Secured Credit Rating And Risk Assessment System Based On Fuzzy Neural Network

Small and medium-sized enterprises have been playing a extremely important role in the national economy. Currently credit lack and financing bottle-neck are main restrictions on the development of our Small and medium-sized enterprises. The intervention of credit guarantee improves the credit environment and strengthens the credit of small and medium-sized enterprise and therefore, becomes one of the preconditions for banks to expand the support to those enterprises. Credit guarantee shifts the bank credit risks which banks can't undertake and guarantee institutions make profits through absorbing the risks that they are able to assume. Credit guarantee is world-widely accepted high-risk industry and the issues of credit guarantee risks have become the universal projects. The credit guarantee of China featuring as high-risk industry is in the initial stage and guarantee institutions mainly supply guarantee for small and medium-sized enterprises, which reflects, to some extent, the support of nation-made policies. Therefore, possessing the professional ability to assess and control the credit guarantee risks becomes critical importance to the healthy and sustainable development as well as the functional implementation of Chinese industry of credit guarantee. This thesis is based on the above analysis.The administration of credit risk has been in the long term the focus of financing industry home and abroad. In western countries the administrative techniques have been well improved and a large number of quantitative techniques and tools as well as software have come into use, among which statistical methods have been used widely succeeding the traditional proportion analysis. Statistical methods also have limitations which prevent the methods from functioning well in China whose economy develops fast and credit system is lagged. Therefore, it is necessary to introduce a new method to construct a model to solve the problem arising in credit and risk assessment. The thesis starts with the introduction of current situation and demand of guarantee industry and the analysis of all sorts of credit assessment models. Then it proposes the credit and risk assessment model based on the fuzzy neural network, and illustrates the model's structure and calculating methods. On the other hand the present research takes around 200 enterprises in Jilin Province as subjects, among which some training samples and testing samples after conducting the preliminary analysis. In accordance with the financial data of the enterprises, the research presents eight items of proportion as the input variables and carries out the training and testing of the model as well as the analysis of the model's function so that the model designed can be improved and perfected.In the recent years, the informationization level of the guarantee institutions has achieved rapid progress, but there still exists between ours and those of the western advanced countries a large gap which reflects that guarantee institutions deals with business in nonstandard way, after service is formalistic, the index of risk control is morbid, the effective analysis models are devoid, the tools to control risk analysis are scanty, the working staff have to be busy with collecting and keeping data and have little time to make analysis of business, guarantee institutions make policies freely, therefore, they seldom take precautions to prevent the risks. How to reduce the risk and stabilize the financial market is of critical importance to our economy. The best way for guarantee institutions to control the risk is to establish auto-control system, use quantitative method to replace traditional policy making method and employ informationization method to substitute manual administration method. The System of Guarantee Credit Rating Risk and Assessment has been designed on the base of fuzzy neural network. On the base of public business platform, network connection and information share as well as index of risk control, establishing dynamic risk assessment system is favorable to the auto hint rating of program risk, accumulation of enterprises' profits, reducing the labor intensity. By doing this, we can keep our financial market stable and realize the aim to accelerate the development of our economy.The guarantee credit rating and risk assessment system based on fuzzy neural network in the present research solve the problems existed in the administration of guarantee industry. The thesis proposes that guarantee company and all the other departments and faculties are supposed to be connected through computer network so as to meet the demand of specific business. We can establish software administrative system centered on guarantee business, among which each information operation can be regarded as an individual and all the individuals can be integrated as a unity to deal with numerous information. The consumers, as a unity, still play a dominant role in solving those difficult problems. The cooperation from those individuals provides us with working environment, tools and important information, and also take human's place to accomplish some complicated and fussy jobs. Our consumers can use all functional parts to interact with all the departments and working staff so as to finish the jobs effectively. The system helps to realize information share in that once the data of the company are recorded, the data can be used many times. All the data are transferred through internet, which is favorable for the central leaders to have all the work under control and adjust the working focus. We propose to assess the credit rating of the consumers in accordance with the genre of index, index and the basic information of the consumers. The template function can generate the report of consumers rating and help to realize the information share with those of the third rating institution. The system proposed in our research can shift all sorts of checkup information, examining information and daily noticing information. Thus it can meet the demand of the guarantee institution to realize office automation.The credit rating and risk assessment system introduced in the thesis has been widely used in the guarantee companies at all levels in Jilin Province. The whole system functions well and promotes the development of guarantee industry along systematic, scientific and standardized lines, resulting in good economic and social benefit.