Enterprise Credit Rating Model Based on Neural Networks

On the basis of analyzing the importance and actuality of credit rating in the world, the index system used for enterprise credit rating is proposed and the method of quantifying the scatter data and the method of normalizing all the data in the index system are given. Subsequently, a 3-layer neural network enterprise credit rating model based on the index system and neural networks is built. After being trained by the given credit data of the enterprise, the model can be used for rating the enterprise credit. Empirical results show that this model can decrease the personal factors and increase the veracity and authority and the correct rate is 92.2%.