Small and medium-sized enterprise risk early warning model training method and device, equipment

Abstract

The invention relates to a small and medium-sized enterprise risk early warning model training method and device, and equipment. The method comprises the following steps: acquiring enterprise data of small and medium-sized enterprises, selecting positive samples and negative samples according to a predefined sample division standard, and performing feature extraction on the samples according to predefined enterprise basic attribute features, internal attribute features and external attribute features to obtain a plurality of feature variables; and training the characteristic variables by using a machine learning algorithm, thereby obtaining a risk early warning model for small and medium-sized enterprises. Through the arrangement, multi-point information acquisition and multi-risk assessment can be realized, so that the enterprise credit risk can be comprehensively assessed in multiple dimensions, occurrence of the risk can be pre-judged actively, foresidly and efficiently, large loss of loan providers such as banks and the like is avoided, and the risk investigation difficulty and cost are reduced.

Description

technical field [0001] The present application relates to the technical field of enterprise risk early warning, in particular to a small and medium-sized enterprise risk early warning model training method, device and equipment. Background technique [0002] With the development of the economy, there are more and more diversified and differentiated credit products of commercial banks, which not only facilitates the majority of enterprises to obtain better financing, but also has a major impact on the bank's risk control methods, especially for the operation of small and medium-sized enterprises. Risks have increased significantly. Banks lack corresponding data acquisition channels and accumulation of risk control technology. At the same time, corporate risk manifestations are diversified, making it more difficult for banks to identify risks. Therefore, how to find an effective and timely risk warning method is an urgent pain point that loan providers such as commercial banks...

AI Technical Summary

Problems solved by technology

[0004] This application provides a small and medium-sized enterprise risk early warning model training method, device and equipment to at least to a certain extent solve the lack of timeliness of the existing risk early warning methods, redundant early warning information, high false alarm rate, difficulty and cost of risk investigation high problem

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