and information level, including ten subcriteria. We first establish an evaluation decision model for the interdependence and feedback relationship between the criteria by using analytic network process (ANP) for weight definition of each index; then, we use Super Decisions software to simulate the results, combine RBF neural network training and validation, and extract implicit knowledge and laws. We propose an incremental algorithm that can effectively avoid the influence of subjective factors and increase the dynamic nature of evaluation. The results show that the ANP-RBF method has strong practicability in the evaluation of cruise ship supply LSPs.

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“…Li, X. and Sun, Y. [13] establish a personal credit rating model by radial basis function neural network model combined with the optimal segmentation algorithm.…”

Section: Introductionmentioning

confidence: 99%

An Ensemble Learning Based Strategy for Customer subdivision and Credit Risk Characterization

2023

Teh. vjesn.

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Credit customer subdivisions and borrower characteristics are essential tools for banks and lending companies to evaluate credit risk and make profits. This study proposes a Multi-Level Default Risk Rating (MLDRR) strategy based on a heterogeneous ensemble learning method. Further, a novel Eight Subdivisions Model (ESM) of credit customers is constructed. Through the model, the credit customers are subdivided into eight important categories, such as the defaulting customers that are easily missed, the customers with the highest risk, customers with the potential risk, and target customers, etc. Moreover, we describe the risk characteristics of the customer subdivisions and find deficiencies in the agency's existing risk ratings. Finally, the explored strategies are validated on one hundred thousand real credit data, demonstrating the effectiveness of ESM. Compared with the traditional customer segmentation and characteristics research, this paper develops a new credit customer segmentation method based on the perspective of default risk and describes the risk characteristics more comprehensively through eight customer subdivisions.

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Application of RBF neural network optimal segmentation algorithm in credit rating

Cited by 149 publications

References 20 publications

Formal Credit-Assisted New Agricultural Business: A Multifactor Analysis Based on BP Neural Network

Formal Credit-Assisted New Agricultural Business: A Multifactor Analysis Based on BP Neural Network

Evaluation of Cruise Ship Supply Logistics Service Providers with ANP-RBF

An Ensemble Learning Based Strategy for Customer subdivision and Credit Risk Characterization

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