Credit evaluation method based on AHP (analytic hierarchy process)

An AHP and credit evaluation technology, applied in the field of credit evaluation based on AHP, it can solve the problems of lack of balance, single evaluation index setting, insufficient objective and accurate evaluation, and achieve the effect of objective evaluation results.

Inactive Publication Date: 2014-10-29
广东省标准化研究院
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AI Technical Summary

Problems solved by technology

[0003] The current corporate credit rating generally adopts the subjective evaluation method of expert experience judgment. The evaluation results are easily affected by the experience, level and human subjective factors of experts. The evaluation is not objective and accurate enough, and the evaluation index setting is relatively single, lacks balance, and is not scientific enough.

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  • Credit evaluation method based on AHP (analytic hierarchy process)
  • Credit evaluation method based on AHP (analytic hierarchy process)
  • Credit evaluation method based on AHP (analytic hierarchy process)

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Experimental program
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Embodiment 1

[0099] This embodiment introduces the process of the credit evaluation method of the present invention.

[0100] The credit evaluation method of the present invention mainly involves the determination of the evaluation level set, the determination of the index, the index system structure, the determination of the index value range, the calculation of the index weight, the calculation of the index value, the index credit membership degree and the credit rating calculation and other methods. Improve.

[0101] 1. Determine the evaluation level set

[0102] When determining the set of evaluation grades, the credit grade assessment adopts a point system and is divided into multiple grades, which are used to reflect the symbols, score ranges and meanings of each credit grade to reflect the degree to which the enterprise abides by the principle of social integrity. In the present invention, the mathematical set of evaluation grades determined by note is U, and the credit grade evalu...

Embodiment 2

[0135] In this embodiment, an example is given to illustrate the determination process of the index value.

[0136] When the present invention determines the index value, it first considers the constituent elements of each index, and whether the specific values ​​of these elements can be obtained through information collection and meet the requirements of the value range. For this reason, the present invention has adopted the method that each index calculates index value by the information of gathering, and specifically designed following three types of computing methods:

[0137] 1) Absolute number - determine the index value directly by the absolute number of the involved index. If the indicators are involved

[0138] State value, "Yes" takes 1, "No" takes 0. Another example is the business place, the indicator value is determined by whether the enterprise has a business place, 1 if there is, and 0 if there is no.

[0139] 2) Ratio - take the two elements x involved in th...

Embodiment 3

[0161] This embodiment describes the consistency correction algorithm of the judgment matrix of the present invention.

[0162] Whether the judgment matrix has satisfactory consistency directly affects whether the ranking vector obtained from the judgment matrix can truly reflect the objective ranking among the comparison schemes.

[0163] When the characteristic root CR of judgment matrix A is greater than or equal to 0.1, it is considered that judgment matrix A does not meet the random consistency index and must be adjusted and corrected.

[0164] The correction steps are:

[0165] A, calculate the conversion matrix of judgment matrix, the conversion matrix B=(b of described judgment matrix A ij ) n×ｎ The calculation formula is:

[0166] , where n is the order of judgment matrix A, a ij is the element of row i and column j of judgment matrix A, b ij is the element of row i and column j of transformation matrix B;

[0167] B, calculate the induction matrix of judgment...

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Abstract

The invention discloses a credit evaluation method based on an AHP (analytic hierarchy process). The credit evaluation method based on the AHP includes: confirming a credit evaluation grade set; confirming a multilevel evaluation index, and constructing an index evaluation system of a four hierarchy structure formed by an overall objective layer, a criterion layer, a discrimination layer and an index layer according to the confirmed evaluation index; confirming value ranges of the evaluation index of the index layer according to three modes of using an actual number, a percentage and a status value; using a matrix judgment method to calculate the weight of the evaluation index according to the importance degree of the evaluation index and structural relationships among the four layers, confirming the value of the evaluation index according to information which constitutes an index element, and then using a preset subordinating degree function to calculate the subordinating degree valued of the evaluation index according to the value of the evaluation index; using the AHP to evaluate the credit grade of an evaluated object. The credit evaluation method based on the AHP has the advantages of being objective, scientific and accurate, and can be widely used in the credit evaluation field.

Description

technical field [0001] The invention relates to the field of credit evaluation, in particular to a credit evaluation method based on analytic hierarchy process. Background technique [0002] With the deepening of my country's economic marketization process, commercial credit plays an increasingly important role in the market economy. In order to maintain the order of the market economy, promote the healthy development of the market, prevent and resolve credit risks, etc., it is imperative to establish a sound and perfect enterprise credit evaluation system. [0003] The current corporate credit rating generally adopts the subjective evaluation method of expert experience judgment. The evaluation results are easily affected by the experience, level and human subjective factors of experts. The evaluation is not objective and accurate enough, and the evaluation index setting is relatively single, lacks balance, and is not scientific enough. . Contents of the invention [00...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00
Inventor 黎东初黄娟黄建平
Owner 广东省标准化研究院
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