This paper deduces a rate of the mercantile credit cost, and gives an quantitative evaluation of engineering economy by taking a practical example.

利用连续复利原理计算商业信用成本率，并结合实际数据对现金折扣方案给出了定量化的技术经济评价。

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In the individual credit evaluation part, it quantifies all kinds of scattered data, and to improve BP algorithm it USES local self-adaptive study rate algorithm.

在个人信用评估部分中，对所有的离散数据进行量化处理，然后使用局部学习率自适应算法，对BP算法加以改进。

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