Commercial Bank Credit Information Disclosure and Financial Crisis Early Warning Based on Artificial Neural Network

Abstract

The complete financial early warning model has the function of early warning memory, which enables management to trace past early warning information or crisis events that have occurred. If the same early warning signal occurs, it can repeatedly prompt early warning information or interrupt business functions, helping enterprises avoid A similar financial crisis happened again. The purpose of this paper is to study commercial bank credit information disclosure and financial crisis early warning based on artificial neural network. On the basis of reviewing a large number of domestic and foreign literatures about BP neural network economic early warning, it is pointed out that we need to introduce a financial crisis early warning model to carry out credit risk management suitable for my country’s national conditions. From the perspective of credit information disclosure of commercial banks, through the establishment of neural network model and BP neural network model improved by genetic algorithm, the main variable indicators are evaluated and analyzed, and the financial status of sampled enterprises is controlled and predicted. Through empirical research and comparison of models, it is found that the improved model has its incomparable advantages, and the prediction accuracy is as high as 98%. It can be seen that the improvement of the BP neural network model based on the GA algorithm is an effective method for judging and predicting the financial crisis of enterprises for credit risk management method.