scholarly journals THE NEURAL NETWORK MODEL OF INDIVIDUALS CREDIT RATING

2019 ◽  
Vol 8 (6) ◽  
Author(s):  
Ilyas I. Ismagilov ◽  
Linar A. Molotov ◽  
Alexey S. Katasev ◽  
Dina V. Kataseva
Keyword(s):  
Neural Network ◽  
Network Model ◽  
Neural Network Model ◽  
Credit Rating ◽  
Test Sample ◽  
Training Sample ◽  
Consumer Lending ◽  
The Neural Network ◽  
Intelligent Decision Support Systems ◽  
Model Training

This article solves the problem of constructing and evaluating a neural network model to determine the creditworthiness of individuals. It is noted that the most important part of the modern retail market is consumer lending. Therefore, an adequate and high-quality assessment of the creditworthiness of an individual is a key aspect of providing credit to a potential borrower. The theoretical and practical aspects of assessing the creditworthiness of individuals are considered. To solve this problem, the need for the use of intelligent modeling technologies based on neural networks is being updated. The construction of a neural network model required the receipt of initial data on borrowers. Using correlation analysis, 14 input parameters were selected that most significantly affect the output. The training and test data samples were generated to build and evaluate the adequacy of the neural network model. Training and testing of the neural network model was carried out on the basis of the analytical platform “Deductor”. Analysis of contingency tables to assess the accuracy of the neural network model in the training and test samples showed positive results. The error of the first kind on the data from the training sample was 0.45%, and the error of the second kind was 1.39%. Accordingly, the error of the first kind was not observed on the data from the test sample, and the error of the second kind was 2.68%. The results obtained indicate a high generalizing ability and adequacy of the constructed neural network, as well as the possibility of its effective practical use as part of intelligent decision support systems for granting loans to potential borrowers

scholarly journals Interactive Learning of Dialog Scenarios from Examples

2020 ◽  
Author(s):  
Daiga Deksne ◽  
Raivis Skadiņš
Keyword(s):  
Neural Network ◽  
Network Model ◽  
Neural Network Model ◽  
Interactive Learning ◽  
Neural Model ◽  
Action Prediction ◽  
The Public ◽  
Dialog System ◽  
The Neural Network ◽  
Model Training

This paper reports on the development of a toolkit that enables collecting dialog corpus for end-to-end goal-oriented dialog system training. The toolkit includes the neural network model that interactively learns to predict the next virtual assistant (VA) action from the conversation history. We start with exploring methods for VA dialog scenario learning from examples after we perform several experiments with the English DSTC dialog sets in order to find the optimal strategy for neural model training. The chosen algorithm is used for training the next action prediction model for the Latvian dialogs in the public transport inquiries domain collected using the platform. The accuracy for the English and the Latvian dialog models is similar – 0.84 and 0.86. This shows that the chosen method for neural network model training is language independent.

Estimating Traffic Volume on Minor Roads at Rural Stop-Controlled Intersections using Deep Learning

2019 ◽  
Vol 2673 (4) ◽  
pp. 108-116 ◽  
Author(s):  
Mostafa H. Tawfeek ◽  
Karim El-Basyouny
Keyword(s):  
Neural Network ◽  
Linear Regression ◽  
Network Model ◽  
Neural Network Model ◽  
Deep Neural Network ◽  
Safety Management ◽  
Estimation Method ◽  
Estimation Model ◽  
The Neural Network ◽  
Annual Average Daily Traffic

Safety Performance Functions (SPFs) are regression models used to predict the expected number of collisions as a function of various traffic and geometric characteristics. One of the integral components in developing SPFs is the availability of accurate exposure factors, that is, annual average daily traffic (AADT). However, AADTs are not often available for minor roads at rural intersections. This study aims to develop a robust AADT estimation model using a deep neural network. A total of 1,350 rural four-legged, stop-controlled intersections from the Province of Alberta, Canada, were used to train the neural network. The results of the deep neural network model were compared with the traditional estimation method, which uses linear regression. The results indicated that the deep neural network model improved the estimation of minor roads’ AADT by 35% when compared with the traditional method. Furthermore, SPFs developed using linear regression resulted in models with statistically insignificant AADTs on minor roads. Conversely, the SPF developed using the neural network provided a better fit to the data with both AADTs on minor and major roads being statistically significant variables. The findings indicated that the proposed model could enhance the predictive power of the SPF and therefore improve the decision-making process since SPFs are used in all parts of the safety management process.

Assessment of the Underground Water Contaminated by the Leachate of Waste Dump of Open Pit Coal Mine Based on RBF Neural Network

2012 ◽  
Vol 599 ◽  
pp. 272-277 ◽  
Author(s):  
Zhi Bin Liu ◽  
Xiao Wei Yang
Keyword(s):  
Neural Network ◽  
Network Model ◽  
Neural Network Model ◽  
Coal Mine ◽  
Comprehensive Evaluation ◽  
Rbf Neural Network ◽  
Training Sample ◽  
Underground Water ◽  
Open Pit ◽  
Waste Dump

This paper used RBF artificial neural network to evaluate the underground water contaminated by the leachate of waste dump of open pit coal mine of Xinqiu in Fuxin. Firstly, with the advantages of neural network method in dealing with nonlinear problem, the RBF neural network model was built. Then, the normalized standard matrix was taken as training sample and the MATLAB software was used to train the training sample. Finally, the monitoring data were taken as test samples and were inputted in the RBF neural network model to evaluate the groundwater quality of study area. At the same time, the concept of degree of membership was adopted in the result making it more objective and accurate. The result shows that the ground water of this mining is seriously polluted, class of its pollution is Ⅳ-Ⅴ.The method with strong classification function and reliable evaluation results is simple and effective, and can be widely applied in all kinds of water resources comprehensive evaluation.

Linear Static Response of Suspension Arm Based on Artificial Neural Network Technique

2011 ◽  
Vol 213 ◽  
pp. 419-426
Author(s):  
M.M. Rahman ◽  
Hemin M. Mohyaldeen ◽  
M.M. Noor ◽  
K. Kadirgama ◽  
Rosli A. Bakar
Keyword(s):  
Neural Network ◽  
Finite Element Analysis ◽  
Finite Element ◽  
Network Model ◽  
Neural Network Model ◽  
Mesh Size ◽  
Maximum Displacement ◽  
Element Analysis ◽  
The Neural Network ◽  
The Finite Element Analysis

Modeling and simulation are indispensable when dealing with complex engineering systems. This study deals with intelligent techniques modeling for linear response of suspension arm. The finite element analysis and Radial Basis Function Neural Network (RBFNN) technique is used to predict the response of suspension arm. The linear static analysis was performed utilizing the finite element analysis code. The neural network model has 3 inputs representing the load, mesh size and material while 4 output representing the maximum displacement, maximum Principal stress, von Mises and Tresca. Finally, regression analysis between finite element results and values predicted by the neural network model was made. It can be seen that the RBFNN proposed approach was found to be highly effective with least error in identification of stress-displacement of suspension arm. Simulated results show that RBF can be very successively used for reduction of the effort and time required to predict the stress-displacement response of suspension arm as FE methods usually deal with only a single problem for each run.

scholarly journals Predicting Wins, Losses and Attributes’ Sensitivities in the Soccer World Cup 2018 Using Neural Network Analysis

Sensors ◽  
2020 ◽  
Vol 20 (11) ◽  
pp. 3213 ◽  
Author(s):  
Amr Hassan ◽  
Abdel-Rahman Akl ◽  
Ibrahim Hassan ◽  
Caroline Sunderland
Keyword(s):  
Neural Network ◽  
Network Model ◽  
Neural Network Model ◽  
Average Distance ◽  
Deep Understanding ◽  
The Neural Network ◽  
Testing Error ◽  
Training Error ◽  
Using Data ◽  
The Relationship

Predicting the results of soccer competitions and the contributions of match attributes, in particular, has gained popularity in recent years. Big data processing obtained from different sensors, cameras and analysis systems needs modern tools that can provide a deep understanding of the relationship between this huge amount of data produced by sensors and cameras, both linear and non-linear data. Using data mining tools does not appear sufficient to provide a deep understanding of the relationship between the match attributes and results and how to predict or optimize the results based upon performance variables. This study aimed to suggest a different approach to predict wins, losses and attributes’ sensitivities which enables the prediction of match results based on the most sensitive attributes that affect it as a second step. A radial basis function neural network model has successfully weighted the effectiveness of all match attributes and classified the team results into the target groups as a win or loss. The neural network model’s output demonstrated a correct percentage of win and loss of 83.3% and 72.7% respectively, with a low Root Mean Square training error of 2.9% and testing error of 0.37%. Out of 75 match attributes, 19 were identified as powerful predictors of success. The most powerful respectively were: the Total Team Medium Pass Attempted (MBA) 100%; the Distance Covered Team Average in zone 3 (15–20 km/h; Zone3_TA) 99%; the Team Average ball delivery into the attacking third of the field (TA_DAT) 80.9%; the Total Team Covered Distance without Ball Possession (Not in_Poss_TT) 76.8%; and the Average Distance Covered by Team (Game TA) 75.1%. Therefore, the novel radial based function neural network model can be employed by sports scientists to adapt training, tactics and opposition analysis to improve performance.

Credit Scoring Using Supervised and Unsupervised Neural Networks

2002 ◽  
pp. 154-166 ◽  
Author(s):  
David West ◽  
Cornelius Muchineuta
Keyword(s):  
Neural Network ◽  
Neural Networks ◽  
Decision Support ◽  
Network Model ◽  
Neural Network Model ◽  
Credit Scoring ◽  
Self Organizing Map ◽  
Subprime Lending ◽  
The Neural Network ◽  
Combined Use

Some of the concerns that plague developers of neural network decision support systems include: (a) How do I understand the underlying structure of the problem domain; (b) How can I discover unknown imperfections in the data which might detract from the generalization accuracy of the neural network model; and (c) What variables should I include to obtain the best generalization properties in the neural network model? In this paper we explore the combined use of unsupervised and supervised neural networks to address these concerns. We develop and test a credit-scoring application using a self-organizing map and a multilayered feedforward neural network. The final product is a neural network decision support system that facilitates subprime lending and is flexible and adaptive to the needs of e-commerce applications.

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