Propuesta de la aplicación de las Redes Neuronales Artificiales en la inversión y gestión del crédito a clientes
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Fecha
2007-06
Autores
Ninh Quang, Hai
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Universidad Central “Marta Abreu” de Las Villas
Resumen
En un mundo globalizado, donde las exigencias de la competencia alcanzan niveles nunca antes imaginados, la inversión y gestión de créditos a clientes asume un importante papel. La influencia de la Revolución Científico Técnica sobre estos sistemas de gestión se ha visto reforzada y ha evolucionado a una gran velocidad; aunque los especialistas continúan insistiendo en la constante búsqueda de instrumentos que permitan garantizar la eficiencia y eficacia en la toma de decisiones.
Por tanto, en el desarrollo de este trabajo se ha intentado realizar un modesto esfuerzo por contribuir al mejoramiento de la inversión y gestión de créditos a clientes. Para ello se ha utilizado como herramienta fundamental la teoría de las Redes Neuronales Artificiales, la cual se ha relacionado en su aplicación con la intención de obtener resultados decisionales que garanticen la estabilidad de los sistemas financieros.
Finalmente, los resultados obtenidos han demostrado la viabilidad de aplicación de la teoría de Redes Neuronales Artificiales en función de la inversión y gestión de créditos a clientes.
In a globalized world, where the demands of competition have never reached such imagined levels before, the investment and management of credits to clients assume an important role. The influence of the Scientist-Technique Revolution on these management systems has been reinforced and it has evolved to a great speed; although specialists continue insisting in the constant search of instruments that allow guaranteeing the efficiency and effectiveness in decision making. Therefore, in the development of this investigation, a modest effort is applied to contribute to the improvement of the investment and management of credits to clients. As fundamental tool, the theory of the Artificial Neuronal Network has been used, which relates its application with the intention of obtaining decisional results that guarantee the stability of the financial system Finally, the obtained results have demonstrated the viability of application of the theory of Artificial Neuronal Networks in function of the investment and management of credits to clients.
In a globalized world, where the demands of competition have never reached such imagined levels before, the investment and management of credits to clients assume an important role. The influence of the Scientist-Technique Revolution on these management systems has been reinforced and it has evolved to a great speed; although specialists continue insisting in the constant search of instruments that allow guaranteeing the efficiency and effectiveness in decision making. Therefore, in the development of this investigation, a modest effort is applied to contribute to the improvement of the investment and management of credits to clients. As fundamental tool, the theory of the Artificial Neuronal Network has been used, which relates its application with the intention of obtaining decisional results that guarantee the stability of the financial system Finally, the obtained results have demonstrated the viability of application of the theory of Artificial Neuronal Networks in function of the investment and management of credits to clients.
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Palabras clave
Gestión de Créditos, Inversión, Proceso Inversionista, Redes Neuronales Artificiales, Gestión de Riesgo