Credit Ranking Of Enterprise User For Bank

With the development of economic in our nation,the consumption of our people become stronger and stronger and the scope of our enterprise become broader.As the carrier of enterprise fund,bank occupies the key position in the whole national economy.More and more enterprises begin to loan from bank to expand their scope and push their society forward.In the development of enterprises,some of them become more and more vigorous and some of them were thrown back.More and more enterprises loan from bank,so the risk of bank become heavier.To decrease the risk,bank need provide rating for the enterprise and restrict the number of money loaned.The restriction determines the health of bank health.Especially in the modern society,the fund of bank is the center of whole wealth.Currently,the restriction of loaning for enterprise is determined by the credit rating system.The larger number loaned,the higher credit rating needed.The credit rating is the expression of risk for enterprise breaching bank's promise.Generally the credit rating system is completed by the third party.The process of credit rating is not transparent.The result of credit rating depends on the experience of researcher.Since there are many quotas for an enterprise,the scale of different enterprise vary heavily,the name of quota is different too.A little fault may lead to different result of credit rating.So the credit rating impacts the development of enterprise much.With the development of computer science,more and more enterprises throw the old management away.The company grows healthier.This paper implements one credit rating system based on BP neural network.Firstly,this paper gets the enterprise information from bank.There are two types for the enterprise information.One is based on quantification and the other is qualitative.Secondly,this paper category the credit of enterprise based on the BP neural network.Lastly,get the credit rating from the trained BP neural network and the minimal quota set.The data in this paper is from the actual company,the rating level is from bank.The similarity between this paper and actual level is more than 90%.The minimum quota set is 20 less than original one.