The Research Of Bank Loans Risk Classification Intelligent Decision Support System

Along with computer technique and artificial intelligent technical development continuously, the intelligent decision technique gets the research with application in many realms, exerting more and more important function. This lesson is based on relevant knowledge and technique for domain of artificial intelligence and decision support system, in allusion to credit capital business of commercial bank, designs the bank loans risk classification system. The system can not only make user with simple operation to get science accurate loan risk classification evaluation result, but also can make user increasing, modifying and deleting knowledge to the system, training the nerve network etc., which is operation maintaining by oneself. It is certainly actual meaning to bank controlling and being against loans risk.This text is on the basis of discussing the present relevant technique and theories at first, through conceiving to the global design of the system, frame structure, and after the function of every function module is divided etc. and carries on careful, deep analysis, studies, and puts forward to the feasible technological route and practice strategy.Synthesize advantages of the expert system and the BP nerve network in both qualitative knowledge illation and quantitative model and numerical value in the decision support system, establish bank loans risk classification intelligent decision model.After analysis and research for relevant theories of expert system, manage to design and realize the knowledge base, knowledge base mold etc., and design the corresponding reasoning algorithm of machine, do deeply work for expression to knowledge, knowledge acquisition and reasoning organization.In system, design the borrowing business enterprise financial standing BP nerve network model, make system increment from study ability with to environment from orientation ability.In the aspects of handing over with each other operation, design the handing overinterface according to user's demand. And user can operate expediently and fast, and get a decision for needing information quickly.This lesson takes on extensive theories and practice value. And it gets great support from Bank of Communications Shenyang Branch. The system has functioned actually, and it is valid. The system realizes intelligentized decision of bank loans risk classification, and it can support bank to make the decision, control and reduce the risk of the loans on a certain degree. And it produces a route for research on intelligentization of commercial bank credit management. This is a beneficial attempt to intelligentization, standardization and scientization of commercial bank credit management. The intelligent decision in financial realm has many contents to need the further research and perfect.