Social media data and multi-standard cross authentication fused credit rating method

Abstract

The invention discloses a social media data and multi-standard cross authentication fused credit rating method, and belongs to the technical field of credit rating. The method comprises the steps of determining a credit rating standard and a credit rating of an enterprise; Wherein the credit rating standard comprises a financial standard, a non-financial standard and a social media standard; collecting financial data, non-financial data and social media data of the enterprise; obtaining a financial standard performance score, a non-financial standard performance score and a social media scoreof the enterprise; calculating the total cumulative confidence of the enterprise based on the financial standard performance score, the non-financial standard performance score and the social media score of the enterprise according to the weight of each credit rating standard; and performing credit rating on the enterprise according to the total cumulative confidence and the risk attitude threshold. According to the invention, the social media data and the traditional rating method are integrated, the performance performance score of each enterprise is converted into the accumulated confidencecoefficient (CBD), and a comprehensive and reliable credit rating is obtained.

Description

technical field [0001] The present invention relates to the technical field of credit rating, in particular to a credit rating method that integrates social media data and multi-standard cross-certification, and specifically proposes a multi-standard credit rating method based on cumulative confidence (CBD), which is used to determine corporate credit ratings. into social media data. Background technique [0002] In banking, "credit" can be defined as granting a specific person or organization access to a specific resource, with an agreement that sets pre-determined conditions for lenders and borrowers. In order to establish an effective credit risk management system, banks should measure the size and potential impact of credit risk. The basic task of credit evaluation is to classify enterprises into risk groups. If the enterprise performs well in terms of repayment ability and repayment willingness, it can be regarded as a company with good reputation. Enterprises with b...

AI Technical Summary

Problems solved by technology

This method is mainly for corporate credit rating based on financial data, without considering the impact of social media on corporate credit, and cannot fully evaluate corporate credit

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