scholarly journals Construction of Credit Risk Evaluation System for Small and Medium-Sized Enterprises: Based on Principal Component Analysis and Logistic Model

Author(s):  
Qiguang An ◽  
Yuyang Zhao
Author(s):  
Novan Wijaya

Credit risk evaluation is an importanttopic in financial risk management and become a major focus in the banking sector. This research discusses a credit risk evaluation system using an artificial neural network model based on backpropagation algorithm. This system is to train and test the neural network to determine the predictive value of credit risk, whether high riskorlow risk. This neural network uses 14 input layers, nine hidden layers and an output layer, and the data used comes from the bank that has branches in EastJakarta. The results showed that neural network can be used effectively in the evaluation of credit risk with accuracy of 88% from 100 test data


2020 ◽  
pp. 004051752097720
Author(s):  
Yuan Tian ◽  
Yi Sun ◽  
Zhaoqun Du ◽  
Dongming Zheng ◽  
Haochen Zou ◽  
...  

Down jacket fabric is greatly important in determining the quality of a down jacket. In order to enrich the research on fabric handle, subjective and objective evaluations were made for down jacket fabrics that were less studied. The comprehensive handle evaluation system for fabrics and yarns (CHES-FY) can be used to evaluate the tactile handle of the fabric by accurately and efficiently measuring the basic mechanical properties of the fabric. Therefore, the CHES-FY was used to link the objective evaluation with the subjective handle, so as to effectively estimate the total handle value of the down jacket fabric. Fifty-two kinds of down jacket fabrics were objectively tested through measuring 17 extracted parameters, and principal component analysis was adopted to establish the five main handle characteristics of fullness, softness, stiffness, smoothness, looseness and tightness to characterize basic style of the down jacket fabrics. The results showed that the subjective and objective results were in good agreement. These characteristics can be used as indicators to characterize fabric performance, and the principal component expression to characterize fabric handle can better predict the handle characteristics of down jacket fabrics. This also proves that the CHES-FY can quickly and accurately obtain the fabric handle value, and can also evaluate the fabric quality level.


2009 ◽  
Vol 65 (2) ◽  
pp. 564-578 ◽  
Author(s):  
Tomoaki SATOMI ◽  
Kazunari SAKO ◽  
Ikuo YASUKAWA ◽  
Ryoichi FUKAGAWA

2014 ◽  
Vol 687-691 ◽  
pp. 5124-5127 ◽  
Author(s):  
Xin Zhao ◽  
Ren Liang Shan ◽  
Jia Qi Li

In the paper, by designing evaluation system, capital construction investment efficiency of 13 coal mines in Shanxi province is analyzed through using principal component analysis. Meanwhile comprehensive scores of capital construction efficiency are calculated. The highest score and the lowest score are 3.813 and-1.141, respectively. Finally, 13 coal mines are divided into three levels, sufficiently distinguishing capital construction efficiency of those coal mines.


2015 ◽  
Vol 738-739 ◽  
pp. 271-274
Author(s):  
Yi Xin Sun ◽  
Hong Xing Wei ◽  
Qing You Yan

This paper used financial analysis, facing on the current risk management of grid corporate assets, took the principal component analysis as the basic method. It identified five specific analysis of the control grid enterprise asset management risks, and choose the actual data for empirical analysis.


Author(s):  
Abhinaba Dattachaudhuri ◽  
Saroj Kr. Biswas ◽  
Sunita Sarkar ◽  
Arpita Nath Boruah ◽  
Manomita Chakraborty ◽  
...  

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