关键词: 蚁群算法, 神经网络, 资信评估, BP算法

Abstract: Back Propagation (BP) is widely used in credit rating, but it has such shortcomings as slow convergent speed and easy convergence to the local minimum points. A credit rating model that combined ant colony algorithm with neural network was proposed. It not only has the extensive mapping ability of neural network, but also has the advantages of high efficiency, rapid global convergence and distributed computation of ant system. The experimental result indicates good performance can be obtained by neural network based on ant colony algorithm in application of the credit rating.

Key words: ant colony algorithm, neural network, credit rating, BP algorithm