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Consumer Loan Credit Risk Analyzer Using Artificial Neural Networks

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IJCA Proceedings on National Conference on Innovative Paradigms in Engineering & Technology 2013
© 2013 by IJCA Journal
NCIPET2013 - Number 1
Year of Publication: 2013
Authors:
Shilpa Laddha
Shubhangi Sapkal
Anjali Kulkarni

Shilpa Laddha, Shubhangi Sapkal and Anjali Kulkarni. Article: Consumer Loan Credit Risk Analyzer Using Artificial Neural Networks. IJCA Proceedings on National Conference on Innovative Paradigms in Engineering & Technology 2013 NCIPET 2013(1):6-10, December 2013. Full text available. BibTeX

@article{key:article,
	author = {Shilpa Laddha and Shubhangi Sapkal and Anjali Kulkarni},
	title = {Article: Consumer Loan Credit Risk Analyzer Using Artificial Neural Networks},
	journal = {IJCA Proceedings on National Conference on Innovative Paradigms in Engineering & Technology 2013},
	year = {2013},
	volume = {NCIPET 2013},
	number = {1},
	pages = {6-10},
	month = {December},
	note = {Full text available}
}

Abstract

Neural networks provide an obvious technique for classification. In this paper, neural network approach is used for classification of Loan applications. Data has been collected from publicly available source, Alyuda Research, Inc. [1]. It does not guarantee the accuracy of the data. This data is intended solely for experimental purposes. FFNN and RBN are used for classification. PREMNMX matlab Function Preprocesses data so that minimum is -1 and maximum is 1

References

  • Historical Dataset, Alyuda Research, Inc.
  • Loretta J. Mester, "What's the Point of Credit Scoring?, Business Review, (Oct 1997 ), pp. 1-14.
  • Clarence N. W. Tan and Gerhard E. Wittig, "A Study of the Parameters of a Backpropagation Stock Price Prediction Model" 1993. ,pp. 288 – 291.
  • Ying-Hua Lu; Chun-Guo Wu; Yan-Chun Liang, "Center selection for RBF NN in prediction of nonlinear time series" 2003, pp. 1355 - 1359 .
  • Website:http://www. virtualventures. ca/~neil/neural/neuron-a. html
  • Yegya Narayana, "Artificial Neural Network", PHI.
  • Gose, "Pattern Recognition and Image Analysis"
  • Duda Hart, "Pattern Classification", 2 e,Wiley
  • Fabrizio De Nittis "Consumer Loan Classification Using Artificial Neural Networks" ICSC EIS'98 conference.
  • A Guide to MATLAB: Brian R. Hunt.
  • Fundamentals of Artificial Neural Networks Mohamad Hassoun.
  • Back Propagation: Theory, Architectures, and Applications, David E. Rumelhart.