H Company Agent Credit Risk Assessment Based On Decision Tree Method

With the recent "new normal" become a popular word, new business models, big data, artificial intelligence has become one of the hot issues of business research, to explore. Big data is based on the two pieces of data and data mining technology necessary foundation to expand the field, a new business model is the existing business model, based on a new evolution to a new mode of thinking. H company based on this background, this paper puts forward the slogan of sales.to service transformation, the pilot of the new supply chain finance business, so the research on the agent credit risk for the company, more important than ever before. Agent to strengthen credit risk management is not only the objective requirement of the H company strategic transformation, and H company represented by the industry field, the requirements for social industry transformation and upgrade. Two big change appears in recent years, the social economy, represented by the financial industry rise, the continuous expansion of credit economy, represented by information digital Internet industry rise, credit scale constantly enlarge the use of derivatives, especially in the big under the background of global market environment continues to decline, credit risk once again become the focus of the international academic circles.This article adopts the method of standard combined with empirical study, emphatically from the agent credit risk management in the point of credit risk assessment based on decision tree model, based on the H company actual business data are discussed in depth research. First in this paper through the analysis and comparison of the characteristics of several kinds of credit risk assessment method, summarizes several kinds of defects of evaluation model, combined with the H company actual business data in the data mining technology application on the performance of decision tree analysis, the basic method of credit risk assessment model is established. On this basis, calculated and analyzed the credit risk of H company agents, and according to the analysis of calculation results, agent business of credit risk management of H company actual improvement suggestion. The research achievements of this paper mainly summarized as the following three points:First of all, the past research in the related agents credit risk financial data is missing or does not reflect the agent of the company’s actual business problems, first of all, through the establishment of alternate index selection principle, alternative agent credit risk assessment indexes set, and then according to these measures and relevant industry research results transform these indicators into quantifiable, have the characteristics of the properties, the guarantee business on the basis of the factual and objective reality significant to solve the failure problems of previous assessment model for small and medium-sized companies.Second, the paper analyzes the traditional credit risk evaluation method in the agent (that is, the small and medium-sized companies) limitations that exist in the credit risk assessment, using the decision tree analysis technology, starting from transactional transaction data, effectively solve the credit risk assessment was not trading process in a timely manner, the agent credit risk assessment efficiency and precision are greatly improved.Third, based on the above research results, the agent of H company credit evaluation system for the process design, the business process of the reconstruction Suggestions to consummate the opinion, agent in credit risk management of the entire industry laid a solid foundation for further studies.