Account receivable default risk identification method and system
A technology of accounts receivable and risk identification, applied in the field of accounts receivable default risk identification, can solve problems such as business crisis, bad debt loss of enterprises, and shortage of working capital, so as to reduce the probability of bad debt risk and ensure safety Effect
Active Publication Date: 2020-03-24
安徽海汇金融投资集团有限公司
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Problems solved by technology
Due to the default of the payer, the recovery of accounts receivable is not in place, which will cause the company's liquidity to be tight at the slightest, and cause a large amount of bad debt losses to the company, and even cause the capital chain to break and cause a business crisis. Therefore, how to effectively identify the accounts receivable Credit risk, avoiding the risk of repayment, and reducing the risk of bad debt loss are important issues to be solved in the management of accounts receivable
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[0035] In order to further illustrate the features of the present invention, please refer to the following detailed description and accompanying drawings of the present invention. The accompanying drawings are for reference and description only, and are not intended to limit the protection scope of the present invention.
[0036] Such as Figure 1-Figure 2 As shown, this embodiment discloses a method for identifying the default risk of accounts receivable, including the following steps S1 to S6:
[0037] S1. Obtain historical data of accounts receivable;
[0038] S2. Process the historical data of each account receivable to obtain the characteristic variables related to whether the target variable is in breach of contract;
[0039] S3. Divide the feature variable into a training set and a test set in proportion;
[0040] S4. Establishing a support vector machine model for identifying the default risk of accounts receivable;
[0041] S5. Using the training set and the test ...
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The invention discloses an account receivable default risk identification method and system, and belongs to the technical field of artificial intelligence. The account receivable default risk identification method comprises the steps: obtaining account receivable historical data; processing each piece of receivable historical data to obtain a characteristic variable related to whether the target variable is default or not; dividing the characteristic variables into a training set and a test set in proportion; establishing a support vector machine model for identifying account receivable default risks; respectively training and testing the support vector machine model by utilizing the training set and the test set to obtain an optimal risk identification model; obtaining the account receivable to be predicted, obtaining the characteristic variable of the account receivable to be predicted, inputting the characteristic variable into the optimal risk identification model, and judging whether the account receivable expiration repayer to be predicted breaks the default or not. According to the account receivable default risk identification method, whether each receivable account expiration repayer has a default or not can be predicted, and the risk of default bad debt of receivable accounts can be fully identified.
Description
technical field [0001] The invention relates to the technical field of artificial intelligence, in particular to a method for identifying the default risk of accounts receivable. Background technique [0002] Accounts receivable is an important part of the company's current assets, and the management of accounts receivable directly affects the turnover and economic benefits of the company's operating funds. Due to the default of the payer, the recovery of accounts receivable is not in place, which will cause the company's liquidity to be tight at the slightest, and cause a large amount of bad debt losses to the company, and even cause the capital chain to break and cause a business crisis. Therefore, how to effectively identify the accounts receivable Credit risk, avoiding the risk of repayment, and reducing the risk of bad debt loss are important issues that need to be solved urgently in the management of accounts receivable. Contents of the invention [0003] The purpos...
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Login to View More IPC IPC(8): G06Q10/06G06Q40/02G06N20/10
CPCG06Q10/0635G06N20/10G06Q40/03
Inventor 黄林梁樑曾水保王晓燕朱香友黄晓漫黄超
Owner 安徽海汇金融投资集团有限公司