基于模糊神经网络的企业信用风险评估模型研究

摘要

根据浙江省企业信用评价指导性标准和规范所确定的企业信用评价指标体系，建立了模糊神经网络的企业信用风险评估模型。该模型中确定的模糊规则层具有自调节的功能，可以较好地实现对企业信用风险的评价。利用MATLAB 2010a编程对样本数据进行实证分析，结果表明模糊神经网络评价企业信用风险具有较高的准确性和稳定性。%According to the corporate credit evaluation index system stipulated by Zhejiang province enterprise credit evaluation guideline standards and specifications, the author establishes the corporate credit risk fuzzy neural network evaluation model. In this paper, the fuzzy rule layers determined in this model have self-adjustment function, and can better realize the evaluation of corporate credit risk. The author conducted the empirical Analysis on sample data by using MATLAB 2010a programming, of which the results show that the fuzzy neural network evaluation of corporation credit risk can be with higher accuracy and stability.