The invention discloses a small and micro enterprise loan availability evaluation method, which belongs to the technical field of
data processing, and integrates unstructured operation and semi-structured behavior data, establishes a
dynamic data confidence evaluation matrix, and starts artificial recheck to guarantee
data quality. And constructing a three-layer
fuzzy membership function system, and generating a standardized
score by using an improved interval type-2
fuzzy set and an alpha-
cut algorithm. Defining an interest rate sensitive dimension, generating an initial interest rate hierarchy through an improved
spectral clustering algorithm, and predicting operation fluctuation and adjusting parameters by using a double-layer LSTM (
Long Short Term Memory). And through IPC
cross validation, carrying out residual analysis on the
fuzzy data and on-site collected data, generating a joint
confidence interval through D-S evidence fusion, and evaluating loan availability and outputting a suggestion report on the basis of the joint
confidence interval. According to the method, the existing
evaluation data processing problem is effectively solved, evaluation scientificity, accuracy and comprehensiveness are improved, a reliable decision basis is provided for financial institutions, and accurate customer layering and product
adaptation are assisted to be achieved.