Fuzzy Neural Network-based Evaluation Model on Chinese Area's Macroscopical Credit

摘要

Traditional credit evaluation models failed to produce partial results due to their ignorance of the whole risks of credit environment. An excellent evaluating model on credit should take into account the credit environment impersonally and comprehensively. In this paper, a novel area's macroscopical credit evaluation model based on Fuzzy Neural Network is constructed. A set of scientific and reasonable evaluating indexes are extracted from feature space of macroscopical credit, then based on these indexes a Fuzzy Neural Network (FNN) model on credit evaluation is constructed and applied into the practical credit evaluation of some Chinese provinces randomly selected for the first time. Results show our model is both practical and capable.