| With the development of society,the credit business has gradually integrated into the daily life of the people.Although the development of China's credit system and credit information system is far less than that of developed countries,the credit business has been developed in China for many years.Thousands of custom ers go to the bank every day to conduct credit business,so they have accumulated a large amount of credit business data.How to distinguish "good users" and "bad customers" from these credit business data is a problem faced by every bank.With the continu ous development of the economy,the income and consumption levels of urban and rural residents have significantly improved,and the personal credit business has become one of the main businesses of commercial banks.Therefore,it is of great theoretical significance and application value to study how to use artificial intelligence and data mining technology to evaluate customers' credit from the existing customer data of banks.The paper uses artificial neural network technology to realize a personal credit scoring system of commercial banks.The scoring model comprehensively considers various factors affecting customers' credit status.The selected indicators cover the evaluation of personal credits from different levels and directions as much as possible.The elements truly reflect the creditworthiness and repayment ability of the lender.The artificial network credit evaluation model is realized by using R language.The model has 14 input nodes and 2 hidden layers.The number of the first hidden nodes is 8,and the number of the second hidden layer nodes is 4,and 2 output nodes..The realization of this model enables commercial banks to better understand customers,to enhance the performance of banks in credit,sales,customer service and other operational operations,and to provide feasible solutions for commercial banks' personal credit evaluation.The paper first describes in detail the basic business process of credit scoring,and determines the credit evaluation index system from the aspects of family economic situation,occupational situation,loan situation and other basic conditions.After that,the demand analysis and system design of the personal credit evaluation system are carried out,including the scoring process,the overall functional architecture design of the system,the hierarchical structure design of the indicator system and the database design.The software technology is used to design and implement the personal credit evaluation system of commercial banks for commercial banks.Obtain a credit rating from a customer when conducting a credit business.Finally,the paper gives the implementation of the system and tests the system.The system realizes the management of customer information,the management of index weights,and the calculation of customer credit scores.The paper describes the key technologies of the system implementation.The system is developed based on the browser/server mode.It is simple and convenient to use,and the system runs stably and reliably.It shows good scalability and maintainability,and accelerates the accuracy of bank credit business.Processing efficiency. |
