摘要
研究针对近年来中国NY银行的不良贷款情况,发现虽然各行贷款不良率呈现出逐年下降的趋势,但是贷款不良额仍未下降,呈现有增无减的态势,容易引发金融危机。为将金融风险控制在经济可以承受的范围之内,研究整理了国内外金融风险的研究现状,建立了银行金融风险防控预警指标体系,应用最小二乘支持向量机进行信用风险评估,并利用实证分析说明其方法的有效性。
Based on the non-performing loans of China’s NY Bank in recent years,the research finds that although the non-performing loan ratio of each bank has shown a downward trend year by year,the non-performing loan has not decreased,showing an increasing trend and it is easy to raise the financial crisis.In order to keep the financial risk within the reach of economy,this paper collates the research status of financial risk at home and abroad,establishes the early warning indicator system of bank financial risk prevention and control,applies the least squares support vector machine to assess the credit risk,and illustrates the effectiveness of its method by empirical analysis.
作者
宋慧玲
SONG Huiling(Department of Basic Teaching and Research,Harbin Finance University,Harbin Heilongjiang 150030,China)
出处
《金融理论与教学》
2023年第3期28-31,共4页
Finance Theory and Teaching
基金
黑龙江省教育科学规划重点课题“应用型本科院校发展多学科交叉课程的路径研究”(GJB1423322)资助。
关键词
银行
金融
风险
指标体系
最小二乘支持向量机
bank
finance
risk
index system
least squares support vector machine
