人工智能算法在银行信用贷款业务的应用综述

Literature Review on the Application of Artificial Intelligence Algorithms in Bank Credit Loan Business

随着“互联网+”的发展,人工智能不仅为传统金融业带来了机遇和挑战,同时也为商业银行的信用贷款业务创造出新的机会。传统商业银行信贷审批流程中的人工决策存在非理性因素,在不同风险场景下存在的贷款决策行为偏差无法消除,从而出现偏离客观的决策。人工智能方法能够有效避免信贷审批中的主观性和盲目性从而提高决策效率。本文分析了人工智能算法在贷款审批中的应用,根据算法分类对算法及其应用进行了阐述,并对智能信贷审批作出了总结和展望。

With the development of"Internet+",artificial intelligence not only brings opportunities and challenges to the traditional financial industry,but also creates new opportunities for the credit loan business of commercial banks.There are irrational factors in the manual decision-making in the credit approval process of traditional commercial banks,and the deviation of loan decision-making behavior in different risk scenarios cannot be eliminated,resulting in deviating from objective decision-making.Artificial intelligence methods can effectively avoid subjectivity and blindness in credit approval and improve decision-making efficiency.This article analyzes the application of artificial intelligence algorithms in loan approval,expounds the algorithms and their applications according to the classification of algorithms,and summarizes and prospects for intelligent credit approval.