普惠金融現在被視為金融業的重要領域，而小額信貸是普惠金融的基本形式。學生族群是處於金融領域的弱勢群體。人工神經網路是機器學習系統的其中之一。它具有學習能力，並且可以進一步推廣所預測的結果，它也適用於非線性問題的應用。
這項研究調整了蔡瑞煌教授以及吳佳真研究生的研究，以推導有效的異常值檢測和機器學習機制。使用GPU設備和機器學習工具建立神經網絡系統藉由TensorFlow實現。我們基於在線P2P借貸平台收集的真實數據集進行實驗。從2018/3/30〜2018/4/7中收集到200個學生的貸款數據，隨機選取140個數據做訓練，60個數據作為測試集。結果表明，所提出的機制在異常值檢測和機器學習方面是有前途的且有效果的。

Inclusive Finance is regarded as an important area of financial industry now day, and microfinance is a basic form of Inclusive Finance. Student group is an underprivileged group in financial field. Artificial Neural Networks is one of machine learning systems. It has the ability to learn, and it can further generalize the results to be predicted, and it is also suitable for applications in nonlinear problems.
This study adapts the work of Tsaih and Wu (2017) to derive a mechanism for effective outlier detection and machine learning. To establish a neural network system using GPU equipment and machine learning tools - TensorFlow implementation. We sets up an experiment based on real dataset collected by online P2P Lending platform. We collect 200 students’ loan data from 2018/3/30~2018/4/7, then randomly choosing 140 data to do training, 60 data to be the testing set. The results show that the proposed mechanism is promising in outlier detection and machine learning.

English Reference
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