Method for judging commercial value credit loan quota of medium and small enterprises

Abstract

The invention discloses a method for judging commercial value credit loan quota of medium and small enterprises. The method comprises the following steps: selecting a time point with financing application records in an overall effective sample data set to current actual loan sample data as a time window period of a commercial value credit loan quota model; after preliminary credit quality screening is carried out on an enterprise, using a data mining algorithm to train and learn a relationship between an enterprise default probability and an actual loan limit, and acquiring a commercial valuecredit loan limit model which is close to credit line preferences of a cooperative bank to the maximum extent; and obtaining the deviation degree between the observed value and the real value by usingthe root-mean-square error to check the effectiveness of the commercial value credit loan limit model, and determining the commercial value credit loan limit information of the enterprise through thecommercial value credit loan limit model. The credit quality of the enterprises is reflected to the maximum extent, the bank is guided to give the credit line, and the problems of difficult financing, high financing cost and slow financing of medium and small enterprises enterprises are solved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method for judging the amount of commercial value credit loans for 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 ...

AI Technical Summary

Problems solved by technology

[0005] For this reason, the present invention provides a kind of small and medium-sized enterprise business value credit loan amount determination method, gives the small and medium-sized enterprise commercial value credit loan line of credit based on historical data, maximizes the credit quality of the reflection enterprise and guides the bank to give the credit line, solves the problem of small and medium-sized enterprises Difficult, expensive and slow financing problems

Images