Method and device for measuring financial risks of small and micro enterprises

Abstract

The invention discloses a method and a device for measuring financial risks of small and micro enterprises, electronic equipment and a storage medium, and belongs to the technical field of financial industry risks. The method comprises the following steps: by taking the industrial and commercial data, credit investigation data and homonymy data of a small and micro enterprise and the in-bank settlement data, blacklist data and historical data of the small and micro enterprise in a bank as rejection strategies, carrying out data preprocessing on the screened invoice data of the small and microenterprises to obtain a data feature set; calculating the data feature set by using an LR model and an XGBoost model, comparing the average value of the obtained probability mapping scores with a threshold value, and if the average value is greater than the threshold value, determining that the customer is a good customer, otherwise, determining that the customer is a bad customer; and dividing the bad customers into bad customers with various different risk tags by using an LR softmax multi-classification model. Secondary classification prediction and primary classification are adopted to divide small and micro enterprises into good customers and bad customers; and secondary classification divides bad customers into bad customers with different risk categories, so that a more accurate prediction method is provided for financial industries such as banks and the like.

Description

technical field [0001] The invention belongs to the technical field of risk in the financial industry, and in particular relates to a method, device, electronic equipment and storage medium for measuring the financial risk of small and micro enterprises. Background technique [0002] Traditional financial risk measurement methods pay more attention to the use of enterprise operating funds, total assets, total liabilities and other book data for measurement. Traditional book data are often company secrets and privacy. Generally, book information is highly confidential when assessing risks, and it is difficult to evaluate other Risks, and the targets are often large companies. Moreover, the existing financial risk measurement methods cannot classify risk types. Contents of the invention [0003] In view of the above existing problems, the present invention provides a method, device, electronic equipment and storage medium for measuring the financial risk of small and micro ...

AI Technical Summary

Problems solved by technology

[0002] Traditional financial risk measurement methods pay more attention to the use of enterprise operating funds, total assets, total liabilities and other book data for measurement. Traditional book data are often company secrets and privacy. Generally, book information is highly confidential when assessing risks, and it is difficult to evaluate other risky and often target large companies

Moreover, existing financial risk measurement methods cannot classify risk types.

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