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Research on the Bank Credit Decision Model Based on Convolutional Neural Network

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DOI: 10.23977/infse.2021.020106 | Downloads: 3 | Views: 261


Zhiyi Wu 1, Zhongbao Zhou 1, Jixiang Yu 1


1 School of Management Science and Engineering, Dongbei University of Finance and Economics, Dalian, Liaoning, 116025

Corresponding Author

Zhongbao Zhou


With the continuous development of small and medium-sized enterprises, the business volume of bank loans is also increasing. Banks need to assess the credit risk of small, medium and micro-sized enterprises based on their strength and reputation, and then determine whether to lend or not and loan strategies such as loan amount, interest rate and term based on factors such as credit risk. Therefore, it is of great significance to study how to establish a complete credit risk assessment system for bank loans. In this paper, a credit decision model based on Convolutional Neural Network is established. Firstly, the Convolutional Neural Network (CNN) is trained by the invoice information and credit rating data of 123 enterprises with credit records, and then the trained CNN model is used to rate the credit of 302 enterprises without credit rating, and then the credit decision model is used to make bank credit decisions when the total credit amount is 100 million yuan. After testing, the accuracy of the Convolutional Neural Network model established in this paper can basically reach more than 80%, and to a certain extent, it can replace the operation of manually rating the credit standing of enterprises within banks.


Convolutional Neural Network, credit risk, bank decision


Zhiyi Wu, Zhongbao Zhou, Jixiang Yu. Research on the Bank Credit Decision Model Based on Convolutional Neural Network. Information Systems and Economics (2021) 2: 31-34. DOI:


[1] Heterogeneous Graph Convolutional Networks for Text Classification Rahul Ragesh, Sundararajan Sellamanickam, Arun Iyer, Ram Bairi, Vijay Lingam
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[3] Research on the credit strategy of small and medium-sized enterprises in Sun Yashan's commercial bank-an empirical analysis taking Shaanxi Province as an example; Journal of Xi 'an University of Finance and Economics, 2004

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