Intelligent Early Warning System of Bank Credit Risk Based on Tabu Algorithm

Wencai Huang
School of business, Xinyang Normal University, Xinyang,464000, China
Yu Cao
School of business, Xinyang Normal University, Xinyang,464000, China.
Fuqiang Shi
School of business, Xinyang Normal University, Xinyang,464000, China.

Abstract:

Credit risk is an important problem in the operation of banks. In order to effectively prevent risks, the premise is correct identification, reasonable analysis and timely warning. According to the operation and management mode and operating environment of banks, the design of an intelligent early warning system for bank credit risk based on the tabu algorithm is proposed. This paper optimizes the hardware configuration of the bank credit risk intelligent early warning system, optimizes the software operation process based on the tabu algorithm, constructs the credit risk early warning index system, and puts forward the credit risk early warning model construction methods of method and feature vector method. Finally, experiments show that the proposed intelligent early warning system of bank credit risk based on the tabu algorithm has higher sensitivity and can control and reduce credit risk more effectively.