Research Of Loan Classification Model Based On Artificial Intelligence

This paper deals with the based risk loan classification of commercial banks with the methods of Expert System and Neural Network which belong to the Article Intelligence. The factors that influents the loan quality include the finance, the cash flow, the credit support and so on. In this paper, it chose the proper data and index to build the training set. Through hundreds times training, it finally built the neural network. Then, it used the neural network to analyst the finance factor and the cash flow. It used the Expert System dealing with the non-finance factor. First, building index system for the non-finance analysis; second, analyzing the non-finance factor with the Expert System, Finally it got the result of the non-finance analysis. After the analysis of the three parts, it used the Expert System again with the factor of the credit support to get the final loan classification.