Credit evaluation method based on tax big data analysis

Abstract

The invention discloses a credit evaluation method based on tax big data analysis, and relates to the technical field of administrative management. Aiming to solve the problem of lagging of the existing tax payment credit evaluation, the method of the technical scheme comprises the steps of extracting and processing the tax data; performing the significant feature extraction on the evaluation subject of the tax data; analyzing the tax data, selecting and verifying the indexes, and scenarizing the extracted significant features; establishing an index system hierarchical structure based on the AHP; constructing a judgment matrix based on the hierarchical structure; calculating a normalized feature vector corresponding to the maximum feature value of the judgment matrix; calculating the weight of each index further, wherein each criterion and each index have a weight coefficient, and the sum of the weight coefficients of each layer is equal to 1; setting an initial value according to the influence degree of each index; and constructing and training a credit scoring model to obtain a new credit scoring model capable of directly outputting a scoring result. According to the invention, the taxpayer behaviors can be embodied through the credit scores more accurately and timely.

Description

technical field [0001] The invention relates to the technical field of administrative management, in particular to a credit evaluation method based on tax big data analysis. Background technique [0002] The current mainstream credit evaluation methods are AHP (Analytic Hierarchy Process, that is, Analytical Hierarchy Process) and fuzzy comprehensive evaluation method. For example, the bank's credit evaluation is to construct an index system based on the lender's behavior and basic information, and set the score by weight. Perform scoring and ratings to obtain a quantitative measure of a lender's creditworthiness. This method has many problems such as the influence of human subjective factors and the lag of weight adjustment, which cannot quickly reflect the overall changing trend when the situation changes. Contents of the invention [0003] The present invention aims at the needs and deficiencies of the current technological development, and aims at the defect that th...

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Problems solved by technology

[0003] The present invention aims at the needs and deficiencies of the current technological development, and aims at the defect that the traditional tax credit evaluation cannot be effectively managed even if untrustworthy behaviors are found in the summary based on behavioral data, and provides a credit evaluation method based on taxation big data analysis to solve the problem The Lag of Tax Credit Evaluation

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