scholarly journals Banks' Micro Enterprises Loan Credit Risk Decision-making Model Innovation in the Era of Big Data and Internet Finance

2014 ◽  
Vol 5 (2) ◽  
Author(s):  
Junxuan Zhu ◽  
Zhe Huang
Keyword(s):  
Decision Making ◽  
Big Data ◽  
Credit Risk ◽  
Internet Finance ◽  
Decision Making Model ◽  
Micro Enterprises ◽  
Risk Decision

scholarly journals Research on Credit Risk Measurement of Small and Micro Enterprises Based on the Integrated Algorithm of Improved GSO and ELM

2020 ◽  
Vol 2020 ◽  
pp. 1-14
Author(s):  
Li Jingming ◽  
Li Xuhui ◽  
Dai Daoming ◽  
Ruan Sumei ◽  
Zhu Xuhui
Keyword(s):  
Big Data ◽  
Credit Risk ◽  
Extreme Learning Machine ◽  
Risk Measurement ◽  
Theoretical Research ◽  
Swarm Optimization ◽  
Glowworm Swarm Optimization ◽  
Learning Machine ◽  
Credit Risk Measurement ◽  
Micro Enterprises

Small and micro enterprises play a very important role in economic growth, technological innovation, employment and social stability etc. Due to the lack of credible financial statements and reliable business records of small and micro enterprises, they are facing financing difficulties, which has become an important factor hindering the development of small and micro enterprises. Therefore, a credit risk measurement model based on the integrated algorithm of improved GSO (Glowworm Swarm Optimization) and ELM (Extreme Learning Machine) is proposed in this paper. First of all, according to the growth and development characteristics of small and micro enterprises in the big data environment, the formation mechanism of credit risk of small and micro enterprises is analyzed from the perspective of granularity scaling, cross-border association and global view driven by big data, and the index system of credit comprehensive measurement is established by summarizing and analyzing the factors that affect the credit evaluation index. Secondly, a new algorithm based on the parallel integration of the good point set adaptive glowworm swarm optimization algorithm and the Extreme learning machine is built. Finally, the integrated algorithm based on improved GSO and ELM is applied to the credit risk measurement modeling of small and micro enterprises, and some sample data of small and micro enterprises in China are collected, and simulation experiments are carried out with the help of MATLAB software tools. The experimental results show that the model is effective, feasible, and accurate. The research results of this paper provide a reference for solving the credit risk measurement problem of small and micro enterprises and also lay a solid foundation for the theoretical research of credit risk management.

Risk decision-making model for reservoir floodwater resources utilization

2018 ◽  
Vol 77 (15) ◽  
Author(s):  
Xianfeng Huang ◽  
Wanyu Li ◽  
Guohua Fang ◽  
Yingqin Chen ◽  
Lixiang Zhu ◽  
...  
Keyword(s):  
Decision Making ◽  
Decision Making Model ◽  
Risk Decision

scholarly journals Risk Assessment of Internet Credit Based on Big Data Analysis

2020 ◽  
Vol 214 ◽  
pp. 01012
Author(s):  
WANG HAORU ◽  
Yi Zhixuan ◽  
WEI YUJIA ◽  
Tianpeng Yao ◽  
Zhao Shuoheng ◽  
...  
Keyword(s):  
Risk Assessment ◽  
Big Data ◽  
Data Analysis ◽  
Credit Risk ◽  
Commercial Banks ◽  
Big Data Analysis ◽  
Financial Fraud ◽  
Credit Risk Assessment ◽  
New Business ◽  
Internet Finance

In recent years, network technology has continued to develop, and Internet finance has rapidly developed into a new business area. Internet credit is one of the important ways for banks to conduct business, and the scale of online credit has continued to expand. Due to the existence of various unpredictable factors, frequent emergencies, and online financial fraud, the overall market risk in the field of online credit has increased, and the rate of non-performing loans has continued to increase. Online financial fraud cases show that online credit risk has become one of the most prominent risks in the operation of commercial banks, which has a direct impact on the stability and development of commercial banks. We can build a bank database system based on big data, introduce professional big data analysis technical personnel, and constantly improve the big data sharing analysis platform, so that commercial banks can use system data more fully and effectively, and facilitate relevant business personnel to use big data technology for analysis and calculation. Big data is constantly produced, which provides basic materials for online credit risk assessment. Big data analysis technology is gradually mature, and it has the necessary conditions for online credit risk assessment. Based on the theories and technologies related to big data analysis, this paper comprehensively evaluates the online credit risk in the form of example data analysis, thereby effectively reducing the online credit risk coefficient.

scholarly journals Decision-Making Model of Product Modeling Big Data Design Scheme Based on Neural Network Optimized by Genetic Algorithm

2021 ◽  
Vol 2021 ◽  
pp. 1-8
Author(s):  
Ming Hu
Keyword(s):  
Neural Network ◽  
Genetic Algorithm ◽  
Decision Making ◽  
Big Data ◽  
Product Design ◽  
Final Decision ◽  
Product Modeling ◽  
Automatic Driving ◽  
Design Scheme ◽  
Decision Making Model

At present, machine learning artificial neural network technology, as one of the core technologies of enterprises, has received unprecedented attention. This technology is widely used in automatic driving, pattern recognition, teaching aid, product modeling, and other fields. According to the development of product design, this paper analyzes the factors that affect the decision-making of product design. The neural network optimized by genetic algorithm is studied, and the technical analysis of neural network algorithm before and after optimization is mainly carried out. The basic process of product modeling design model based on image processing under the background of big data is introduced. The multidirectional group decision-making model of product modeling design scheme in big data cloud environment is constructed. The final decision model can improve the overall design efficiency, shorten the manufacturing period, and provide a new idea for product modeling design.

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