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基于支持向量机模型的我国商业银行个人信贷信用风险预警机制分析word论文.docx 67页

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基于支持向量机模型的我国商业银行个人信贷信用风险预警机制分析word论文
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chosen as theory model of this article. Last, with the data collected from 358 valid questionnaires for credit customers of commercial banks, training and testing samples are selected to reduce the dimension of 19 index adopting principal component analysis first and then support vector machine model used to assess with a accuracy percentage of 87%. At the same time, a case analysis is picked from a Industrial and Commercial Bank of China in Hefei with results indicating accuracy percentage of 92.9% which indicates that support vector is an effective and accurate way to assess individual credit risk.Through the research we find that the model of personal credit risk warning mechanism for commercial bank in this paper is an effective warning mechanism of personal credit risk. It can predict well the credit risk, control and reduce loss. It also provides a classification methods to quantifiably support the credit departments of finance institutions, as well as helping China’s commercial banks and other financial institutions to efficiently monitor and manage individual credit risk, improve the level of credit risk management and reduce losses.Keywords: personal credit risk; warning mechanisms; support vectormachinesIII目录摘要......................................................................................................................................... IABSTRACT............................................................................................................................II前言.....................................................................................................................................VII第 1 章绪论 ......................................................................................................................... 11.1 课题研究的背景与意义......................................................................... 11.2 研究目标与方法..................................................................................... 11.2.1 研究目标 ....................

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