Research On The Methods And Application Of Credit Rating Based On The Artificial Intellectual Technology

This thesis mainly studies the methods and application of credit rating for customers by credit sale from the aspect of business. Through summarizing the experiences of the salesman and experts, and drawing lessons from the professional organizations such as banks which have established indexes system for credit rating, the thesis builds its own indexes system of credit rating for tally trade which is intentionally built up for enterprises; then by contrasting the advantages and disadvantages of the commonly used multi-indexes evaluation methods, adopts the fuzzy hamming network as the primary tool for credit rating. To make up the shortages in practice of that network, the thesis synthetically exerts the principal components analysis clustering analysis and fuzzy c-means to offer the initial training samples for the network, then makes use of the genetic algorithm to find the best parameters group, in the end of this thesis, as an example, evaluates the credit grades of the 57 pieces of customers of a domestic pharmaceutical group, giving out each customer's credit grade and the degree belonging to that grade as basis for the enterprises to investigate the credit status and determinate the quota .