8723432_强巴热杰_基于数据挖掘的中小企业信用评估研究_基于数据挖掘的中小企业信用评估研究.docx

IV基于数据挖掘的中小企业信用评估研究摘要近年来随着互联网技术的飞速发展在国家支持民营经济发展、经济进入新常态的背景下中小企业经济主体之间的信用往来日趋频繁但由于中小企业信用评级体系不健全、技术手段不足等诸多因素中小企业诚信问题日渐显露中小企业融资困难、经营困难严重阻碍了中小企业的自身发展亟需建立良好的信用评级体系作为保障。信用评级体系的建立是促进中小企业发展的关键环境风险评级可生成大量有价值、可利用的商业信息这些信息将成为企业融资、银行授信、风险决策等重大事项的依据。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AbstractInrecentyearswiththerapiddevelopmentofInternettechnologysupportthedevelopmentoftheprivateeconomyinthecountryunderthebackgroundofeconomyentersanewnormalsmallandmedium-sizedenterprisecredittransactionsbetweeneconomicagentsbutduetothesmallandmedium-sizedenterprisecreditratingsystemisnotsoundlackoftechnicalmeansandmanyotherfactorsthesmallandmedium-sizedenterprisecreditproblemsincreasinglyexposedsmallandmedium-sizedenterprisefinancingdifficultiesdifficultiesseriouslyhinderedthesmallandmedium-sizedenterprise'sowndevelopmentneedstoestablishagoodcreditratingsystemasaguarantee.Theestablishmentofcreditratingsystemisthekeyenvironmenttopromotethedevelopmentofsmallandmedium-sizedenterprises.Riskratingcangeneratealargeamountofvaluableandavailablebusinessinformationwhichwillbecomethebasisofenterprisefinancingbankcreditriskdecisionandotherimportantmatters.ThispaperfocusesonthestudyofclassificationofCARTalgorithmthroughtothesmallandmedium-sizedenterprisefinancialdataofdataminingthetenfinancialcreditevaluationindexisobtainedandthenselectedtheanalytichierarchyprocess(ahp)forcreditassessmentthroughanalyzingtheindexweightsafterdataminingusingthestandard&poor'sindexsomewheretomediumelectricalAenterprisecreditevaluationandanalyzestheresults.Keywords:Smallandmedium-sizedenterprises;Creditassessment;TheCART;Analytichierarchyprocess目录摘要IAbstractII第1章绪论11.1课题研究的背景和意义11.1.1研究背景11.1.2研究意义21.2信用评级国内