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

PAGE\*MERGEFORMATIV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AbstractInrecentyears,withtherapiddevelopmentofInternettechnology,supportthedevelopmentoftheprivateeconomyinthecountry,underthebackgroundofeconomyentersanewnormal,smallandmedium-sizedenterprisecredittransactionsbetweeneconomicagents,butduetothesmallandmedium-sizedenterprisecreditratingsystemisnotsound,lackoftechnicalmeans,andmanyotherfactors,thesmallandmedium-sizedenterprisecreditproblemsincreasinglyexposed,smallandmedium-sizedenterprisefinancingdifficulties,difficulties,seriouslyhinderedthesmallandmedium-sizedenterprise'sowndevelopment,needstoestablishagoodcreditratingsystemasaguarantee.Theestablishmentofcreditratingsystemisthekeyenvironmenttopromotethedevelopmentofsmallandmedium-sizedenterprises.Riskratingcangeneratealargeamountofvaluableandavailablebusinessinformation,whichwillbecomethebasisofenterprisefinancing,bankcredit,riskdecisionandotherimportantmatters.ThispaperfocusesonthestudyofclassificationofCARTalgorithm,throughtothesmallandmedium-sizedenterprisefinancialdataofdatamining,thetenfinancialcreditevaluationindexisobtained,andthenselectedtheanalytichierarchyprocess(ahp)forcreditassessment,throughanalyzingtheindexweightsafterdatamining,usingthestandard&poor'sindex,somewheretomediumelectricalAenterprisecreditevaluation,andanalyzestheresults.Keywords:Smallandmedium-sizedenterprises;Creditassessment;TheCART;Analytichie