Credit-Risk Evaluation Model for Commercial Bank Loan Based on Elman Neural Network
Ziying Zhang · Science Technology and Industry · 2008
Credit-risk evaluation model for commercial bank loan based on Elman Neural Network is established.The example demonstrates the accuracy and reliability of the model.The research process and the results show that,commercial bank credit risk identification and assessment model based on Elman neural network can be well reflected in nonlinear credit factors during loan process,accurately predict a complete mapping relationship between the credit risk indicators and credit rating,quickly and effectively reduce the credit risk of the commercial.A special case shows that the accuracy of credit-risk evaluation model is nearly 90%.