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Chinese Journal of Management Science ›› 2004, Vol. ›› Issue (1): 68-74.

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A Strategy of Optimizing Neural Networks by Genetic Algorithm and Its Application on Credit Scoring

WU De-sheng, LIANG Liang   

  1. School of business, University of Science and Technology of China, Hefei 230026, China
  • Received:2003-03-27 Online:2004-02-28 Published:2012-03-07

Abstract: Studying the international actuality of corporation credit scoring,a strategy of optimizing neural networks by genetic algorithm is proposed,thus the deficiency of local minimizing appeared while training the networks is handled.The optimized networks is named evolutive network.Then,after some distinguished indices selected and sample designed carefully,by use of the evolutive neural network,credit-score models applied to Chinese business corporations are built up in this study.Finally,comparison research of the credit-score models’ scoring powers are carried out by use of actural index data.

Key words: credit scoring, BP neural network, genetic algorithm, evolutive network

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