The Research & Realize Of Personal Credit Evaluate Method For University Students

At present, personal credit constructing is the necessity current of social development, and the constructing of personal credit archives which exert important effect in every aspect of social live is so common in foreign country, meanwhile, it is the paramount part of whole social credit evaluation. So, the research of personal credit evaluation will be more and more important. And, the high school student's personal credit evaluation system's execution is the basis of personal credit's development.Credit evaluation means to evaluate credits according to the credit information which we get. The credit level's counting is according to this person's whole credit status but one or several elements. Credit level is determined by both advantage material and disadvantage material. Each target will be endued different value, via weight counting, and credit level will be generated. The credit evaluation model uses certain sample data to count person's credit level by each target's describing such as honor and moral, weighting, and counting.Hence, the substance of credit evaluation can be view as a matter of classify and arrangement in pattern recognition. Via using for reference of many general credit evaluation method and department both here and abroad, and the real saturation of ChongQing university's students, we summarize a novel personal credit targets system, and put forward a set of personal credit evaluation model for ChongQing university's students. This model establishes student's personal credit targets system according to the real instance of students which in campus, uses NN to classify personal level, we also combine GA and BP algorithm to form a novel training algorithm for NN to make it has faster convergence and powerful learning ability. After the training procedure, we use GA algorithm to prune for improving the configuration of NN, hence, construct an effective personal credit evaluation model. During the procedure of applying this model in students'personal credit evaluation system in ChongQing University, by integrating GA's global minimum searching ability with BP's local minimum searching ability, this model gets preferable balance point among controllability of learning procedure, precision, complexity and generalization of NN.Meanwhile, we also empolder corresponding programme and computer system for real application and validation test of GA-NN model, Application results show that such model is effective.