Credit risk identification of high-risk online lending enterprises based on neural network model
The rapid development of online lending alleviates the difficulty of financing for small and micro enterprises to a certain extent,but it also exposes the credit risk identification problem of online lending platform.In order to fully identify the characteristics of high-risk network lending enterpr...
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| Format: | Article |
| Language: | English |
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POSTS&TELECOM PRESS Co., LTD
2017-12-01
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| Series: | 网络与信息安全学报 |
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| Online Access: | http://www.cjnis.com.cn/thesisDetails#10.11959/j.issn.2096-109x.2017.00222 |
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| _version_ | 1841530230557114368 |
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| author | Mao-guang WANG Zi-jun ZHU |
| author_facet | Mao-guang WANG Zi-jun ZHU |
| author_sort | Mao-guang WANG |
| collection | DOAJ |
| description | The rapid development of online lending alleviates the difficulty of financing for small and micro enterprises to a certain extent,but it also exposes the credit risk identification problem of online lending platform.In order to fully identify the characteristics of high-risk network lending enterprises,small and medium-sized network lending companies were selected as samples,and indicators that were highly correlated with risk identification were chosen as indicators variables.And by using the BP neural network algorithm model,the credit risk identification rate and credit risk classification accuracy rate of high risk network lending enterprises,under different conditions,were obtained.The results show that the credit risks of high-risk network lending enterprises are highly recognized,and have the characteristics of high recall rate and high accuracy. |
| format | Article |
| id | doaj-art-9e53ec4984f54aa0bf14303afc319603 |
| institution | Kabale University |
| issn | 2096-109X |
| language | English |
| publishDate | 2017-12-01 |
| publisher | POSTS&TELECOM PRESS Co., LTD |
| record_format | Article |
| series | 网络与信息安全学报 |
| spelling | doaj-art-9e53ec4984f54aa0bf14303afc3196032025-01-15T03:06:12ZengPOSTS&TELECOM PRESS Co., LTD网络与信息安全学报2096-109X2017-12-013152159551805Credit risk identification of high-risk online lending enterprises based on neural network modelMao-guang WANGZi-jun ZHUThe rapid development of online lending alleviates the difficulty of financing for small and micro enterprises to a certain extent,but it also exposes the credit risk identification problem of online lending platform.In order to fully identify the characteristics of high-risk network lending enterprises,small and medium-sized network lending companies were selected as samples,and indicators that were highly correlated with risk identification were chosen as indicators variables.And by using the BP neural network algorithm model,the credit risk identification rate and credit risk classification accuracy rate of high risk network lending enterprises,under different conditions,were obtained.The results show that the credit risks of high-risk network lending enterprises are highly recognized,and have the characteristics of high recall rate and high accuracy.http://www.cjnis.com.cn/thesisDetails#10.11959/j.issn.2096-109x.2017.00222high risk online lending enterprise risk identificationindex screeningneural networkrecall rate |
| spellingShingle | Mao-guang WANG Zi-jun ZHU Credit risk identification of high-risk online lending enterprises based on neural network model 网络与信息安全学报 high risk online lending enterprise risk identification index screening neural network recall rate |
| title | Credit risk identification of high-risk online lending enterprises based on neural network model |
| title_full | Credit risk identification of high-risk online lending enterprises based on neural network model |
| title_fullStr | Credit risk identification of high-risk online lending enterprises based on neural network model |
| title_full_unstemmed | Credit risk identification of high-risk online lending enterprises based on neural network model |
| title_short | Credit risk identification of high-risk online lending enterprises based on neural network model |
| title_sort | credit risk identification of high risk online lending enterprises based on neural network model |
| topic | high risk online lending enterprise risk identification index screening neural network recall rate |
| url | http://www.cjnis.com.cn/thesisDetails#10.11959/j.issn.2096-109x.2017.00222 |
| work_keys_str_mv | AT maoguangwang creditriskidentificationofhighriskonlinelendingenterprisesbasedonneuralnetworkmodel AT zijunzhu creditriskidentificationofhighriskonlinelendingenterprisesbasedonneuralnetworkmodel |