本文在分析国内外现有研究的基础上建立了基于风险分析的贷款组合优化决策。

This paper set up the decision-making model of loan' s portfolio optimization based on the analysis of risk base on the domestic and overseas research.

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然后从计算方法上，将该贷款组合优化问题归结为一类有上下限的非连续、多峰的特殊背包问题。

Then, analyzed from calculation methods, this model is a type of Knapsack Problem with restrictions between lower-limit and upper-limit, which is a discontinuous and multi-maximum complicated problem.

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针对贷款组合优化决策模型的求解问题，论文提出了用于求解该问题的二进制粒子群算法，并阐明了算法的具体实现过程。

This paper brings forward the binary improved particle swarm optimization algorithm for decision of loans combinatorial optimization problem, and illustrates the detailed realization of the algorithm.

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