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     Research Journal of Applied Sciences, Engineering and Technology

    Abstract
2014(Vol.7, Issue:24)
Article Information:

Design and Explanation of the Credit Ratings of Customers Model Using Neural Networks

Sahar Amanati
Corresponding Author:  Sahar Amanati 
Submitted: February 11, 2014
Accepted: May ‎04, ‎2014
Published: June 25, 2014
Abstract:
The aim of this study formed with purpose of providing a suitable model to investigate the credit behavior of consumer of speculation loan using neural networks for credit ratings. Nowadays, intelligent systems found many applications in different fields of banking and financing. One of main application of neural networks is review and approval of credits. Thus, at first factors affecting credit behavior of consumer was identified and then, consumers divided in three categories: on-time payer (good payer), bad payer and overdue (belated) payer. In the next step, neural network models designed using the training data was instructed and then tested with these experimental data. The results show that the credit behavior of the customers could be predicted using neural networks ranking models.

Key words:  Credit ranking, facilities, neural network, , , ,
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Cite this Reference:
Sahar Amanati, . Design and Explanation of the Credit Ratings of Customers Model Using Neural Networks. Research Journal of Applied Sciences, Engineering and Technology, (24): 5179-5183.
ISSN (Online):  2040-7467
ISSN (Print):   2040-7459
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