The invention discloses an enterprise credit
risk assessment method based on
big data collection, and relates to the technical field of
big data analysis, and the method comprises the steps: constructing a space-time fusion engine, carrying out the fusion through combining a cross-
modal attention mechanism, generating a space-time fusion feature, and carrying out the adversarial training through a gradient inversion layer and
a domain classifier, eliminating space-time fusion feature distribution differences; based on space-time fusion features, constructing a causal graph skeleton by adopting a conditional independent
test algorithm, quantifying causal effect intensity among nodes through a
machine learning model, constructing a risk conduction dynamic model, and predicting risk conduction intensity based on the causal effect intensity; and based on the risk conduction intensity, calculating a
risk index weight through a dynamic game network, generating an enterprise risk
score in combination with the space-time fusion feature, and generating a dynamic risk
score through a
time sequence neural network. According to the invention, by constructing the space-time fusion engine and combining the cross-
modal attention mechanism, efficient fusion of multi-
modal data is realized, and the accuracy and robustness of feature expression are improved.