Dynamic small and medium-sized enterprise credit scoring method and system based on GRA

A technology for credit scoring and small and medium-sized enterprises, which is applied in data processing applications, instruments, finance, etc., and can solve the problems of difficulty in accurately evaluating the credit status of small and medium-sized enterprises.
CN112053233APending Publication Date: 2020-12-08天元大数据信用管理有限公司
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Patent Information

Authority / Receiving Office
CN · China
Current Assignee / Owner
天元大数据信用管理有限公司
Publication Date
2020-12-08

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Abstract

The invention discloses a dynamic small and medium-sized enterprise credit scoring method and system based on GRA, belongs to the technical field of credit assessment, and aims to solve the technicalproblem of how to comprehensively analyze the development trend of small and medium-sized enterprises and generate an accurate and stable credit score by applying multi-source small and medium-sized enterprise information to solve the current situation that the credit conditions of the small and medium-sized enterprises are difficult to accurately assess. The method specifically comprises the following steps: acquisition of time series feature data: obtaining the industry of an assessed enterprise and the time series credit feature data of the assessed enterprise at an acquisition time point;binning conversion of the feature data: obtaining a credit feature data binning coding result corresponding to each time series credit feature at each acquisition time point by using a feature binningmodel based on a decision tree classifier and information entropy evaluation; calculating a credit feature score; calculating a reference sequence; generating a credit assessment value sequence; dynamically predicting a credit risk. The invention further discloses a dynamic small and medium-sized enterprise credit scoring system based on GRA.
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Description

technical field

[0001] The invention relates to the technical field of credit assessment, in particular to a GRA-based dynamic small and medium-sized enterprise credit scoring method and system. Background technique

[0002] In recent years, thanks to the support of inclusive financial policies, the cost of loans for small and medium-sized enterprises has decreased, and the loan volume has continued to increase. However, due to the short duration of existence of small and medium-sized enterprises, non-standardized financial data, and vulnerability to macro-environment and economic cycles, it is difficult to form an accurate credit evaluation only by analyzing financial indicators.

[0003] Credit scoring is a technology that rigorously analyzes customer characteristic data and uses a specific credit scoring model to calculate a score that can reflect the customer's ability to fulfill economic responsibilities and its degree of trustworthiness. Usually, the credit scoring mo...

Claims

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