SMART RISK ANALYST
The book is a special practical guide to all who want to learn the Artificial Neural Networks from a perspective with its practical applications. Having the deep knowledge of theoretical concept, one can apply it for creative decision making. The book is demonstration of a case study which can be implemented on range of topics. This is an expert system for analyzing credit risk in consumer loan using Artificial Neural Network (ANN). When an individual needs to borrow money, the lender will not only expect repayment but will also want to have confidence that the amount lent can be repaid on time. The effort by the borrower to provide the lender with this confidence level will depend on the amount lent. For lending millions of dollars, the lender may want to take a security interest in assets that have a value in excess of the amount lent to cover fluctuations in the values of those assets during the time the loan is being repaid. When time is short and the need for the loan was not anticipated, the act of going through the process of borrowing may be so time-consuming that obtaining the loan may not be possible at all. Here the author used both feed forward neural network and radial basis function neural network, back propagation algorithm to make the credit risk prediction. The network can be trained with available data to model an arbitrary system. The trained network is then used to predict the risk in granting the loan. ABOUT THE AUTHOR Dr. Shilpa Laddha is Assistant Professor in the Department of Information Technology at Government College of Engineering, Aurangabad (India). She is Doctorate in Computer Science and Engineering. Her area of interest includes Neural Networks, Information Retrieval, Semantic Web Mining & Ontology and many more. She has a profound expertise in taking the full depth training of engineering students. She has Two Copyrights to her credit & her many research papers are published in prominent international journals.