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Credit risk assessment of small and medium-sized enterprises in supply chain finance based on SVM and BP neural network

  • S.I. : Machine Learning based semantic representation and analytics for multimedia application
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Abstract

Our country’s market economy is composed of enterprises. However, due to their inherent credit deficiencies and high risks of management, it is very difficult for them to obtain financing support. Based on this, this article studies Error Back Propagation (BP) to establish (SMEs). Based on the relevant concepts of the supply chain management budget model, it explores the main factors influencing the financial impact of SMEs and the benefits of the supply chain budget in solving problems expenditure of SMEs, support vector machine is mainly based on solving the main credit risks of small and medium-sized enterprises, such as poor information transparency, low credit and various risk unknown factors. BP neural network is an algorithm that takes into account the components of supply chain financial financing. This article first gives a simple background and theoretical introduction to the under the current supply chain finance model, and then proposes to use SVM and BP neural network algorithms to build and the model has been trained and tested. After collecting relevant references, we will establish authoritative risk assessment rules in accordance with this article according to these standards. These experts are mainly people with many years of experience in the financial industry, and they also have a certain influence in the industry. The risk assessment established for this can be the analysis of factors such as risk indicators and government intervention in this experiment.

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Authors and Affiliations

  1. School of Management and Economics, North China University of Water Resources and Electric Power, Zhengzhou, 450046, Henan, China

    Jingfeng Zhao & Bo Li

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  1. Jingfeng Zhao
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  2. Bo Li
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Correspondence to Bo Li.

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Zhao, J., Li, B. Credit risk assessment of small and medium-sized enterprises in supply chain finance based on SVM and BP neural network. Neural Comput & Applic 34, 12467–12478 (2022). https://doi.org/10.1007/s00521-021-06682-4

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  • DOI: https://doi.org/10.1007/s00521-021-06682-4

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