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Dynamic small and medium-sized enterprise credit scoring method and system based on GRA

A technology for credit scoring and small and medium-sized enterprises, which is applied in data processing applications, instruments, finance, etc., and can solve the problems of difficulty in accurately evaluating the credit status of small and medium-sized enterprises.

Pending Publication Date: 2020-12-08
天元大数据信用管理有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] The technical task of the present invention is to provide a dynamic SME credit scoring method and system based on GRA, to solve the current situation that it is difficult to accurately evaluate the credit status of SMEs, how to realize the use of multi-source SME information, comprehensively analyze the development trend of SMEs, Questions That Produce Accurate, Robust Credit Scores

Method used

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  • Dynamic small and medium-sized enterprise credit scoring method and system based on GRA
  • Dynamic small and medium-sized enterprise credit scoring method and system based on GRA
  • Dynamic small and medium-sized enterprise credit scoring method and system based on GRA

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Embodiment 1

[0100] as attached figure 1 Shown, the dynamic SME credit scoring method based on GRA of the present invention, this method is specifically as follows:

[0101] S1. Obtain time-series characteristic data: obtain time-series credit characteristic data of the industry in which the evaluated enterprise belongs and the evaluated enterprise at / 1 sampling time point;

[0102] S2. Binning conversion feature data: use the feature binning model based on decision tree classifier and information entropy evaluation to obtain the binning coding results of credit feature data corresponding to each time series credit feature at each collection time point;

[0103] S3. Calculate the credit feature score: use the logistic regression classifier and the credit score card model to convert each feature binning coding result of the evaluated enterprise into its corresponding credit feature score;

[0104] S4. Calculating the reference sequence: use the highest score of the credit score corresponding...

Embodiment 2

[0166] The dynamic SME credit scoring system based on GRA of the present invention, this system comprises,

[0167] The time series characteristic data acquisition module is used to obtain the time series credit characteristic data of the industry in which the evaluated enterprise is located and the evaluated enterprise at the sampling time point;

[0168] The feature data binning conversion module is used to use the feature binning model based on the decision tree classifier and information entropy evaluation to obtain the credit feature data binning coding results corresponding to each time series credit feature at each collection time point;

[0169] The credit feature score calculation module is used to use the logistic regression classifier and the credit score card model to convert each feature binning coding result of the evaluated enterprise into its corresponding credit feature score score;

[0170] The reference sequence calculation module is used to use the highest ...

Embodiment 3

[0174] An embodiment of the present invention also provides an electronic device, including: a memory and at least one processor;

[0175] Wherein, the memory stores computer-executable instructions;

[0176] The at least one processor executes the computer-executed instructions stored in the memory, so that the at least one processor executes the GRA-based dynamic SME credit scoring method in any embodiment of the present invention.

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Abstract

The invention discloses a dynamic small and medium-sized enterprise credit scoring method and system based on GRA, belongs to the technical field of credit assessment, and aims to solve the technicalproblem of how to comprehensively analyze the development trend of small and medium-sized enterprises and generate an accurate and stable credit score by applying multi-source small and medium-sized enterprise information to solve the current situation that the credit conditions of the small and medium-sized enterprises are difficult to accurately assess. The method specifically comprises the following steps: acquisition of time series feature data: obtaining the industry of an assessed enterprise and the time series credit feature data of the assessed enterprise at an acquisition time point;binning conversion of the feature data: obtaining a credit feature data binning coding result corresponding to each time series credit feature at each acquisition time point by using a feature binningmodel based on a decision tree classifier and information entropy evaluation; calculating a credit feature score; calculating a reference sequence; generating a credit assessment value sequence; dynamically predicting a credit risk. The invention further discloses a dynamic small and medium-sized enterprise credit scoring system based on GRA.

Description

technical field [0001] The invention relates to the technical field of credit assessment, in particular to a GRA-based dynamic small and medium-sized enterprise credit scoring method and system. Background technique [0002] In recent years, thanks to the support of inclusive financial policies, the cost of loans for small and medium-sized enterprises has decreased, and the loan volume has continued to increase. However, due to the short duration of existence of small and medium-sized enterprises, non-standardized financial data, and vulnerability to macro-environment and economic cycles, it is difficult to form an accurate credit evaluation only by analyzing financial indicators. [0003] Credit scoring is a technology that rigorously analyzes customer characteristic data and uses a specific credit scoring model to calculate a score that can reflect the customer's ability to fulfill economic responsibilities and its degree of trustworthiness. Usually, the credit scoring mo...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/24323
Inventor 崔光裕边松华崔乐乐
Owner 天元大数据信用管理有限公司
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