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The loan risk is the possibility of loan and interest losses caused by being unable to recover the loans on schedule. So a set of modern quantitative methods to effectively identify the credit risk is urgently needed to fully reveal the future solvency capability of evaluation object. This paper has firstly constructed a set of credit evaluation index system, and on that basis, using a large number of cleared loan data by far to determine five evaluation index value related to “five-category loan” classification, establish fuzzy pattern recognition model of loan risk, and determine the risk level of outstanding loan.
Fuzzy Systems and Knowledge Discovery (FSKD), 2010 Seventh International Conference on (Volume:3 )
Date of Conference: 10-12 Aug. 2010