Study On Risk Pre-warning System Of Chinese Commercial Banks Based On Artificial Neural Network Model

The international financial crisis broke out in2008.Global commercial Banks operating performance have been hitten in the crisis.The demand of Pre-warning for commercial banks was growing. The Chinese commercial banking development started late. And before the restructuring,all the State-owned commercial banks had so many disadvantages and limitations.It have make the weekness of commercial banks in risk Pre-warning system. And the method is relatively lack.Most of the domestic and foreign scholars is studying on a single commercial banks risk Pre-warning or just focus on a particular category. For our country commercial banks risk Pre-warning system is still lack of the corresponding research achievements.However, Individual risk Pre-warning cannot cover the risk of commercial bank system.It is hard to provide the most scientific and reasonable warning indicator for financial crisis. The study based on Chinese whole commercial banking system.Trying to establish the risk early Pre-warning model which may in line with the actual.And it may help us to make our country commercial bank system developing stably.In this paper,firstly,make the objective and reasonable state of the situation of domestic and foreign financial environment.And have dicussed the necessity to establish the Pre-warning system for Chinese commercial banks.At the same time,organize the relevant research results of individual commercial Banks risk Pre-warning system. And the study have showed the corresponding research results on financial crisis pre-warning at the same time.It may make the foundation of the index system establishment and statistical methods choose.Secondly,based on the reserch results,we can easily know that most of scholars used Index system method to pre-warning risk of commercial Banks.Because it can both meet the requirment of Basel and regulatory requirements of domestic. And it can be combined with a variety of statistical methods. Analysis of our current country commercial bank system risk Pre-warning methods.And points out the shortage of it. Thirdly,Study describes the basic principle of artificial neural network model.Artificial Neural Network model is discussed with its modern development course.And discusses the feasibility and advantage by using Artificial Neural Network model.Adopted the "teacher learning" in network training. The network output was decided by using Expert Analysis.At last, collecting and processing experimental data samples.The training sample was imported into the network for training.Combining with the preliminary analysis and research conclusions of this study. And then the network should be test by import the testing sample.And the reserach point out the attentions in building Chinese commercial bank risk Pre-warning system.