基于人工智能的小微企业贷款模型

The loan model of small and micro enterprises based on artificial intelligence

小微企业对提高社会就业率,发展民营经济,促进经济内循环发展都具有十分重要作用,我国金融市场及社会信用体系建设尚不完善,小微企业普遍面临融资困难的问题,这一难题严重制约了小微企业的发展,构建符合我国国情的小微企业贷款策略是我国当前亟待研究的一项重要课题.采用人工智能中的神经网络技术,对小微企业贷款按风险程度进行分类,预测出该微小企业的信用等级,简化小微企业贷款业务传统流程.建立合理的数学模型,辅助银行得到对各行业的信贷策略,为银行贷款提供最优的决策方案.

Small and micro enterprises play an important role in improving the social employment rate,developing the private economy and promoting the development of economic internal circulation.The construction of China’s financial market and social credit system are still not perfect,small and micro enterprises generally face financing difficulties,this problem seriously restricts the development of small and micro enterprises.At present,it is an urgent issue to construct the loan strategy of small and micro enterprises that are suitable for the situation of China.The neural network technology in artificial intelligence is used to classify small and micro enterprise loans according to the degree of risk,predict the credit rating of the small and micro enterprise,simplify the traditional process of small and micro enterprise loan business.A reasonable mathematical model is established to assist banks to get credit strategies for various industries,and provide the optimal decision scheme for bank loan.