Enterprise family-oriented small and micro enterprise credit evaluation model construction method and system

Abstract

The invention discloses an enterprise family-oriented small and micro enterprise credit evaluation model construction method and system, belongs to the field of enterprise credit evaluation, and aimsto solve the technical problem of how to realize enterprise family-oriented small and micro enterprise credit evaluation. The enterprise family-oriented small and micro enterprise credit evaluation model construction method comprises the steps: obtaining sample data; dividing the sample data into a training set and an evaluation set; constructing an evaluation model through a random forest method,wherein the evaluation model is composed of an enterprise owner credit evaluation sub-model and an enterprise behavior credit evaluation sub-model, and the weighted sum of credit scores of the enterprise owner credit evaluation sub-model and the enterprise behavior credit evaluation sub-model serves as evaluation output of the evaluation model; taking the training set as input, and training the evaluation model through a ten-fold cross validation algorithm and a parameter grid optimization algorithm; and taking the evaluation set as input, and performing parameter fine adjustment on the initial evaluation model through a grid search method. The enterprise family-oriented small and micro enterprise credit evaluation model construction system comprises a data acquisition module, a sample division module, a model construction module, a model training module and a model optimization module.

Description

technical field [0001] The invention relates to the field of enterprise credit evaluation, in particular to a method and system for constructing a small and micro enterprise credit evaluation model for enterprise families. Background technique [0002] Small and micro enterprises owned by business owners play a pivotal role in expanding employment, improving people's livelihood, and promoting stability. However, such small and micro enterprises have weak anti-risk capabilities, few collaterals, irregular operation and management, and opaque credit information. Problems such as the difficulty of credit evaluation cannot meet the bank's credit policy, resulting in a large degree of inability to obtain bank loans. To this end, a credit evaluation method for small and micro enterprises is proposed for the family of business owners. With the help of the big data of operators, credit evaluation can be carried out from the business owners themselves and corporate behavior, suppleme...

AI Technical Summary

Problems solved by technology

[0002] Small and micro enterprises owned by business owners play a pivotal role in expanding employment, improving people's livelihood, and promoting stability. However, such small and micro enterprises have weak anti-risk capabilities, few collaterals, irregular operation and management, and opaque credit information. Problems such as difficulty in credit evaluation cannot meet the bank's credit policy, resulting in a large degree of inability to obtain bank loans

Images