信用评估模型

在两个真实数据集上用10层交叉验证对朴素贝叶斯信用评估模型进行了测试，并与五种DavidWest的神经网络个人信用评估模型进行了对比。

They are tested using 10-fold cross validation with two real world data sets , and compared with five neural network models of David West 's.

介绍了几种常用的信用评估模型，通过分析它们在评估中的缺陷，提出基于改进型BP神经网络的信用评估模型。

Many credit assessment models in common use were introduced , and an evaluation model based on improved BP neural network was presented by analysis disadvantages of some of them .

然后依据这些指标建立了基于Elman回归神经网络的我国企业的信用评估模型。

These measures are used to develop credit-scoring models applied to Chinese corporations based on Elman neural networks .

引入数据包络分析方法，提出了一种基于贷款可接受案例集的DEA型信用评估模型和分类边界为分段线性分离超平面的分类方法。

In this paper , we develop a DEA model based on accepted cases set and propose a classification method with piece wise linear separating hyperplane as its boundary .

在此基础上，本文通过设立指标体系、从银行获取各项指标数据，对建立的BP网络信用评估模型进行模拟实验。

So it is feasible to establish credit model with neural networks technology . By setting up index system and getting index data from bank , the paper simulative experiments on the credit evaluation model based on BP networks .

根据校园网络用户的特点和清华大学IP数据库完善的基础数据，本文提出了一种以学校为统计单位，以天为更新周期的网络信用评估模型。

Based on the characteristics of the campus network users and the complete data of Tsinghua University IP database , this paper proposes a network credit evaluation model which use school as the statistical unit and one day as update cycle .

提出了一种基于基因表达式编程（GEP）的信用评估模型挖掘方法GEP-CREDIT。

A new mining method of credit evaluation model based on Gene Expression Programming ( GEP ), named GEP-CREDIT , was presented .

基于基因表达式编程的信用评估模型挖掘方法

Mining method of credit evaluation model based on gene expression programming

应用神经网络构建了个人信用评估模型；

Established the personal credit rating system model with neural network ;

最小总风险准则的贝叶斯网络个人信用评估模型

Bayesian network consumer credit scoring models based on minimum overall risk rule

基于遗传神经网络的个人信用评估模型的研究

Study on individual credit assessment model based on genetic-neural network

本文引出了个人信用评估模型建立的问题；

This paper introduced the personal credit rating system model ;

建立了个人信用评估模型的指标体系；

Established the index sign system of the personal credit rating system model ;

论文研究了三种朴素贝叶斯分类器信用评估模型的精度。

This paper investigates the credit scoring accuracy of three naive Bayesian classifier models .

引入人工智能中的神经网络理论，建立了神经网络专家系统信用评估模型。

A judging method of artificial neural network expert model is given to evaluate the credit level of venture enterprises .

在建立指标体系和输出机制的基础上，讨论了基于信用评估模型的评估系统的设计与实现。

After evaluation indicator architecture and output mechanism were developed , designing and constructing of evaluation system based on evaluation model was discussed .

其次，由于信用评估模型是信用评估的核心，就实现了信用模型的数字化工作，即利用信用评估模型的元模型来表达模型，其中也用元模型表达了外贸信用评估模型。

Secondly , it proposes meta-model of credit evaluation model considering the core status of credit evaluation model in credit evaluation and the digital need of credit evaluation model .

通过对承租人信息的收集，并借助信用评估模型来完成对承租人信用进行评估，并由此制定相关的租赁政策，可以有效的控制租赁风险。

Actually , we can manage and control the lease risks effectively through a credit evaluation module and relevant policy , which can accesses leaseholder 's credit with accuracy .

更重要的是我国没有专门针对中小企业的信用评估模型，没有体现出中小企业创新性，成长性和发展性的特点。

The most important of all is that we don 't have a special credit evaluation model for MSEs which can embody the nature of creativity expansibility of MSEs in our country .

构建了违约借款人的典型特征识别表、多元回归预测模型、群体违约概率参考表、个人信用评估模型。

Identification chart of typical features of breach of contract borrowers , regression forecast models , reference chart for mass breach of contract probability and personal credit evaluation models are also established in this thesis .

而本文建立的企业信用评估模型是基于两个基本原则：一是网下认证与网上评估相结合。企业信用通常包括网下静态信用和网上动态信用。

But the credit evaluation model in this paper is based on two fundamental principles : One is combining the offline certification and online assessment ; The other is processing the evaluation result after the transaction .

在真实数据集上按最小总风险准则采用交叉验证对贝叶斯网络信用评估模型进行了测试，并与按最小错误概率准则的神经网络、贝叶斯网络分类模型的结果进行了对比。

They are tested by cross-validation with a real data set according to Minimum Overall Risk rule , and compared with classification results of neural networks and Bayesian networks model with Minimum Probability of Error rule .

总之，与传统信用评估模型相比，该模型的信用评级更客观、更真实。最后，本文给出该信用评估模型的具体实现。

In short , compared with the traditional credit models , the new one presented in this article has higher accuracy and greater adaptability . Finally , the concrete realization of the credit evaluation model is given .

论文对贝叶斯网络信用评估模型进行了以下两个方面的研究：（1）针对贝叶斯网络分类模型，研究数据预处理方法，以及作为信用评估模型的误分率。

Two aspects of Bayesian network credit scoring models are studied , as follows : ( 1 ) According to Bayesian network classifier models , the classification error rate of Credit Scoring models with different pretreatment method is investigated .

并对整个基于SVM的银行个人信用评估系统模型进行介绍。

SVM-based bank and the personal credit rating system model are introduced .

再次，作者以机械设备类上市企业的指标数据作为研究样本，采用改进的BP神经网络构建了客户信用风险评估模型。

After that , the writer use index data of machinery listed companies as the samples choose modified BP neural network model to build up client credit risk assessment model .

通过对单一模型的比较分析及结合我国实际情况，本文进一步构建了以层次分析法和Logistic回归为基础的个人信用评估组合模型。

By combining with the actual situation in our country , this paper further built a combined model which based on the analytic hierarchy process method and the logistic regression model .

介绍了小样本学习的通用学习算法&支持向量机（SVM），建立了基于SVM的企业信用风险评估模型，并将支持向量机非线性分类器应用于信用风险的评估中。

This paper introduces the Support Vector Machine ( SVM ) technique based on small samples . A credit-risk evaluation model is established and the nonlinear classifier is applied on Credit Risk Assessment of the enterprise .

基于决策树的个人住房贷款信用风险评估模型

Credit Risk Assessment Model for Individual Housing Loan Based on Decision Tree

基于灰色关联分析的信用风险评估模型构建

Build the Credit Risk Assessment Model Basing on the Grey Relation Analysis