Credit risk identification method and device for small and micro enterprises

• Main Author: QIAN HANG
• Format: Patent
• Language: Chinese; English
• Published: 04.12.2020
• 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 discloses a credit risk identification method and device for small and micro enterprises, so as to improve the credit risk identification accuracy of the small and micro enterprises. Themethod comprises the steps of mining sample data in one-to-one correspondence with financial reports based on the financial reports of a plurality of small and micro enterprises; carrying out data correction on the financial index classifications with null values and abnormal values in the sample data, and/or carrying out preliminary screening and filtering on the financial index classificationsaccording to the ratio of the number of null values in the same financial index classification to the total amount of the sample data and the ratio of the number of abnormal values in the same financial index classification to the total amount of the sample data; dividing each financial index category into a plurality of sections according to the size of the corresponding financial index value, and matching the section whe