Personal credit risk measurement model based on GA-BP

The invention provides a personal credit risk measurement model based on GA-BP, and relates to the technical field of finance. The personal credit risk measurement model based on GA-BP comprises a GA-BP model, the GA-BP model is a novel model based on a BP neural network principle and a genetic algorithm, the genetic algorithm is different from a local search algorithm of a neural network, and an efficient parallel global search algorithm is adopted in the genetic algorithm. Knowledge related to a search space can be automatically obtained and accumulated in the search process, and the global optimization ability is good, so that falling into a local minimum value can be avoided, target functions and constraints in any form can be processed, any structural object can be operated in a global range, and the operation speed is high. The genetic algorithm encodes the solution, needing to be optimized, of the target function to form a group. Effective early warning signals can be provided for commercial banks, mar