摘要
文中以LendingClub数据集为基础,研究了基于多层感知器(Multi-LayerPerceptron,MLP)的信用评估系统。首先,介绍了MLP模型的结构和数学基础,然后设计并实现了一个用于信用评估的MLP系统。通过在测试集上进行评估,得到了模型的准确度、精确度、召回率、F1分数等性能指标。实验结果表明,MLP模型在LendingClub数据集上表现出色,具有较高的准确度和均衡的精确度、召回率,为金融风险管理提供了有力支持。
Based on the Lending Club dataset,this paper studies a credit evaluation system based on Multi Layer Perceptron(MLP).First,the structure and mathematical basis of the MLP model are introduced,and then an MLP system for credit evaluation is designed and implemented.Through evaluation on the test set,the models accuracy,precision,recall rate,F1 score and other performance indicators are obtained.The experimental results show that the MLP model performs well on the Lending Club dataset,with high accuracy and balanced precision and recall rate,providing strong support for financial risk management.
作者
李瑞芬
姜宏敏
LI Ruifen;JIANG Hongmin(hengzhou Institute of Technology,Zhengzhou 451150,China)
出处
《移动信息》
2024年第1期179-181,共3页
MOBILE INFORMATION
关键词
多层感知机
信用评估
机器学习
风险管理
Multi-layer perceptron
Credit evaluation
Machine learning
Risk management