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利用主成分分析建立了企业信用评价财务指标体系,将信用风险评价的问题看作是对贷款企业信用风险的模式分类问题,在此基础上构建了最小二乘支持向量机信用等级分类系统,最小二乘支持向量机相对于其他支持向量机和神经网络,运算速度快易于操作,因此在我国商业银行信用风险评价领域的具有较大的应用前景。
The principal components analysis was used to establish the financial index system of credit evaluation of enterprises. The problem of credit risk evaluation was regarded as the pattern classification of credit risk of loan enterprises. On the basis of this, a credit classification system of least squares support vector machine Compared with other support vector machines and neural networks, LSSVM has the advantages of high operation speed and easy operation, so it has a great application prospect in the field of credit risk evaluation of commercial banks in our country.