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Loan risk analyzer based on fuzzy logic

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3 Author(s)
K. Dahal ; Sch. of Informatics, Bradford Univ., UK ; Z. Hussain ; M. A. Hossain

Credit risk has always been a major concern for banks and other financial intermediaries. The uncertain domain of risk assessment has long been in need of a reliable and consistent system to help simplify the decision making process. In recent years fuzzy logic technique has been in its wide-ranging use in modeling of uncertainties, vagueness, impreciseness and the human thought process. This paper attempts to develop a credit risk analysis system based on the fuzzy logic using two structures: traditional fuzzy reasoning of all inputs that map to one single output and stage-wise fuzzy reasoning of input parameters in accordance with their importance. The analysis of case studies shows the consistency and effectiveness of the second approach in making correct decision.

Published in:

2005 IEEE International Conference on e-Technology, e-Commerce and e-Service

Date of Conference:

29 March-1 April 2005