Risk prediction system and method for optimizing NARX neural network through ant lion algorithm

A risk prediction and neural network technology, which is applied in the field of ant lion algorithm to optimize the NARX neural network risk prediction system, can solve the problems that the network performance is easily affected by the initial value and the convergence speed is slow, so as to improve the optimization performance and convergence efficiency, reduce the Small Loan Losses, Satisfying the Effects of Accuracy and Efficiency

Inactive Publication Date: 2021-11-16
百维金科(上海)信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] However, the NARX neural network is the same as other neural networks, and the network performance is easily affected by the initial value. The existing technology mainly uses genetic, particle swarm, ant colony and other algorithms to optimize the initial value of the network...

Method used

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  • Risk prediction system and method for optimizing NARX neural network through ant lion algorithm
  • Risk prediction system and method for optimizing NARX neural network through ant lion algorithm
  • Risk prediction system and method for optimizing NARX neural network through ant lion algorithm

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0127] An antlion algorithm optimized NARX neural network risk prediction system, including a client 100 and a server 200, the client 100 includes an information collection module 101, a risk prediction initiation module 102, and the server 200 includes an information processing module 103 and a database 104 , risk prediction module 105;

[0128] Information collection module 101, used for users to collect customer data and integrate it into customer data;

[0129] A risk forecast initiation module 102, configured for the user to initiate a risk forecast application request;

[0130] The information processing module 103 is used to obtain customer data and store it in the database 104, and is also used to obtain and review the risk prediction application request and generate review information transmitted to the client terminal 100 and the risk prediction module 105;

[0131] Database 104 for storing customer data;

[0132] The risk prediction module 105 is used to obtain au...

Embodiment 2

[0277] A risk prediction method for NARX neural network optimized by Antlion algorithm is provided, including steps A1-A6.

[0278] An electronic device, including: a memory and a processor, the processor and the memory are connected;

[0279] The memory is used to store programs;

[0280] The processor invokes a program stored in the memory to perform any one of the methods described above.

[0281] A computer-readable storage medium, on which a computer program is stored, and when the computer program is run by a computer, any one of the above-mentioned methods is executed.

[0282] It should be noted that the variable data derived from customer loan historical behavior characteristics as a sample of customer loan data is that electronic devices can be, but are not limited to, personal computers (personal computers, PCs), tablet computers, mobile internet devices (mobile internet devices, MIDs), etc. equipment.

[0283] It should be noted that processors, memories and oth...

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Abstract

The invention discloses a risk prediction system and method for optimizing NARX neural network through an ant lion algorithm, wherein the system comprises a user side and a server side, the user side comprises an information acquisition module and a risk prediction initiation module, and the server side comprises an information processing module, a database and a risk prediction module; the information acquisition module is used for a user to acquire customer data and integrate the customer data into customer data; the risk prediction initiating module is used for a user to initiate a risk prediction application request; the information processing module is used for acquiring customer data and storing the customer data in a database, and is also used for acquiring and auditing the risk prediction application request and generating auditing information transmitted to the user side and the risk prediction module; the database is used for storing customer data; and the risk prediction module is used for acquiring audit information and acquiring customer data in the database according to the audit information, and is also used for performing risk prediction on the customer data to obtain customer overdue risk prediction data. The method comprises steps A1-A6.

Description

technical field [0001] The invention belongs to the technical field of Internet finance, and in particular relates to an antlion algorithm optimized NARX neural network risk prediction system and method. Background technique [0002] In order to meet the credit risk control needs at different stages, financial institutions usually need to use the application score card before the loan, the behavior score card during the loan, and the collection score card after the loan to score the risk of financial users. Among them, the loan behavior score card model is based on various behaviors of financial users during the use of the account, and evaluates the customer's repayment ability by predicting the customer's default risk based on the customer's historical behavior characteristic data in the loan and repayment willingness, etc., according to the probability of default to monitor loan behavior, and dynamically predict the scoring model of financial user loan risk. [0003] The ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06N3/00G06N3/04G06N3/08
CPCG06N3/006G06N3/08G06N3/045G06Q40/03
Inventor 李兰江远强李晓萍
Owner 百维金科(上海)信息科技有限公司
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