基于数据挖掘的中小企业信用评估研究.pdfVIP

摘 要 新世纪初以来，在国家支持民间经济发展，经济进入新的常态的情况下，中小企业的 经济主旋律之间的信贷业务越来越频繁。开发受到限制，因此必须建立良好的评级体系作 为保证。另外信用评估也可以为中小企业的风险评估，银行信贷提供有价值的参考。 本文重点是对 CART 分类算法的研究，通过对中小板企业财务数据的数据挖掘，得出 了 10 个信用评估的财务指标，然后选取了层次分析法进行信用评估，通过对数据挖掘后 指标的权重分析，利用标准普尔公司指数，对某地中型电气 A 企业进行了信用评估，并分 析了结果。 关键词：中小企业；信用评估；CART ；层次分析法 I Abstract Since the beginning of the new century, as the state has supported the development of the private economy and the economy has entered a new normal, the credit business between the economic main theme of SMEs has become more frequent. Development is restricted, so a good rating system must be established as a guarantee. In addition, credit evaluation can also provide a valuable reference for the risk assessment of SMEs and bank credit. This article focuses on the study of the CART classification algorithm. Through data mining on the financial data of small and medium-sized board companies, 10 financial indicators for credit evaluation are obtained, and then the analytic hierarchy process is selected for credit evaluation. The weight of the indicators after data mining is selected. Analysis, using the Standard Poors index, conducted a credit evaluation of a medium-sized electric company A in a certain place, and analyzed the results. Keywords: Small and medium-sized enterprises;Credit assessment;The CART;Analytic hierarchy process II 目 录 摘 要I Abstract II 第 1 章 绪论1 1.1 课题研究的背景和意义 1 1.1.1 研究背景 1 1.1.2 研究意义 2 1.2 信用评级国内外研究现状 2 1.2.1 国内研究现状2 1.2.2 国外研究现状3