Operating enterprise risk assessment method and system based on logistic regression score card

A technology of risk assessment and logistic regression, applied in business, data processing applications, instruments, etc., can solve problems such as failure of corporate portraits, low risk of freight companies, etc., to eliminate hidden dangers, improve overall safety awareness, and strengthen corporate training and assessment The effect of the system

Pending Publication Date: 2022-07-29
SHANDONG UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The inventor found that there are few studies on the risk of freight companies, and the previous research mainly focused on the financial risk evaluation of the company, and failed to make a risk portrait of the company based on the inherent characteristics of the transportation company

Method used

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  • Operating enterprise risk assessment method and system based on logistic regression score card
  • Operating enterprise risk assessment method and system based on logistic regression score card
  • Operating enterprise risk assessment method and system based on logistic regression score card

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] The first embodiment of the present disclosure introduces a risk assessment method for an operating enterprise based on a logistic regression scorecard.

[0053] Most of the traditional research on enterprise risk is based on the current asset ratio, asset-liability ratio, cash flow ratio and other credit management indicators to evaluate the financial risk of the enterprise, and less attention is paid to the hidden risks brought by the characteristics of the internal personnel and operation characteristics of the enterprise to the society. Especially for hazardous chemicals road transport enterprises, the dangerous driving behavior of drivers inside the enterprise and the ignition and explosion of hazardous chemicals have caused serious and bad road traffic accidents. Data and driver characteristic information to evaluate the possible harm caused by the company's vehicles on the road, and to give road managers appropriate management advice, has become the focus of the res...

Embodiment 2

[0106] The second embodiment of the present disclosure introduces an operation enterprise risk assessment system based on a logistic regression scorecard.

[0107] like Figure 9 An operational enterprise risk assessment system based on a logistic regression scorecard is shown, including:

[0108] The building module is configured to obtain the multi-dimensional data of the operating enterprise and construct the enterprise user portrait;

[0109] The evaluation module is configured to evaluate the credit rating of the operating enterprise on the constructed enterprise user portrait through unsupervised learning;

[0110] The evaluation module is configured to construct a scorecard based on the logistic regression model and the assessed credit rating of the operating enterprise, so as to realize the risk assessment of the operating enterprise.

[0111] The detailed steps are the same as those of the logistic regression scorecard-based operating enterprise risk assessment meth...

Embodiment 3

[0113] The third embodiment of the present disclosure provides a computer-readable storage medium.

[0114] A computer-readable storage medium having a program stored thereon, when the program is executed by a processor, implements the steps in the logistic regression scorecard-based operating enterprise risk assessment method according to the first embodiment of the present disclosure.

[0115] The detailed steps are the same as those of the logistic regression scorecard-based operating enterprise risk assessment method provided in the first embodiment, and are not repeated here.

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Abstract

The invention belongs to the technical field, and provides an operating enterprise risk assessment method and system based on a logistic regression score card, and the method comprises the following steps: obtaining multi-dimensional data of an operating enterprise, and constructing an enterprise user portrait; evaluating the credit rating of the operating enterprise on the constructed enterprise user portrait through unsupervised learning; and constructing a score card based on the logistic regression model and the evaluated credit rating of the operating enterprise to realize risk assessment of the operating enterprise.

Description

technical field [0001] The present disclosure belongs to the technical field, and in particular relates to a method and system for risk assessment of an operating enterprise based on a logistic regression scorecard. Background technique [0002] The statements in this section merely provide background information related to the present disclosure and do not necessarily constitute prior art. [0003] In today's business environment, the road freight risk management paradigm has changed; it is characterized by a strategic orientation, i.e. an integrated effort to align the different sustainability issues in risk management. Today, growing customer expectations, competitive markets and environmental degradation put road freight businesses at risk more frequently. [0004] To this end, a company credit rating system is established, the company's credit rating method is studied, the corresponding credit scoring model is established, and the company's credit rating and financial ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q30/00G06K9/62
CPCG06Q10/0635G06Q10/0639G06Q30/018G06F18/23213
Inventor 王旭马菲于迪张伟景峻邹博
Owner SHANDONG UNIV
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