基于bp神经网络的中小企业信用评级-统计学专业论文.docxVIP

Contents1．Introduction Contents 1．Introduction 1 1．1 Research Background and Significance ‘1 1．1．1 Research Background 。1 1．1．2 Research Significance 1 1．2 Research Status of Small and Medium Sized Enterprises ‘2 1．2．1 Domestic Research Status 2 1．2．2 Abroad Research Status ·4 1．3 Basic ideas and Stll】ctIlre ofthe Thesis ··5 1．3．1 Basic Ideas 5 1．3．2 The Basic Structure ofthis Paper ‘5 1．4 Innovation and Deficiency ofthis Paper 6 2．An Overview of the Credit Rating Theory of Small and Medium Enterprises 7 2．1 Small and Medium Enterprises and Credit Risk 7 2．1．1 The Defined Criteria of Small and Medium Enterprises ··7 2．1．2 nle Concept ofCredit Risk ·8 2．2 Financing Overview ·8 2．2．1 Financing Concepts 。9 2．2．2 Financing Methods and Classification ·。9 2．2．3 Financing Theory 10 2．3 Credit Rating of SMEs ·1 1 3．Construction of Credit Rating Index System ··12 3．1 Establishment Method and Design Principle of Credit Rating Index System ofEnterprises · · ·· · · · ·· ·· ·· · · · · · · ·· · · ·。12 3。1．1 Establishment Method of Credit Rating Index System of Enterprises 1 2 3．1．2 Design Principles of Credit Rating Index System of Enterprises ··1 2 3．2 Selection ofCredit Rating Index ofEnterprises ·。13 3．2．1 Research on Credit Index System ··13 3．2．2 Constructing the Credit Index System of Small and Medium Enterprises 19 4．A Comparative Study of Credit Rating Models 一 ·20 4．1 Traditional Credit Rating Method ··20 4．2 Statistical Model Method 20 III 万方数据 4．3 4．3 The Analytic Hierarchy Process ··22 4．4 Credit Rating Model Based on the BP Neural Network··································-22 4．4．1 An Overview ofNeural Networks ·23 4．4．2 The nleory ofthe Neural Network ··23 4．4．3 Network S臼mctl】re ofthe Neural Network 24 4．4．4 BP Neural Network Model 26 4．4．5 Learning Algorithm ofBP Network ·27 4．4．6 Feasibility Analysis ofBP Neural Network ·30 5．Empirical Analysis of Credit Rating ‘3 1 5．1 Expected Credit Rating ·3 1 5．2 Implementation of Credit Rating of Small and Medium