Ants algorithm was applied to credit risk assessment in commercial banks and satisfactory results were obtained. The original ants algorithm are improved in two aspects: transition probability and pheromone trail update mechanism.

• 对原蚁群算法的转移概率和信息素更新机制进行改进,并首次将蚁群算法应用于商业银行的信用风险评估问题,取得满意的结果。