Risk Assessment Studies Based On The Loss Of The Fnn Bank Credit Card Customers

Credit card business is highly valued nowdays in China,but compare with developed country such as USA and Japan,our banking corporations' strategic resource is still in the early stage.For a long time,China's loan quality is divided into normal and unsound categories in terms of the time limit.The evaluation of risk is not only just theoretical deduce and hypothesis of cases but also a key factor driving banking profitability.A practical software system is urgently needed to realize the efficient evaluation of credit card risk control.This text inquirying into it to our country the credit risk and guard against the apocalypse function.Based on the research of credit card risk evaluation system under fuzzy neural network this thesis tries to bring forward a solution to evaluate credit card risk.It contrasts the method based on fuzzy neural network with other traditional evaluation methods.It also analyzes the advantages and challenges of applying fuzzy neural network,as well as its feasility and applicality.Then,from the aspect of system design,this thesis gives a complete introduction of the R＆D process of credit card evaluation system based on fuzzy neural network.After the analysis of demand,basic modules of the system are established.It introduces a multi-level framework of C/S with B/S,and analyzes the advantages of this method,and how to realize it.In the end,it gives an example of how to develop a credit card risk evaluation system.Since credit card risk evaluation system based on fuzzy neural network is still quite rare nowadays,this thesis can be the theoretical basis and guideline of system development.The solution of some key technologies is especially of use,for example,the sample filter and function databank based on COBOL,JAVA and XML,are concluded from personal experience.This kind of innovative technologies can also be applied into the realization of other fuzzy neural network systems.