Empirical Research on Credit System Management for Chinese Vocational College Students Based on Personal Mobile Terminals
Keywords:
Credit Management System, Mobile Terminus, Fuzzy Logic, Firefly Optimization, Vocational StudentsAbstract
Managing credit evaluations within the context of Chinese vocational college students presents unique challenges due to uncertainties and individual financial circumstances. This paper introduces a novel approach, the Fuzzy Firefly Optimization Classification (FFOC) Credit System, which combines fuzzy logic and the firefly optimization algorithm to revolutionize credit assessment. Fuzzy logic accommodates uncertainty by assigning degrees of membership to linguistic variables, while the firefly optimization algorithm fine-tunes credit evaluation parameters through an iterative optimization process. In this system, linguistic variables such as "Income" and "Credit Score" are employed to establish fuzzy rules that capture the nuances of creditworthiness. The firefly optimization algorithm enhances these rules, adjusting them over iterations to better match real-time data and fitness evaluations. This results in accurate and personalized credit score assignments, empowering vocational college students with tailored financial assessments. The FFOC Credit System's significance lies in its ability to foster responsible financial behaviors among students while providing fair and precise credit evaluations. With addressing uncertainties and adapting to changing financial dynamics, this system offers a dynamic solution that promotes financial literacy and stability. As vocational college students transition into the workforce, the FFOC Credit System equips them with the tools they need to make informed financial decisions, ensuring a brighter financial future. In conclusion, the Fuzzy Firefly Optimization Classification Credit System presents an innovative methodology that combines fuzzy logic and optimization algorithms to redefine credit assessment. The results stated that accuracy, and personalization make it a powerful tool for managing credit evaluations for Chinese vocational college students, bridging the gap between financial education and responsible financial behavior.
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