Research of Credit Grade Assessment for SMB Based on Multi-Layer SVM Classifier
نویسندگان
چکیده
It is very important to get financial supporting for Small and Medium Business(SMB) from the banks, which can set up a effective credit assessing system so that it can dispel misgiving of bank in the cause of the loaning to SMB. According to the credit grade assessment for SMB in practice and the related theories, a set of index system which assesses a SMB’s credit grade is established. Basing on the index system, a multi-layer support vector machines (SVM) classifier is established to assess and classify the SMB’ credit grade. In order to verify the effectiveness of the method, a real case is given and BP neural network is also used assess the same data. The experimental results show that multi-layer SVM classifier is effective in credit level assessment and achieves better performance than BP neural network.
منابع مشابه
Condition Assessment of Metal Oxide Surge Arrester Based on Multi-Layer SVM Classifier
This paper introduces the indicators for surge arrester condition assessment based on the leakage current analysis. Maximum amplitude of fundamental harmonic of the resistive leakage current, maximum amplitude of third harmonic of the resistive leakage current and maximum amplitude of fundamental harmonic of the capacitive leakage current were used as indicators for surge arrester condition mon...
متن کاملResearch on Credit Risk Assessment in Commercial Bank Based on Information Integration
Credit risk is the main risk faced by commercial bank during operation, how to manage credit risk is a focus for financial specialists. Therefore effective assessment of credit risk is very important. The risks faced by banks during operation can be regarded as a kind of research of uncertain problems’ study. The essence of multi-sensor data integration is as follows: to have a best decision ac...
متن کاملSUBCLASS FUZZY-SVM CLASSIFIER AS AN EFFICIENT METHOD TO ENHANCE THE MASS DETECTION IN MAMMOGRAMS
This paper is concerned with the development of a novel classifier for automatic mass detection of mammograms, based on contourlet feature extraction in conjunction with statistical and fuzzy classifiers. In this method, mammograms are segmented into regions of interest (ROI) in order to extract features including geometrical and contourlet coefficients. The extracted features benefit from...
متن کاملCredit scoring with a data mining approach based on support vector machines
The credit card industry has been growing rapidly recently, and thus huge numbers of consumers’ credit data are collected by the credit department of the bank. The credit scoring manager often evaluates the consumer’s credit with intuitive experience. However, with the support of the credit classification model, the manager can accurately evaluate the applicant’s credit score. Support Vector Ma...
متن کاملA DWT and SVM based method for rolling element bearing fault diagnosis and its comparison with Artificial Neural Networks
A classification technique using Support Vector Machine (SVM) classifier for detection of rolling element bearing fault is presented here. The SVM was fed from features that were extracted from of vibration signals obtained from experimental setup consisting of rotating driveline that was mounted on rolling element bearings which were run in normal and with artificially faults induced conditio...
متن کامل