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基于支持向量机的银行信用评估模型研究

Evaluation of Bank Credit Based on SVM

中文摘要英文摘要

随着金融的全球化趋势及金融市场的波动性加剧,商业银行的风险管理一直是国际国内金融界关注的焦点。但其运营面临着各种各样的风险,而非系统风险中信用风险占有特殊的重要地位。本文利用支持向量机对银行个人信用评估问题进行研究,建立基于支持向量机的个人信用评估体系,对与一个贷款申请者根据评估结果来评价他的信用风险,来决定是否批准其贷款,以便降低银行的消费贷款的不良贷款率,提高银行的消费信贷市场的信用风险管理水平。

With the globality of finance and Financial Markets undulate intensely, commercial bank is the focus of home finance .But the running are facing serious hazards and credit venture plays an important part in non-system venture.In this paper,we have a research on evaluation of bank credit based on svm and build a system.of estimate.Judging a applicant by his evaluation’s result to make sure that whether his apply will be passed.In this way, we can reduce the rate of nonperforming loans and improve the managing level of the bank’s consumer credit market.

赵明、吉平、石摄

财政、金融计算技术、计算机技术

银行支持向量机信用评估

BankSvmEvaluation

赵明,吉平,石摄.基于支持向量机的银行信用评估模型研究[EB/OL].(2009-12-28)[2025-08-02].http://www.paper.edu.cn/releasepaper/content/200912-1039.点此复制

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