scholarly journals Green Credit Risk Assessment under the Background of Water Ecological Civilization City Construction——Based on BP Neural Network Model

Author(s):  
Xiaohang Fan ◽  
Qingguo Li ◽  
Zhen Xu
2011 ◽  
Vol 50-51 ◽  
pp. 919-923
Author(s):  
Wei Tong ◽  
Li Ping Qin

The neural network has been introduced into the studies of credit risk assessment. However, the ratio of the dataset for training and testing is difficult to determine, so the neural network is not robust enough to give the judgment. Therefore, using the 2000 instances of personal consumer credit data set for approval of credit applications of a provincial-level China Construction Bank, for the BP neural network model, the study focused on the ratio of the dataset for training and testing. The results show that, when the ratio of the dataset for training and testing is 800:1200, the neural network model 2 for credit risk assessment has better performance. And it can achieve the desired accuracy and computational efficiency, so the BP network system for credit risk assessment is optimized.


2016 ◽  
Vol 6 (2) ◽  
pp. 942-952
Author(s):  
Xicun ZHU ◽  
Zhuoyuan WANG ◽  
Lulu GAO ◽  
Gengxing ZHAO ◽  
Ling WANG

The objective of the paper is to explore the best phenophase for estimating the nitrogen contents of apple leaves, to establish the best estimation model of the hyperspectral data at different phenophases. It is to improve the apple trees precise fertilization and production management. The experiments were done in 20 orchards in the field, measured hyperspectral data and nitrogen contents of apple leaves at three phenophases in two years, which were shoot growth phenophase, spring shoots pause growth phenophase, autumn shoots pause growth phenophase. The study analyzed the nitrogen contents of apple leaves with its original spectral and first derivative, screened sensitive wavelengths of each phenophase. The hyperspectral parameters were built with the sensitive wavelengths. Multiple stepwise regressions, partial least squares and BP neural network model were adopted in the study. The results showed that 551 nm, 716 nm, 530 nm, 703 nm; 543 nm, 705 nm, 699 nm, 756 nm and 545 nm, 702 nm, 695 nm, 746 nm were sensitive wavelengths of three phenophases. R551+R716, R551*R716, FDR530+FDR703, FDR530*FDR703; R543+R705, R543*R705, FDR699+FDR756, FDR699*FDR756and R545+R702, R545*R702, FDR695+FDR746, FDR695*FDR746 were the best hyperspectral parameters of each phenophase. Of all the estimation models, the estimated effect of shoot growth phenophase was better than other two phenophases, so shoot growth phenophase was the best phenophase to estimate the nitrogen contents of apple leaves based on hyperspectral models. In the three models, the 4-3-1 BP neural network model of shoot growth phenophase was the best estimation model. The R2 of estimated value and measured value was 0.6307, RE% was 23.37, RMSE was 0.6274.


Author(s):  
Lijuan Huang ◽  
Guojie Xie ◽  
Wende Zhao ◽  
Yan Gu ◽  
Yi Huang

AbstractWith the rapid development of e-commerce, the backlog of distribution orders, insufficient logistics capacity and other issues are becoming more and more serious. It is very significant for e-commerce platforms and logistics enterprises to clarify the demand of logistics. To meet this need, a forecasting indicator system of Guangdong logistics demand was constructed from the perspective of e-commerce. The GM (1, 1) model and Back Propagation (BP) neural network model were used to simulate and forecast the logistics demand of Guangdong province from 2000 to 2019. The results show that the Guangdong logistics demand forecasting indicator system has good applicability. Compared with the GM (1, 1) model, the BP neural network model has smaller prediction error and more stable prediction results. Based on the results of the study, it is the recommendation of the authors that e-commerce platforms and logistics enterprises should pay attention to the prediction of regional logistics demand, choose scientific forecasting methods, and encourage the implementation of new distribution modes.


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