Assessment Model of Financial Credits based on Neural Networks designed to Edpymes
Keywords:
credits, neural network, backpropagation algorithmAbstract
The probability that debtors can not pay their loans is one of the main risks facing any financial institution. This work develops a model focused on resolving this problem, namely to reduce the credit risk at the time of a loan or credit is granted. This model is oriented to Edpymes, implemented with artificial intelligence techniques such as neural networks trained by the backpropagation algorithm. As a result of applying the model is achievement to reduce the credit risk of 3.5% to 2.5%. This 1% represents approximately 900 clients seen full-scale.Downloads
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Copyright (c) 2010 Ana María Huayna Dueñas, Vanessa Calvo Huaraz, Juan Carlos Huiman Sánchez
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
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