摘要
目前国内对大学生信用问题研究多为定性分析,很少运用定量方法建立分析评价模型。在剖析传统信用评级体系和方法的基础上,构建了一套全面、科学的评价指标体系;引入FA-BP模型对大学生信贷等级进行评价,实现了评价的智能化和自我优化。实证分析获得了较高的预测准确率,表明使用FA-BP模型评价大学生个人信用等级是可行的、有效的。
At present, there are many qualitative researches on credit evaluation of student loans, but few of them used quantitative methods to set up analysis models. Based on analysis of traditional credit rating index system and methods, a set of comprehensive and scientific evaluation index system was constructed. Then the FA - BP model is introduced to evaluate the credit rate of the college students, which has realized the intelligence and serf-optimization of the evaluation process. The empirical analysis was highly accurate, proving that the FA -BP model is feasible and efficient.
出处
《技术与创新管理》
CSSCI
2009年第3期384-386,390,共4页
Technology and Innovation Management
基金
四川省学术和技术带头人培养资金(川人办发[2008]24号)
