Research Of Personal Credit Evaluation Model Based On Neural Network In Domestic Commercial Banks

In 2007 the United States erupted sub-prime mortgage crisis, this is a financial crisis caused by the result of sub-prime mortgage lending institute goes bankrupt, investment fund had been forced to close, and the stock market had been turbulented.It led to the world's major financial markets present the crisis which lack of liquidity, sub-prime mortgage crisis at the international level has become a hot issue.Because sub-prime mortgage loan is aims at a number of credit institutions offer the loans to the extent of poor and low income borrowers. Therefore, How to use effective assessment model to guard against credit risk which exist in modern commercial banks has become the focus of our research.And the risk of credit management and procedure in our country are still not consummate, so the risk in its operation is more difficult to measure and control. Presently the credit risk problem has been growing threat to the survival of commercial banks, development and strength.With the proportion of personal credit loan in the banking business; providing a scientific assessment method in order to avoid undesirable phenomena of regeneration is domestic commercial banks urgently needed solution matter.In this paper we proposed a credit rank appraisal index system in view of China's commercial bank's actual operational mechanism, and has constructed a model being on guard against credit risk based on the neural network technology, the personal credit evaluation model gave a detailed argument on the feasibility analysis through commercial bank recent years' financial data, which shows the feasibility and validity. Finally combine the conerete Problem to design the model.In recent years, MATLAB has been extesive applied in scientific computing and model simulation, is a good molding tool to solve reality economical problem.Make use of the related neural network method to build up personal credit evaluation model, carry on the estimate and evaluation to the customer's credit circumstance.In an certain degree, removed the human factors within result.The model can help to norm personal credit management, reduce the investment risk of the bank, provide decision for personal credit of the financing institution.