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
View PDF0 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

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

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • 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

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0051] In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention are described clearly and completely. 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 those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

[0052] The embodiment of the application solves the technical problem that the prior art cannot accurately predict the credit risk of the enterprise by providing an enterprise credit risk evaluation method and system based on the association relationship, and realizes the accurate prediction of the enterprise credit risk.

[0053] The technical solution in the embodiment of the present application is to solve the above technical pr...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

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

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
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
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap