The Neural Network Solution Of Credit Sale

Credi't Sale(or transaction on account) is a mode of sales which bases on an enterprise' s trust of its customers' motivation and capacity of credit and let them get commodities and services without cash payment. In out country, credit sale is increasing rapidly, but almost all the enterprises using credit sale are facing the trouble that their receivable account is so much that it directly affects the existence and development of the enterprise. Therefore, in implementing credit sales, it is of great importance to accurately evaluate the credit record of customer. In recent years, artificial neural network is being introduced into this field and becoming the focus of research. Because of this, the author chooses this subject as the research orientation of graduation paper.Firstly, the paper introduces credit sales and the feature of its business process, and introduces the present advanced whole credit management model in detail. Then the author leads into data to make further research and introduces the principles and characteristics of artificial neural network. Finally the author proudly studies the realized program of artificial neural network which has been evaluated by customers of credit sales.In the fourth chapter, the author studies the realized program of artificial neural network which has been evaluated by customers of credit sales. First, the author analyzes how to build the index system of a model and sorts out the sources of information that can be used to evaluate customers' credit. On this basis, the author discusses how to build index system. Then the author respectively uses B-P neural network and LVQ neural network to build model to evaluate the customers of credit sales and uses true data to evaluate them. At last, theauthor gives comparison and evaluation of the two models. The research result shows that, compared with B-P network and other traditional method, LVQ neural network has better performance. Finally, the author sincerely hopes that the paper' s analysis and research can be helpful to the development of out country' s credit sales.