Financial Credit Risk Prediction Model Based on PSO-SVM

Financial credit risk refers to the fact that the parties to the transaction cannot reach agreement or inconsistency according to the established objectives in the credit contract due to the existence of various uncertain factors, resulting in losses and adverse consequences. As a complex and changeable economic system full of competition and challenges, the financial market is even more so. Therefore, based on PSO-SVM, it is very necessary to study the financial credit risk prediction model. Firstly, this paper introduces the concept of financial credit risk, then studies the specific application method of pos-svm, at the same time, deeply studies the process of financial credit risk prediction model, and tests and analyzes the performance of the model. Finally, the test results show that the pos-svm algorithm based on sensitive learning has better generalization ability.