Enterprise family-oriented small and micro enterprise credit evaluation model construction method and system

A technology of credit evaluation and evaluation model, applied in data processing applications, instruments, finance, etc., can solve problems such as weak anti-risk ability, irregular operation and management, and few collaterals

Pending Publication Date: 2019-11-01
INSPUR QILU SOFTWARE IND
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Small and micro enterprises owned by business owners play a pivotal role in expanding employment, improving people's livelihood, and promoting stability. However, such small and micro enterprises have weak anti-risk capabilities

Method used

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  • Enterprise family-oriented small and micro enterprise credit evaluation model construction method and system
  • Enterprise family-oriented small and micro enterprise credit evaluation model construction method and system
  • Enterprise family-oriented small and micro enterprise credit evaluation model construction method and system

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Experimental program
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Effect test

Embodiment 1

[0073] as attached figure 1 As shown, the enterprise family-oriented small and micro enterprise credit evaluation model construction method of the present invention includes the following steps:

[0074] S100. Obtain sample data. The sample data includes multiple feature indicators and multiple credit score data. The above multiple feature indicators are credit evaluation attributes based on the extraction of small and micro enterprise portrait features. The above multiple credit score data comes from the operation Hexin points and Internet platforms of merchants, Internet platforms such as Qichacha;

[0075] S200. Divide the above sample data into a training set and an evaluation set;

[0076] S300. Construct an evaluation model by the random forest method, the evaluation model is composed of an enterprise owner credit evaluation sub-model and an enterprise behavior credit evaluation sub-model, and setting influence weights, based on the business owner credit evaluation sub-...

Embodiment 2

[0111] The enterprise family-oriented small and micro enterprise credit evaluation model building system of the present invention includes a data collection module, a sample division module, a model building module, a model training module and a model optimization module.

[0112] Wherein, the data acquisition module is used to obtain sample data, and the sample data includes multiple feature indicators and multiple credit score data, the above multiple feature indicators are credit evaluation attributes based on the extraction of small and micro enterprise portrait features, and the above credit score The data comes from the operator's Hexinfen and Internet platforms, such as Qichacha.

[0113] The sample division module is used to divide the collected sample data into a training set and an evaluation set.

[0114] The model construction module is used to construct the evaluation model by the random forest method, and the evaluation model is composed of the business owner cre...

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Abstract

The invention discloses an enterprise family-oriented small and micro enterprise credit evaluation model construction method and system, belongs to the field of enterprise credit evaluation, and aimsto solve the technical problem of how to realize enterprise family-oriented small and micro enterprise credit evaluation. The enterprise family-oriented small and micro enterprise credit evaluation model construction method comprises the steps: obtaining sample data; dividing the sample data into a training set and an evaluation set; constructing an evaluation model through a random forest method,wherein the evaluation model is composed of an enterprise owner credit evaluation sub-model and an enterprise behavior credit evaluation sub-model, and the weighted sum of credit scores of the enterprise owner credit evaluation sub-model and the enterprise behavior credit evaluation sub-model serves as evaluation output of the evaluation model; taking the training set as input, and training the evaluation model through a ten-fold cross validation algorithm and a parameter grid optimization algorithm; and taking the evaluation set as input, and performing parameter fine adjustment on the initial evaluation model through a grid search method. The enterprise family-oriented small and micro enterprise credit evaluation model construction system comprises a data acquisition module, a sample division module, a model construction module, a model training module and a model optimization module.

Description

technical field [0001] The invention relates to the field of enterprise credit evaluation, in particular to a method and system for constructing a small and micro enterprise credit evaluation model for enterprise families. Background technique [0002] Small and micro enterprises owned by business owners play a pivotal role in expanding employment, improving people's livelihood, and promoting stability. However, such small and micro enterprises have weak anti-risk capabilities, few collaterals, irregular operation and management, and opaque credit information. Problems such as the difficulty of credit evaluation cannot meet the bank's credit policy, resulting in a large degree of inability to obtain bank loans. To this end, a credit evaluation method for small and micro enterprises is proposed for the family of business owners. With the help of the big data of operators, credit evaluation can be carried out from the business owners themselves and corporate behavior, suppleme...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 沈林江张笑笑
Owner INSPUR QILU SOFTWARE IND
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