Możliwości oddziaływania na wzrost gospodarczy poprzez kontrolę poziomu ryzyka kredytowego w bankach przy wykorzystaniu systemów sztucznej inteligencj
Banks’ possibilitiesof influencing macroeconomic growthby the use of neural network systems in the credit risk control

Summary/Abstract: The aim of the article is to indicate the banks’ possibilities in their influencing macroeconomic growth by the improvement made in the data processing procedure in the credit grant decision making. The authors focus on the potential that lies in the improvement of the loan portfolio quality resulting from neural network use. The paper focuses mainly on the issues of artificial neural networks optimization by the proper choice of input data and training method. Finally these systems allow to increase a correlation between credit risk determinants and risk classes in the credit rating systems. The ultimate outcome is better financial standing of the banks and credit availability, which stimulates economic growth processes.

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