混合专家系统模型和贷款风险分类

Hybrid Expertise System Model and Classification of Loans Risks

主要探讨了混合专家系统结构 ,该结构充分利用了符号机制和神经网络各自的优点 ,使它们优势互补。并把该系统应用在银行贷款分类方面 ,帮助信贷人员决定在何种情况下批准贷款 ,为贷款分类结果提供充分和必要的依据 ,减少贷款风险。

The use of neural networks (NN) is a novel approach that can help in taking decisions when integrated in a more general system,in particular with expert system (ES). In this paper,a hybrid intelligent system based on neural networks and expert system is described for classification of loan risks. A set of desirable properties for the classification of loan risks is fed into the system. So user can determine whether or not,and under what conditions,a bank loan officer should grant a business loan to a company.