| 基于BP神经网络专家系统的财产保险公司全面风险预警系统研究 |
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| 引用本文： | 张维功,何建敏,丁德臣.基于BP神经网络专家系统的财产保险公司全面风险预警系统研究[J].西安电子科技大学学报(社会科学版),2009,19(1):27-32. |
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| 作者姓名： | 张维功 何建敏 丁德臣 |
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| 作者单位： | 1. 东南大学经济管理学院,江苏,南京,211189;阳光财产保险公司,北京,100020
2. 东南大学经济管理学院,江苏,南京,211189 |
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| 摘 要： | 为了克服传统的偿付能力监管所隐藏的风险因子考虑不周以及保险统计数据匮乏等的弊端，借鉴国内外权威保险监管机构和专家学者的最新研究成果，尝试提出了我国财产保险公司全面风险预警指标体系；利用BP神经网络和专家系统相结合的方法，构建了我国财产保险公司全面风险预警机制并进行了实证分析。结果表明，利用BP神经网络专家系统对财产保险公司进行全面风险预警，具有极高的预测精度和较强的鲁棒性。
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| 关 键 词： | 全面风险预警 BP神经网络 专家系统 |
Enterprise Risk Premonition System of Property Insurance Company in China Based on BP Neural Network and Expert System |
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| ZHANG WEIGONG,HE JIANMIN,DING DECHEN.Enterprise Risk Premonition System of Property Insurance Company in China Based on BP Neural Network and Expert System[J].Journal of Xidian University (Social Sciences Edition),2009,19(1):27-32. |
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| Authors: | ZHANG WEIGONG HE JIANMIN DING DECHEN |
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| Institution: | 1.School of Economics and Management, Southeast University , Nanjing, 211189, China 2.Yan gguang Property Insurance Company, Beijing , l O0020, China ) |
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| Abstract: | Due to the disadvantages in insurance risk management, an enterprise risk premonition index system is put forward based on many latest findings from the insurance regulation organizations home and broad. On BP neural network and expert system, an enterprise risk premonition system of Chinese property insurance company is set up. Empirical results show that artificial neural network expert model is a promising method of predicting enterprise risk in property insurances in terms of predictive accuracy, adaptability and robustness.. |
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| Keywords: | Enterprise risk Premonition BP Neural Network Expert System |
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