对人工神经网络及其应用于信贷风险分析的可行性进行了论述 ,着重对构建商业银行信贷风险分析的人工神经网络模型进行了深入细致的研究 .旨在得到一个可行的神经网络模型进行合理的信贷风险评价 ,为信贷决策提供科学依据.

This paper examines the artificial neural network model and the possibility of its application to the credit risk analysis. A specific and careful study on how to set up the artificial neural network model for the credit risk analysis of commercial banks is focused. The objective of this paper is to construct a feasible and realistic artificial neural network model on which reasonable credit risk analysis is based, therefore scientific credit decision makings can be made by commercial banks.