The Application Of Traditional Methods And Evolutionary Computation In Credit Assessment Of Enterprise

Market economy is credit economy and legal economy. Credit is the foundation of an enterprise to survive and develop in severe market competition. After the occurance of " Yin-guangxia Event", "Enron Event" and other similar credit crisis, people have come to realize that it is not enough to erect credit system only by the way that enterprises strength their own consciousness of commercial moral. It is very urgent to erect and consummate a credit assessment system, which is an important part of market economy, especially under the circumstances that our market economy is not so perfect. Because the market economy has the characters of high investments, high benefits and high risks, investors and creditors need to know credit state of enterprise in order to make strategy prudently.At present, after ten years' development, the problems that credit assessment lack of independence still exist. Nowadays the credit assessment has no significan effect in society. The standards for credit assessment are also not unified. So it is significant to accelerate the development of credit assessment after China has entered WTO.The article mainly discusses the conception of assessment, how to erect the enterprise credit assessment system, how to establish the standard of assessment and how to make the model of enterprise credit assessment. It also gives analyses methods of real examples.First, the article analyses the aim and the present state of domestic and foreign credit assessment after defining the conception of credit assessment. It points out the problems in domestic credit assessment and gives the suggestion to present credit assessment. Second, it gives the compositive and systematic analysis about the index system, gives the assessment standard, assessment content and assessment symbol. Third, it points out the limitation if traditional method of assessment. Then it assesses the enterprise credit using level analytic method, mixed expert model method and evolutionary computation etc. It emphasizes how to select main factors and gives the subordination function value.The enterprise credit assessment uses these quantification methods to make the scientific assessment. Thus, it attenuates the infection of human factors and strengthens comparability of the enterprise credit assessment of the same kind.