Research On Credit Risk Evaluation Of Minsheng Bank Based On BP Neural Network

Along with the market economic system gradually establish and perfect,China's economic development has made remarkable achievements.However the ongoing economic reform to break the highly centralized and unified credit system under the planned economy system and at the same time,but has not established credit system conforming to market norms.Facing commercial bank credit risk is the most traditional risk of the most basic form,is also the most difficult to control and manage the risk of form.Therefore,the increase of commercial Banks credit risk management theory and method of research,to explore the mechanism and characteristics of credit risk management method has great practical significance.This paper established the corresponding BP neural network,according to people's livelihood bank credit rating index system,selection of 20 enterprise credit rating information as training samples of BP neural network,select 10 enterprise credit rating information as the BP neural network of test samples.Will BP neural network training,the training sample input to the BP neural network according to the credit of enterprise credit scoring error between the output value and real value continuously adjust the weights between neurons and threshold,when error of meet the requirements,the BP neural network to complete the training.After completing training BP neural network,this paper established the BP neural network for inspection,will be completed test sample input training BP neural network,complete the training of BP neural network will be calculated according to the enterprise's credit rating information forecast of enterprise credit score.Calculation results show that this paper established the BP neural network high accuracy,can predict the credit risk in the process of evaluation of commercial bank credit,so that the commercial Banks to avoid credit risk,in the process of credit risk early warning function.