商业银行人工智能信贷决策模型研究

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1、͋ࡽ๖႕ⶄบ႕Ѽ䃩᪶͉͂႕Ѽ䇰ᮽ从ⴤφ୼ѐ䬬㺂ӰᐛᲰ㜳ؗ䍭ߩㆌ⁗ශ⹊ガᆜփ㊱ࡡφᐛぁ㇗⨼⺋༡щѐ亼ตφᐛぁ㇗⨼㘻ဉ੃φਨᗗѣᆜਭφ2142014᤽ሲ㘷ᐾφᵧ᱄ᇂᡆᰛᵕφ2018ᒪ5ᴾьॾབྷᆖ⺅༛ᆖս䇪᮷ㆄ䗙ငઈՊᡀઈ਽অဃ਽㙼〠㙼࣑ᐕ֌অս༷⌘㤳ᆿᮉᦸㆄ䗙ငઈՊѫᑝьॾབྷᆖк⎧Շᚂؑ᚟ӗъ㛑ԭᴹ⦻ঐᆿᮉᦸ㓗儈ᐕㆄ䗙ငઈՊငઈ䲀ޜਨㄐᱝ䖹ᮉᦸㆄ䗙ငઈՊငઈьॾབྷᆖ༿ሿ⧢ᮉᦸㆄ䗙ငઈՊငઈьॾབྷᆖ哴≨ጠ࢟ᮉᦸㆄ䗙ငઈՊငઈьॾབྷᆖᵡ᰾࢟ᮉᦸㆄ䗙ငઈՊ〈Җьॾབྷᆖьॾབྷᆖᆖս䇪᮷৏ࡋᙗ༠᰾ђ঄ཝᆜᆜփ䇰ᮽ

2、৕ࡑᙝ༦᱄ᵜӪ䜁䟽༠᰾˖ᡁᚚᆸᆖᵟ䚃ᗧˈጷቊѕ䉘ᆖ仾DŽᡰ੸ӔⲴᆖս䇪᮷ˈᱟᵜӪ൘ሬᐸⲴᤷሬлˈ⤜・䘋㹼⹄ウᐕ֌ᡰਆᗇⲴᡀ᷌DŽ䲔᮷ѝᐢ᰾⺞⌘᰾઼ᕅ⭘Ⲵ޵ᇩཆˈᵜ䇪᮷нवਜ਼ԫօަԆњӪᡆ䳶փᐢ㓿ਁ㺘ᡆ᫠߉䗷Ⲵ֌૱৺ᡀ᷌Ⲵ޵ᇩDŽ䇪᮷ѪᵜӪӢ㠚᫠߉ˈᡁሩᡰ߉Ⲵ޵ᇩ䍏䍓ˈᒦᆼޘ᜿䇶ࡠᵜ༠᰾Ⲵ⌅ᖻ㔃᷌⭡ᵜӪ᢯ᣵDŽᆖս䇪᮷֌㘵ㆮ਽˖ਢᗑѝᰕᵏ˖2018ᒤ5ᴸ20ᰕьॾབྷᆖᆖս䇪᮷⡸ᵳ⭘ᦸᵳҖᆜփ䇰ᮽ⡾ᵹ⭞ᦾᵹҜᆖս䇪᮷֌㘵ᆼޘҶ䀓ᆖṑᴹޣ؍⮉ǃ⭘ᆖս䇪᮷Ⲵ㿴ᇊˈ਼᜿ᆖṑ؍⮉ᒦੁഭᇦᴹޣ䜘䰘ᡆᵪᶴ䘱Ӕ䇪᮷Ⲵ༽ঠԦ઼

3、⭥ᆀ⡸ˈ䇨䇪᮷㻛ḕ䰵ᡆُ䰵DŽᵜӪᦸᵳьॾབྷᆖਟԕሶᵜᆖս䇪᮷Ⲵޘ䜘ᡆ䜘࠶޵ᇩ㕆ޕᴹޣᮠᦞᓃ䘋㹼Ự㍒ˈਟԕ䟷⭘ᖡঠǃ㕙ঠᡆᢛ᧿ㅹ༽ࡦ᡻⇥؍ᆈ઼≷㕆ᵜᆖս䇪᮷DŽ؍ᇶ£ˈ൘ᒤ䀓ᇶਾ䘲⭘ᵜ⡸ᵳҖDŽᵜᆖս䇪᮷኎Ҿн؍ᇶXDŽᆖս䇪᮷֌㘵ㆮ਽˖ਢᗑѝᤷሬᮉᐸㆮ਽˖ᵡ᰾ᰕᵏ˖2018ᒤ5ᴸ20ᰕᰕᵏ˖2018ᒤ5ᴸ20ᰕ᪈㾱᪎㾷Շᡰઘ⸕ˈᡁഭ୶ъ䬦㹼൘ഭᇦ㓿⍾ᔪ䇮ѝ䎧⵰“ਁࣘᵪ”Ⲵ֌⭘ˈ൘ഭ≁㓿⍾ѝᴹ⵰ᶱѪ䟽㾱Ⲵ֌⭘DŽ֌Ѫањ୶ъ䬦㹼ˈ䍴ӗ䍘䟿Ⲵᆹޘᱟ᩶൘俆㾱ս㖞Ⲵˈ㘼ؑ䍧仾䲙㇑⨶ᱟᓄሩؑ䍧仾䲙ᴰѪṨᗳⲴ䜘࠶ˈᡰԕ

4、ᔪ・、ᆖᴹ᭸Ⲵؑ䍧仾䲙ߣㆆᵪࡦሩҾ୶ъ䬦㹼᜿ѹ䟽བྷDŽ䲿⵰⽮Պ㓿⍾Ⲵнᯝਁኅˈ୶ъ䬦㹼Ⲵؑ䍧ߣㆆᵪࡦнӵ㾱㜭ᴹ᭸Ⲵ᧗ࡦ仾䲙ˈᴤ㾱≲᭸⦷Ⲵབྷᑵᨀॷˈഐ↔䖵ࣙؑ䍧ߣㆆ⁑රҏᓄ䘀㘼⭏DŽᵜ䇪᮷ᡰ䇮䇑Ⲵ⁑රᰘ൘ԕ䍒࣑⨶䇪ǃ䠁㶽仾䲙㇑⨶⨶䇪ǃӪᐕᲪ㜭⨶䇪ㅹѪ⨶䇪ส⹰ˈ⭘䟿ॆ࠶઼᷀ᇊᙗ⹄ウⲴᯩ⌅ᖒᡀཊॆⲴ㓴ਸᖒᔿˈ؍䇱⹄ウⲴ亪࡙䘋㹼DŽ㲭❦ഭ޵৺ഭཆⲴ䇨ཊуᇦᆖ㘵䘀⭘ཊ⿽ᐕ〻⨶䇪ᡆᢰᵟᩝᔪҶ㑱ཊⲴ仾䲙㇑⨶⁑රˈն䘉Ӌ⹄ウᡰ䟷⭘ⲴབྷཊᱟสҾ䗷৫ᰦ䰤ṧᵜⲴᮠᦞ䘋㹼Ⲵ䶉ᘱᔪ⁑DŽᵜ䇪᮷ᡰᔪ⁑රѫ㾱Ѫ䀓ߣ䶉ᘱᔪ⁑ᡰ㕪ቁⲴࣘᘱᴤ

5、ᯠᵪࡦⲴ㕪䲧DŽ俆ԕӪᐕ⾎㓿㖁㔌㌫㔏ᕪབྷⲴ䀓㇇㜭઼࣋༴⨶ᇎ䱵䰞仈Ⲵ㜭࣋ᶕ༴⨶ᣕ㺘ᮠᦞˈᇊ䟿࠶᷀䍧Ⅾᖂ䘈Ⲵਟ㜭ᙗ˗ަ⅑ˈԕуᇦ㌫㔏൘䶎䍒࣑оؑ⭘᭟ᤱㅹᯩ䶒ˈᇊᙗ࠶᷀䍧Ⅾᖂ䘈Ⲵਟ㜭ᙗ˗❦ਾˈӾӄњᯩ䶒䘋㹼㓶㠤Ⲵ࠶᷀ˈᖂ㓣Ѫᮤփᙗǃᙫ㔃ᙗǃ᭿ᝏᙗǃਟ䇴ՠᙗǃ傼ᙗˈᶕሩ䬦㹼Ⲵߣㆆᔪ⁑ᨀ׋ᴹ࣋Ⲵᑞࣙ˗ᴰਾˈሩสҾ࠶᭟ᇊ⭼ᢩ໎䟿SVM䳶ᡀⲴ୶ъ䬦㹼ؑ䍧ߣㆆࣘᘱᔪ⁑ᯩ⌅ኅᔰᇎ䇱⹄ウˈᇎ⧠ањ䬦㹼ؑ䍧ߣㆆࣘᘱᴤᯠᵪࡦDŽᇎ䇱⹄ウⲴ㔃᷌㺘᰾ᵜ᮷ᶴᔪⲴ⁑ර൘⧠ᇎ⣦ᘱл㜭ཏާᴹߣㆆ㜭࣋ˈᒦ㜭䲿⵰ᰦ䰤Ⲵ᧘〫ˈṩᦞᯠṧᵜⲴ໎࣐ሩ

6、ᔪ⁑䘋㹼ࣘᘱⲴ䈳ᮤˈ؍䇱䬦㹼ؑ䍧ߣㆆਟԕ┑䏣ਁኅⲴ䴰≲ˈᓄሩᐲ൪仾䲙Ⲵਁ⭏DŽᙫⲴᶕ䈤ˈᵜ᮷Ⲵᇎ⭘ᙗ⹄ウਟԕѪ୶ъ䬦㹼ؑ䍧ߣㆆ㌫㔏Ⲵ⨶䇪⹄ウᨀ׋аӋᴹ᜿ѹⲴᙍ䐟઼ᇎDŽޣ䭞䇽˖ӪᐕᲪ㜭㌫㔏བྷᮠᦞ࠶᷀仾䲙㇑⨶-I-AbstractAbstractAsweallknow,commercialbanksinChinaaretheenginesofthenationaleconomyandhaveaverycriticalandimportantrole.Assetqualitysafetyisthetopmo

7、stpriorityforacommercialbank.Creditriskmanagementisthecorepartofcreditriskmanagement.Therefore,ascientificandeffectivecreditriskdecision-makingmechanismisofgreatsignificancetocommercialbanks.Withthecontinuousdevelopmentofsocialeconomy,thecreditdecision

8、-makingmechanismofthecommercialbanksneedsnotonlytocontroltheriskseffectively,butalsorequiresthesubstantialincreaseofefficiency.Therefore,theauxiliarycreditdecision-makingmodelhasalsoemerged.Themodeldesignedinthisdissertationisbasedonfin