Abstract: Credit evaluation plays an important role in the banking management. A novel credit evaluation model based on multiple evolutionary neural networks, named MNN-CREDIT, was presented. The MNN-CREDIT model establishes classifiers by a group of three-layer feed-forward neural networks with high accuracy and good diversity. The neural networks arc trained by niche genetic algorithm based on clustering. The credit evaluation result of the identifying client can first be evaluated by each neural network, and the final credit classification result is obtained according to the dynamic voting rule. Empirical analysis on Germany credit database was given. hhc results show that MNN-CREDIT model has higher prediction precision.

Key words: Credit evaluation, Niche genetic algorithm, Neural network