Commercial value credit loan evaluation method for small and medium-sized enterprises

Abstract

The invention discloses a medium and small enterprise commercial value credit loan evaluation method. The method comprises steps of selecting a starting and ending credit granting time period in an overall effective sample data set as a time window period, and determining an enterprise default frequency or a time level interval with a stable trend through a time window; establishing a database table according to the business indexes of the enterprise financing application, comparing the difference between denial of credit granting and actual loaning enterprises on the business indexes, and providing a commercial value credit loan evaluation model for distinguishing whether the enterprises can obtain bank credit granting or not by utilizing a data mining algorithm; and whether the financingapplication enterprise meets the bank credit granting requirement being effectively identified through the commercial value credit loan evaluation model. According to the method, the commercial valuecredit loan evaluation requirements of small and medium-sized enterprises are realized based on historical data, the enterprise object capable of obtaining the current cooperative bank loan with highprobability can be effectively identified, the loan obtaining rate of platform financing application enterprises is improved, and problems of difficult financing, high financing cost and slow financing of small and medium-sized enterprises are solved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method for evaluating commercial value credit loans of small and medium-sized enterprises. Background technique [0002] At this stage, in response to the financing difficulties of small and medium-sized enterprises, commercial value credit loans for small and medium-sized enterprises have emerged. Commercial value credit loans for small and medium-sized enterprises are loans based on the credit of the borrower. The borrower does not need to provide collateral or third-party guarantees to obtain loans based on his own credit, and the credit of the borrower is used as a repayment guarantee. Due to the relatively high risk of this loan method, it is generally necessary to conduct detailed investigations on the borrower's economic benefits, management level, and development prospects to reduce risks. [0003] At this stage, there is a corresponding management platform for...

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Problems solved by technology

[0005] For this reason, the present invention provides a kind of business value credit loan evaluation method of small and medium-sized enterprises, realizes the business value credit loan evaluation demand of small and medium-sized enterprises based on historical data, effectively identifies the enterprise object that can obtain the current cooperative bank loan with high probability, and solves the problem of financing for small and medium-sized enterprises difficult, expensive and slow financing

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