Credit evaluation method and system for small and micro enterprises, storage medium and electronic equipment

A credit evaluation and enterprise technology, applied in the field of data analysis, can solve the problems of enterprise credit evaluation model generation algorithm, lack of information, inequity, etc., to shorten the time of credit evaluation, objective and comprehensive enterprise evaluation, and improve efficiency.

Pending Publication Date: 2021-07-02
南京星云数字技术有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, currently, due to the large number of small and micro enterprises, various types, scattered distribution, even lack of information, and extreme information asymmetry, there is no effective enterprise credit evaluation model generation algorithm based on the operating data of small and micro enterprises, resulting in small and micro enterprises There are problems such as uncertainty and unfairness in credit evaluation

Method used

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  • Credit evaluation method and system for small and micro enterprises, storage medium and electronic equipment
  • Credit evaluation method and system for small and micro enterprises, storage medium and electronic equipment
  • Credit evaluation method and system for small and micro enterprises, storage medium and electronic equipment

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Experimental program
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Embodiment 1

[0048] see figure 1 , a credit evaluation method for small and micro enterprises, comprising:

[0049] Obtain and clean the sample business data of the sample enterprises, determine the variable weight corresponding to each variable based on the cleaned sample business data, and create a weighted average model;

[0050] Input the business data of the evaluated enterprise into the weighted average model to calculate the score of the evaluated enterprise, generate an evaluation report and display it to the user and / or upload it to the server.

[0051] The credit evaluation method for small and micro enterprises provided by the present invention utilizes statistical principles, machine learning and algorithmic modeling to firstly analyze and process sample business data, use the principal component method to determine the weight of each variable, and then generate a weighted average model; then according to the large The principle of data correlation, based on the generated mode...

Embodiment 2

[0099] A credit evaluation system for small and micro enterprises, including a model generation module and an evaluation module, wherein the model generation module is used to obtain and clean sample business data of sample enterprises, and determine the variable weight corresponding to each variable based on the cleaned sample business data , creating a weighted average model; the evaluation module is used to input the business data of the evaluated enterprise into the weighted average model to calculate the score of the evaluated enterprise, generate an evaluation report and display it to the user and / or upload it to the server.

[0100] The credit evaluation system for small and micro enterprises provided by the present invention adopts the credit evaluation method for small and micro enterprises in the above-mentioned embodiment 1 to perform dynamic ratings on the evaluated enterprises, which can more objectively and comprehensively reflect the credit level of the evaluated ...

Embodiment 3

[0102] An embodiment of the present invention provides a computer-readable storage medium having computer-readable program instructions stored thereon, and the computer-readable program instructions are used to execute the credit evaluation method for small and micro enterprises in the first embodiment above.

[0103] The computer-readable storage medium provided by the embodiments of the present invention may be—but not limited to—electric, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems, or devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitab...

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Abstract

The invention discloses a credit evaluation method and system for small and micro enterprises, a storage medium and electronic equipment, and the method comprises the steps of obtaining and cleaning sample operation data of a sample enterprise, determining a variable weight corresponding to each variable based on the cleaned sample operation data, and creating a weighted average model; and inputting the operation data of the evaluated enterprise into the weighted average model to calculate the score of the evaluated enterprise, generating an evaluation report and displaying the evaluation report to a user and / or uploading the evaluation report to a server. The system realizes the credit evaluation method of the small and micro enterprises, performs dynamic rating on the evaluated enterprises, more objectively and comprehensively reflects the credit level of the evaluated enterprises, shortens the time for performing credit evaluation on the small and micro enterprises, and improves the risk admission efficiency of financial institutions.

Description

technical field [0001] The invention relates to the technical field of data analysis, in particular to a credit evaluation method, system, storage medium and electronic equipment for small and micro enterprises. Background technique [0002] Enterprise credit evaluation refers to: credit rating service agencies use the objective and fair position of a third party, according to the standardized evaluation index system, use scientific evaluation methods, and perform strict evaluation procedures to evaluate the basic information, judicial involvement, operating conditions, After a comprehensive understanding, due diligence and analysis of the five dimensions of contract performance history and legal person qualifications, a comprehensive evaluation is made on its ability to fulfill its commitments in the future and various risks that may arise, and certain symbols are used to indicate its Pros and cons and announced to the public's economic activities. [0003] However, at pre...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06F16/2458
CPCG06Q10/06393G06F16/2462
Inventor 刘培彬黄海龙刘钱
Owner 南京星云数字技术有限公司
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