The Personal Credit Assessment Model And System Design Of Re-employment Loan

Since 1998, the country has implemented a series of enterprise reform policy, this has increased the unemployed population of our country, worsened the employment contradiction. To solve this contradiction, China has taken a lot of policies, including providing the re-employment loan to encourage the laid-off workers to start an undertaking independently.In the process of re-employment loan implementation, Commercial bank is an important participator. Commercial banks have to consider the problem of personal credit risk when it offers business of re-employment loan. In order to avoid the happening of this kind of risk, it must assess the credit of loan applier and to make sure that it can offer loan or not. In view of this question, this essay is to use the way of neural network to construct an assessment model of personal credit on re-employment loan, and design the system of re-employment loanThis paper can be divided into the following parts:Part one: The preface. This part simply explain the background, the research goal and the significance, the domestic and foreign research present situation, research mentality and research method of this paper.part two: credit and personal credit. This chapter introduces the function of credit, the risk of using credit from the definition of credit. Based on that, it introduces the concept of assessment of personal credit and its characteristics.Part three: the ways of assessment on personal credit .This chapter mainly introduces the often-used ways of assessment on personal credit .after compare these different ways, it concluded that the way of neural network is the best onePart four: the law of artificial neural network。This chapter introduces the theory related to the artificial neural network. It includes the definition of artificial neural network, it development, principle of work, studying way. And it introduces the learning process and application of BP neural network details. Then analyze the BP neural network to apply in assessment model of personal credit feasibility. This built the rationale for the fourth chapter.Part five: the foundation of assessment model of personal credit on re-employment loan .This chapter is the key part of this paper. The primary content is the foundation of assessment model of personal credit on re-employment loan and the analysis of model results.Part six: the design of re-employment loan system. This part completes the function design, database design and development technology of re-employment system.The main contributions of this paper are as follows:In this paper, I try to use the neural network to construct the assessment model of personal credit on re-employment loan after compare different assessment ways of personal credit at home and broad. In addition, this paper completes the function design, database design and development technology of reemployment system. The neural network has been widely applied in various domains, but in our country the neural network utilizes in assessment of personal credit because the credit system is imperfect and the historical data is very difficult to gain .I use the real data of the commercial bank to establish the assessment model on personal credit .The result proof that the model has the high appraisal accuracy. The model has the strong serviceability to our country commercial bank. With the fast development of the informationization construction of Chinese commercial banks, massive customer data accumulation requests us to use the computer technology to manage them effectively. Therefore I design the re-employment system to complete this work.