Neurofuzzy Application in Creditworthiness Evaluation

• Main Authors: Sheng-Chun Chang, 張勝春
• Other Authors: Kuen-Hwang Hwang
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/26982283722193487013

碩士 === 朝陽科技大學 === 財務金融系碩士班 === 90 === Abract This paper applies Neurofuzzy in creditworthiness evaluation. the purposes are： (1) Neurofuzzy is employed to develop creditworthiness evaluation. (2) This study conducts the difference of credit rating results between bank and TCRI. (3) 80 business lending cases at one branch of commercial bank at central Taiwan were employed to evaluate the performance of credit rating models in bank and TCRI. The empricial results show that(1)the creditworthiness evaluation of bank can be improve by applying Neurofuzzy. (2) TCRI may need adjusting in response to creditworthiness evaluation. (3)Nuerofuzzy can not support the identification of finance distress cases such few cases were employed. to improve the identify ability ,large data is necessary in learning phase for Nurofuzzy.