Research and application of credit rating model in small and micro enterprises based on fuzzy neural network

Abstract

This paper will make research on the credit rating problem in small and mediumsized enterprises, including deep understanding of asymmetry information problem among banks as well as selecting proper and effective credit rating model and setting up evaluation model; adopt established and trained model to test the testing sample and attain test results of credit rating in medium-sized enterprises and small enterprises. The results have shown that the overall accuracy rate of credit rating test in medium-sized enterprises is 100.00% and the overall accuracy rate of credit rating test in small enterprises is 96.67%; compare the testing results with the test results of BP neural network and believe that the modeling process of fuzzy neural network is more accurate than BP neural network and with better testing results.

Keywords:

• Credit Rating Model
• Micro Enterprises Credit Rating
• Fuzzy Neural Network