Credit evaluation method and system based on dynamic development trend

Abstract

The invention discloses a credit evaluation method and system based on a dynamic development trend, and the method comprises the following steps: determining a subjective weight and an objective weight, and obtaining an enterprise credit evaluation score and a credit grade; introducing a time degree concept, calculating maximization of time weight vector information entropy, and determining time weight of credit evaluation; and calculating the membership degree of each evaluation factor to the evaluation grade, constructing a fuzzy evaluation matrix, and substituting the fuzzy evaluation matrix into the time weight vector to obtain a credit dynamic evaluation value. A dynamic credit evaluation mode is adopted to replace an existing static credit evaluation mode, the dynamic change trend of the enterprise credit state is reflected through the historical credit values in multiple periods, and compared with a single-period credit static evaluation method, historical credit information can be fully mined, a more reasonable credit evaluation value is obtained, and reference is provided for the government to realize differentiated supervision and play reward and punishment roles.

Description

technical field [0001] The invention belongs to the field of water conservancy project credit system construction, and relates to a water conservancy construction market subject credit dynamic model technology, in particular to a credit evaluation method and system based on a dynamic development trend. Background technique [0002] The credit rating evaluation cycle of the water conservancy industry is as long as three years, and the evaluation cycle is long, which makes it difficult to truly reflect the credit status of market players; most evaluation methods use simple addition and subtraction point accumulation methods, and the evaluation methods are unscientific; credit evaluation results are mainly different time series The static credit value of the cross-section can easily lead to the distortion of the credit evaluation results, and cannot reflect the trend and law of credit development. Therefore, the current credit evaluation method has been difficult to meet the act...

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Problems solved by technology

[0002] The credit rating evaluation cycle of the water conservancy industry is as long as three years, and the evaluation cycle is long, which makes it difficult to truly reflect the credit status of market players; most evaluation methods use simple addition and subtraction point accumulation methods, and the evaluation methods are unscientific; credit evaluation results are mainly different time series The static credit value of the cross-section can easily lead to the distortion of the credit evaluation results, and cannot reflect the trend and law of credit development. Therefore, the current credit evaluation method has been difficult to meet the actual needs of the dynamic credit management of water conservancy construction market entities.

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