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Optimization of Bank Credit Customer Financial Rating Model Based on Artificial Intelligence Algorithm

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2021 International Conference on Applications and Techniques in Cyber Intelligence (ATCI 2021)

Part of the book series: Advances in Intelligent Systems and Computing ((AISC,volume 1398))

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Abstract

At present, financial analysis is still the main method to evaluate the risk of corporate credit customers. However, the design and modification of financial analysis model in credit practice are mostly based on the statistical data and experience of a certain section, which is not scientific and verifiable. In this paper, we try to apply the genetic algorithm model in the field of artificial intelligence to establish a set of solutions for the continuous iterative optimization of financial model parameters, and preliminarily verify its effectiveness, and discuss its possible shortcomings and development direction.

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References

  1. Yin, K., Liu, X.: Research on credit rating model based on commercial banks. Econ. Manage. Rev. 22 (2006)

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Acknowledgements

Optimization of Financial Rating Model for Bank Credit Customers Based on Artificial Intelligence Algorithm by the Provincial Basic Business Fee Project of Harbin Institute of Finance(2018-KYYWF-E007).

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Authors and Affiliations

  1. Harbin Finance University, Harbin, 150030, Heilongjiang, China

    Li Lin

Authors
  1. Li Lin
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Editors and Affiliations

  1. Faculty of Science, Engineering and Buil, Deakin University, Geelong, VIC, Australia

    Jemal Abawajy

  2. School of Computer Engineering and Sciences, Shanghai University, Shanghai, China

    Zheng Xu

  3. School of Computer Science, University of Oklahoma, Norman, OK, USA

    Mohammed Atiquzzaman

  4. Department of Information Systems and Cyber Security, University of Texas at San Antonio, San Antonio, TX, USA

    Xiaolu Zhang

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Lin, L. (2021). Optimization of Bank Credit Customer Financial Rating Model Based on Artificial Intelligence Algorithm. In: Abawajy, J., Xu, Z., Atiquzzaman, M., Zhang, X. (eds) 2021 International Conference on Applications and Techniques in Cyber Intelligence. ATCI 2021. Advances in Intelligent Systems and Computing, vol 1398. Springer, Cham. https://doi.org/10.1007/978-3-030-79200-8_105

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