Искусственные нейронные сети Т. Кохонена на службе коммерческого банка

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Искусственные нейронные сети Т. Кохонена на службе коммерческого банка
Гуманитарный вестник # 2⋅2016 9
Kohonen artificial neural networks in the service
of a commercial bank
© T.I. Kuznetsova, E.N. Lobacheva, . Tselsov
Bauman Moscow State Technical University, Moscow, 105005, Russia
The article considers the substantiation of the alternative application of an artificial neu-
ral network as a statistical model to determine the solvency of commercial bank custom-
ers. Using the extended Kohonen neural network it is shown how a neural network
trained on statistics of previous credit transactions solves the problem of classification of
borrowers on the basis of their ability to pay.
Ключевые слова: Kohonen neural network, clustering input vectors, competing method
of data processing, neural network structure, credit rating.
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Kuznetsova T.I. graduated from Moscow Finance Institute. Cand. Sci. (Economy),
Associate Professor, Department of Economic theory, Bauman Moscow State Tech-
nical University. Author of over 100 research and educational publications in the field
of theoretical economics, finance and credit. e-mail:
Lobacheva E.N., Dr. Sci. (Economy), Professor, Head of the Department of Economic
theory, Bauman Moscow State Technical University. Author and supervisor of over 10
publications of economic textbooks for students of engineering faculties, bachelors and
specialists, the supervisor of research in the subject area of IT-technologies, innovation
and education. The area of research interests: innovation and application of scientific
and technological achievements in the Russian economy. e-mail:
Tselsov ., student, Faculty of Rocket and Space Technology, Bauman Moscow
State Technical University.