Credit Risk Measurement Study of Commercial Banks Based on the Innovation Discrete Hopfield Neural Network Model

2021 ◽  
Vol 17 (2) ◽  
pp. 13-27
Author(s):  
Yawen Zhao ◽  
Yongmei Sun
Author(s):  
Karim Achour ◽  
Nadia Zenati ◽  
Oualid Djekoune

International audience The reduction of the blur and the noise is an important task in image processing. Indeed, these two types of degradation are some undesirable components during some high level treatments. In this paper, we propose an optimization method based on neural network model for the regularized image restoration. We used in this application a modified Hopfield neural network. We propose two algorithms using the modified Hopfield neural network with two updating modes : the algorithm with a sequential updates and the algorithm with the n-simultaneous updates. The quality of the obtained result attests the efficiency of the proposed method when applied on several images degraded with blur and noise. La réduction du bruit et du flou est une tâche très importante en traitement d'images. En effet, ces deux types de dégradations sont des composantes indésirables lors des traitements de haut niveau. Dans cet article, nous proposons une méthode d'optimisation basée sur les réseaux de neurones pour résoudre le problème de restauration d'images floues-bruitées. Le réseau de neurones utilisé est le réseau de « Hopfield ». Nous proposons deux algorithmes utilisant deux modes de mise à jour: Un algorithme avec un mode de mise à jour séquentiel et un algorithme avec un mode de mise à jour n-simultanée. L'efficacité de la méthode mise en œuvre a été testée sur divers types d'images dégradées.


Author(s):  
Yihui Chen ◽  
Mingli Yang

The teaching ability of College Teachers is regarded as one of the core competencies and a critical indicator for measuring comprehensive strength for a college. However, its evaluation process is a highly complex system decision-making, for there are various factors that influence on the assessment of for the College Teachers’ the teaching ability. The traditional methods have drawbacks of strong subjectivity, so they are difficult to correctly evaluate the teaching ability of College Teachers, resulting in decrease of measurement accuracy. Based on the analysis of the relevant factors, this paper presents an intelligent design based neural network model of discrete Hopfield for the measurement and analysis of College Teachers' teaching ability. Firstly, a Hopfield neural network model for the measure analysis of the teaching ability is established, and eleven measure analysis indexes are selected as input information of the Hopfield neural network model. Secondly, the College Teachers' teaching ability grades are chosen as the model output, then the input and output model based on the relationship among the self-learning abilities of neural network is established. Finally, the simulation experiment is obtained by using MATLAB. The simulation results show that the model has the characteristics of high efficiency, objectivity and fairness, which can meet the requirements of the measurement and analysis of College Teachers' teaching ability.


2020 ◽  
Vol 17 (4) ◽  
pp. 045201 ◽  
Author(s):  
Ge Liu ◽  
Wen-Ping Ma ◽  
Hao Cao ◽  
Liang-Dong Lyu

2009 ◽  
Vol 19 (04) ◽  
pp. 285-294 ◽  
Author(s):  
ADNAN KHASHMAN

Credit scoring is one of the key analytical techniques in credit risk evaluation which has been an active research area in financial risk management. This paper presents a credit risk evaluation system that uses a neural network model based on the back propagation learning algorithm. We train and implement the neural network to decide whether to approve or reject a credit application, using seven learning schemes and real world credit applications from the Australian credit approval datasets. A comparison of the system performance under the different learning schemes is provided, furthermore, we compare the performance of two neural networks; with one and two hidden layers following the ideal learning scheme. Experimental results suggest that neural networks can be effectively used in automatic processing of credit applications.


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