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Bonitätsprüfung mit Hilfe Künstlicher Neuronaler Netze

Author

Listed:
  • Dittmar Thomas

    (Dipl.-Kfm., Wissenschaftlicher Mitarbeiter am Lehrstuhlfür Finanz-und Bankwirtschaft, Prof. Dr. Manfred Steiner, Universität Augsburg)

  • Hilbert Andreas

    (Dr. rer. pol., Wissenschaftlicher Mitarbeiter am Lehrstuhl für Mathematische Methoden der Wirtschaftswissenschaften, Prof. Dr. Otto Opitz, Universität Augsburg)

Abstract

Um das Risikopotential eines Kreditengagements zu kalkulieren, muß sich ein Kreditgeber im Rahmen der sogenannten Bonitätsprüfung unter anderem auch einen gründlichen Einblick in die wirtschaftliche Situation des zukünftigen Kreditnehmers verschaffen. Ein Verfahren, das in jüngerer Zeit in diesem Bereich zunehmend an Bedeutung gewonnen hat, ist das Instrument der Künstlichen Neuronalen Netze. Deren grundlegende Aspekte werden in diesem Beitrag dargestellt. Die Verfasser würdigen kritisch die wichtigsten Studien zur Bonitätsprüfung und erarbeiten Vorschläge zur Erstellung adäquater Künstlicher Neuronaler Netze (KNN).

Suggested Citation

  • Dittmar Thomas & Hilbert Andreas, 1998. "Bonitätsprüfung mit Hilfe Künstlicher Neuronaler Netze," Zeitschrift für Bankrecht und Bankwirtschaft (ZBB) / Journal of Banking Law and Banking (JBB), RWS Verlag, vol. 10(5), pages 343-352, October.
    • Handle: RePEc:bpj:zfbrbw:v:10:y:1998:i:5:p:343-352:n:6
    DOI: 10.15375/zbb-1998-0506
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