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Enterprise credit risk evaluation method and system based on association relationship

A technology of association relationship and risk evaluation, applied in the field of enterprise credit risk evaluation based on association relationship, can solve problems such as inability to accurately predict enterprise credit risk

Inactive Publication Date: 2020-07-10
HEFEI UNIV OF TECH
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0006] Aiming at the deficiencies of the prior art, the present invention provides an enterprise credit risk evaluation method and system based on association relationship, which solves the technical problem that the prior art cannot accurately predict the credit risk of the enterprise

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  • Enterprise credit risk evaluation method and system based on association relationship
  • Enterprise credit risk evaluation method and system based on association relationship
  • Enterprise credit risk evaluation method and system based on association relationship

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Embodiment Construction

[0051] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention are clearly and completely described. Obviously, the described embodiments are part of the embodiments of the present invention, not all of them. example. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0052] The embodiment of the present application solves the technical problem that the existing technology cannot accurately predict the credit risk of the enterprise by providing a method and system for evaluating the credit risk of the enterprise based on the relationship, and realizes the accurate prediction of the credit risk of the enterprise.

[0053] The technical solution in the embodiment of the present application is to s...

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Abstract

The invention provides an enterprise credit risk evaluation method and system based on an association relationship, and relates to the field of enterprise risk evaluation. The method comprises the following steps: obtaining enterprise association relationship data to form historical data; constructing an enterprise network based on the historical data; identifying enterprise risk events of all enterprises in the enterprise network; quantifying the association risk of the enterprise based on the enterprise network and the enterprise risk event; obtaining an effective association risk factor based on the quantified enterprise association risk; and predicting the default risk of the enterprise based on the effective association risk factor and the traditional enterprise credit risk evaluationfactor. The credit risk of the enterprise can be accurately predicted.

Description

technical field [0001] The invention relates to the technical field of enterprise risk assessment, in particular to an enterprise credit risk assessment method and system based on association relationship. Background technique [0002] As an important part of the national economy, SMEs are of great significance to economic development. However, due to factors such as lack of collateral and unsound financial systems, small and medium-sized enterprises face great difficulties in financing. The difficulty of financing for SMEs is mainly due to information asymmetry, which makes commercial banks use limited information when evaluating credit risks of SMEs. [0003] At present, the credit risk assessment of small and medium-sized enterprises widely used mainly predicts the credit risk of small and medium-sized enterprises from the operation, finance, market and other indicators of a single enterprise. Most of the related risk studies are mainly based on the asset related relati...

Claims

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Application Information

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IPC IPC(8): G06Q10/04G06Q10/06G06Q40/02
CPCG06Q10/04G06Q10/0635G06Q40/03
Inventor 蒋翠清龙晶晶王钊殷畅
Owner HEFEI UNIV OF TECH
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