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Construction And Application Of Online Credit Risk Assessment Model For Small And Micro Enterprises

Posted on:2019-03-13Degree:MasterType:Thesis
Country:ChinaCandidate:Z M WangFull Text:PDF
GTID:2439330620459194Subject:Business management
Abstract/Summary:PDF Full Text Request
As of the end of 2017,small and medium-sized enterprises(including individual industrial and commercial households)accounted for more than 90% of all market entities and contributed more than 80% of employment opportunities to China,more than 70% of invention patents,more than 60% of GDP and 50%.The above tax revenue Although small and micro enterprises have made great contributions to the development of the national economy,they have been faced with fewer financing channels and higher financing costs due to less operating data,lack of credit data,high credit risk and lack of credit evaluation models.problem.In 2018,the People's Bank of China and a number of ministries and commissions jointly formulated a number of policies to strongly encourage and support China's financial institutions to provide financial services to small and micro enterprises in China and help small and micro enterprises solve the problem of low financing channels and high financing costs.This paper studies how to establish a small-micro enterprise credit evaluation model for small and micro enterprises that is fully online and fully automated,in order to solve the problem of financial institutions evaluating the credit risk of small and micro enterprises.This paper studies how to introduce small and micro-business owner's behavior and asset data to evaluate small and micro enterprise credit risk in the absence of small and micro enterprise sample and performance data;use non-bank credit system loan application and default data to replace PBOC The credit data of the enterprise;use the industrial and commercial and judicial data of the enterprise to judge the integrity of the enterprise;and judge the associated risks of the enterprise through the foreign investment of the enterprise and the executive.The model training algorithm attempts to use a variety of machine learning algorithms and compares them.The training and input data required for the small and micro enterprise credit risk assessment model proposed in this paper are all from the online system.At the same time,the machine learning algorithm is used for automatic evaluation,which improves the accuracy and efficiency of the audit.The whole evaluation process is fully automated and greatly reduced.The cost of the adjustment has effectively solved the problem of marginal efficiency and low profit of credit risk assessment of small and micro enterprises.
Keywords/Search Tags:Small and micro enterprise, inclusive finance, credit risk, evaluation model, credit risk control
PDF Full Text Request
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