The invention relates to the technical field of
risk control of
the Internet financial industry, in particular to a credit evaluation method for optimizing a generalized regression neural network based on a grey wolf
algorithm. The method comprises six steps, and compared with common BP and RBF neural networks, the method has the advantages that GRNN selected by the method is strong in nonlinear mapping capability, good in approximation performance and suitable for
processing unstable data. The method has the advantages of being good in generalization ability, high in fitting ability, high intraining speed, convenient in parameter adjustment and the like, and compared with common optimization algorithms such as genetic algorithms and particle swarms, the grey wolf
algorithm is few in parameter and simple in
programming, and has the advantages of being high in convergence speed, high in
global optimization ability, potential in parallelism, easy to implement and the like. The grey wolfalgorithm is adopted to optimize the GRNN
network model, the prediction precision and stability are high, the defects that the GRNN prediction result is unstable and is very likely to fall into the local minimum value are effectively avoided, and rapid and accurate online real-time prediction of the credit
score of the application user is achieved.