Enterprise credit rating system and evaluation method

Abstract

The invention relates to the technical field of credit evaluation, in particular to an enterprise credit rating system and evaluation method, and the enterprise credit rating system comprises a data acquisition module which is used for regularly acquiring enterprise bidding announcement information and bidding winning information of each transaction center; a data cleaning module which is used forfiltering the collected announcements, and an index weight determination module which is used for randomly extracting part of data from historical data as training data by using a machine learning random forest (CRF) regression algorithm and putting the training data into the algorithm to construct a model; a credit score calculation module which is used for calculating a corresponding dimensionscore according to the weight of each dimension of the index and storing a calculation result into the relational database; and a user search display module which is used for searching by a user and displaying a search result. For investors, enterprises with high credit rating can be better screened as investment objects, risks are avoided, and benefits are improved. For enterprises, financing cost can be reduced.

Description

technical field [0001] The invention relates to the technical field of credit rating, in particular to an enterprise credit rating system and evaluation method. Background technique [0002] With the rapid development and changes of society, the market economy has gradually entered the era of credit economy. In such an era, credit plays an important role for both individuals and enterprises. The role of personal credit is obvious when handling car loans, housing loans, etc., and corporate credit also plays a vital role in commercial activities such as bidding and government procurement. Only with integrity can an individual or business gain a foothold in society and be recognized and depend on. In the modern economy and society, credit is not only a code of ethics, but also an important resource that can bring economic benefits to enterprises, and to a certain extent is even more important than material resources and human resources. [0003] For a long time, the credit r...

AI Technical Summary

Problems solved by technology

For some potential and well-developed small and medium-sized enterprises, due to the short establishment time and lack of funds, it is often difficult to prepare capital, which limits their rapid development

[0004] Therefore, it is necessary to establish an enterprise information evaluation system to conduct a fair evaluation of the basic information and credit information of the enterprise, and solve the problems of limited business conditions and development prospects of existing small and medium-sized enterprises.

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