基于神经网络的中小企业信用评价体系的构建

On the Construction of Credit Evaluating System for SMEs Based on Neural Network

中小企业融资与大型企业具有不同的特点,将对大中型企业评价的方法运用到中小企业中,必然会导致贷款成本高、效率低、忽略了中小企业的成长性的特点。本文首先综述了神经网络的文献,再此基础上构建了基于神经网络的中小企业信用评价体系,以便更准确地评价中小企业信用。

Financing of SMEs is different from that of large enter- prises. Applying evaluating methods for large enterprises to SMEs will lead to higher costs and lower efficiency and ignore growth potential of SMEs. On the basis of summarizing neural network, this paper sets up credit scoring model of SMEs based on neural network.