Credit evaluation method for market operation subjects in consumption field

• Main Authors: LIU YUAN, XIE ZHENPING, CHEN MEIJIE, ZHAN QIANYI
• Format: Patent
• Language: Chinese; English
• Published: 22.10.2019
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention belongs to the technical field of credit evaluation, and relates to a credit evaluation method for market operation subjects in the consumption field. The method comprises the followingsteps: step 1, obtaining credit data of a market operation subject in the consumption field; step 2, for a single piece of data, obtaining an evaluation factor value, and calculating to obtain a corresponding credit discount base point; step 3, for a single market operation subject, according to one or more credit discount base points corresponding to the market operation subject, calculating to obtain a corresponding composite credit discount base point value; step 4, calculating to obtain a credit score discount coefficient according to the composite credit discount base point value of the market operation subject; and step 5, according to the credit discount coefficient of the market operation subject, calculating to obtain a credit score of the market operation subject. A periodic sliding system is adopted to