The use of neural network technologies in the field of consumer lending

Authors: Askerova N.A., Sokolov T.D., Askerova A.A.
Published in issue: #5(58)/2021
DOI: 10.18698/2541-8009-2021-5-695
Category: Informatics, Computer Engineering and Control | Chapter: System Analysis, Control, and Information Processing, Statistics
Keywords: neural networks, technology, financial sphere, methods, creditworthiness, libraries, efficiency
Published: 20.05.2021

The paper considers the application of neural networks in assessing the creditworthiness of a borrower, gives examples of their implementation in this area, describes the advantages and disadvantages of neural networks in comparison with expert assessment in the lending issue. A comparison of the creditworthiness of an individual is carried out using an expert approach and using various libraries of neural networks according to the following criteria: verification time, training time, financial costs, characteristics of the processed data and accuracy. Authors formed a table of indicators for comparison and assessed the effectiveness of using neural networks to determine the creditworthiness of individuals.

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