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.

Keywords:

Credit ranking, facilities, neural network,

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Competing interests

The authors have no competing interests.

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The authors have no competing interests.