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Risk quantitative modeling method based on small and medium-sized enterprise credit in textile industry

A modeling method, small and medium-sized technology, applied in the field of risk assessment, can solve problems such as information asymmetry, affecting the accuracy of credit assessment results of small and medium-sized textile enterprises, and the authenticity and integrity of financial information cannot be verified accurately, achieving accuracy high effect

Pending Publication Date: 2019-08-23
苏州盛虹数云科技有限公司
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Problems solved by technology

[0002] In the field of credit risk assessment, compared with traditional large-scale manufacturing enterprises, small and medium-sized textile enterprises have a serious problem of information asymmetry, that is, the authenticity and completeness of the financial information provided by small and medium-sized textile enterprises cannot be verified or verified from the side. evidence, thus seriously affecting the accuracy of the credit evaluation results of small and medium-sized textile enterprises

Method used

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  • Risk quantitative modeling method based on small and medium-sized enterprise credit in textile industry
  • Risk quantitative modeling method based on small and medium-sized enterprise credit in textile industry

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Embodiment Construction

[0021] The present invention will be further described below in conjunction with the drawings:

[0022] A risk quantitative modeling method based on the credit of small and medium-sized enterprises in the textile industry, the method includes the following steps:

[0023] Collecting modeling data: The modeling index data mentioned here includes: purchasing data, login data, payment data, registration data, transaction data, return and exchange data, etc. of the company on the platform;

[0024] Data processing: processing modeling data, including missing value processing, outlier processing, normalization processing, standardization processing and correlation analysis, to obtain characteristic data;

[0025] Missing value processing, deleting the missing value, the sample proportion of the missing value is lower than a specified threshold and the missing value appears randomly in the sample, then each complete data set is analyzed separately, and the analysis results are summarized;

[...

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Abstract

The invention discloses a risk quantitative modeling method based on small and medium-sized enterprise credit in the textile industry, and belongs to the technical field of risk assessment. Accordingto the invention, under the condition that the enterprise financial information cannot be obtained or the obtained enterprise financial information is incomplete or the accuracy cannot be proved; themethod comprehensively presents enterprise characteristics for the behavior portraits and the attribute portraits of the enterprises, adopts the index data to replace financial data, accurately assesses enterprise credit risks, is suitable for enterprise credit assessment of various scales, and is high in accuracy.

Description

Technical field [0001] The invention relates to the technical field of risk assessment, in particular, to a method for quantitative modeling of risks based on the credit of small and medium-sized enterprises in the textile industry. Background technique [0002] In the field of credit risk assessment, compared with traditional large-scale manufacturing enterprises, small and medium-sized textile companies have serious information asymmetry, that is, the authenticity and completeness of financial information provided by small and medium-sized textile companies cannot be verified or viewed from the side. Correspondence, which seriously affects the accuracy of the credit evaluation results of small and medium textile enterprises. Summary of the invention [0003] In order to be able to accurately assess the credit risk of small and medium-sized textile enterprises, embodiments of the present invention provide a method for quantitative modeling of risks based on the credit of small an...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q50/04
CPCG06Q10/0635G06Q10/067G06Q50/04Y02P90/30
Inventor 钱敏吕亚
Owner 苏州盛虹数云科技有限公司
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