关于企业信用评估方面的研究-计算机软件与理论专业论文.docxVIP

尘!!查堂雯±堂垡堡壅 尘!!查堂雯±堂垡堡壅 鉴!垒些笪型堡竺生些塑竺窒 Researches on Enterprise Credit Evaluation Computer Software and Theory Name：Huang Shoufeng Supervisor：Professor Li Lei Abstract Along with market economy developing，the enterprise credit becomes more and more concerned．How to evaluate the Enterprise Credit more objectively,more accurately and more comprehensively naturally becomes a more and more important question． Generally，most of the predecessors have neglected the contrary behaviors of Enterprises when they studied in Enterprise Credit；in our paper,basing on the studies of the predecessors，considering the contrary behaviors and illegal activities of the enterprises，we proposal a Evaluation System Index that suits the present Chinese enterprises’ situation better．Then basing on this foundation，we successively proposal a enterprise credit evaluation model which bases on the BP Neural network irnproved and the other enterprise credit evaluation model which bases on SVM，and both of them obtain the good effect．In order to forecast future credit of the enterprise，we proposal the credit acceleration， and prove the feasibility and the validity of the credit acceleration in the forecast．Then drawing support from the least squares methods，we infer the general expression of credit acceleration．Thus this work provides a good way for the credit forecast． Key words：Enterprise Credit、Evaluation System Index、BP Neural Network、SVM、Evaluation Model、Forecast Model、Credit Acceleration II 山大学硕十学位硷文 山大学硕十学位硷文 火r企业信Hj评什方血的研究 第1章绪论 信用是市场经济的基础，从某种意义上来【；乇，市场经济实质上就是信用经济． 而市场经济又是一种风险经济，因为它一直伴随着信用风险而存在，而其中作为 经济风险最主要最集中的表现形态的银行风险在我们日常的经济生活中起着举 足轻重的影响。企业信用是衡量金融机构经营的～个重要的指标。因此，对企业 信用作出准确而客观的评价和判断，具有十分重要的实际意义和现实意义。然而 在实际的经济生活中，影响企业信用的因素很多，并且根据哲学原理，世界上任 何事物之间都是相互联系的，因此这些因素之间、各因素和信用之间多存在非线 性的关系，然而传统的信用评估模型，由于对于信用的评估结果人为的因素很多， 科学性和准确性较差。特别是在我们国内，信用的评估的方式多为专家方式，个 人主观性太强，不能很好地反映出企!Ik真正的信用。在本文中，作者先分析了企 业信用评估的现状和一些评估的方法、模型，接着提出了一种基于改进BP算法 的神经网络的企业信用评估和预测模型，然后又提出了一种基于支持向量机的企 业信用评估模型。这两个模型应用于企业信用评估，可以为金融机构提供一定的