Design and implementation of an agent-oriented expert system of loan risk evaluation

Author

Guo-an, Yu ; Hong-bing, Xu ; Chao, Wu

Author_Institution

Dept. of Comput. Sci. & Eng., Southeast Univ., Nanjing, China

fYear

2003

fDate

30 Sept.-4 Oct. 2003

Firstpage

41

Lastpage

45

Abstract

How to effectively control the risks of loans by means of modern risk management is becoming an increasingly important issue for the development of Chinese banking industry. In addition to considering loan risk probabilities, the expert system of loan risk evaluation introduces two more factors: the price of the loan and the risk preferences of the decision-makers. With the help of the knowledge obtained from experts at evaluating risks of loan, the system establishes a loan risk evaluation index system to control the risks of loans comprehensively. We introduce the method of implementation of an agent-oriented expert system of loan risk evaluation, and discusses the overall structure and function features of the system. The knowledge base of the system is studied, together with the inference engine and the knowledge obtainer.

Keywords

banking; expert systems; inference mechanisms; risk management; Chinese banking industry; agent-oriented expert system; decision-makers; inference engine; knowledge based system; loan risk evaluation index system; loan risk probabilities; Banking; Chaos; Computer science; Control systems; Engines; Expert systems; Industrial control; Knowledge management; Risk management; USA Councils;

fLanguage

English

Publisher

ieee

Conference_Titel

Integration of Knowledge Intensive Multi-Agent Systems, 2003. International Conference on

Print_ISBN

0-7803-7958-6

Type

conf

DOI

10.1109/KIMAS.2003.1245019

Filename

1245019