SBIR Phase I: Assessing Private Company Creditworthiness Using Advanced Information Extraction and Translation Techniques

SBIR 第一阶段：使用先进的信息提取和翻译技术评估私营公司的信誉

• 批准号: 1013402
• 负责人: Anand Sanwal
• 金额: $ 15万
• 依托单位: Corporate Portfolio Management LLC
• 依托单位国家: 美国
• 项目类别: Standard Grant
• 财政年份: 2010
• 资助国家: 美国
• 起止时间: 2010-07-01 至 2010-12-31
• 项目状态: 已结题
• 来源: https://www.nsf.gov/awardsearch/showAward?AWD_ID=1013402&HistoricalAwards=false
• 关键词: SBIR; Phase; Assessing; Private; Company

This Small Business Innovation Research (SBIR) Phase I project addresses the challenge of offering reliable, actionable and real-time intelligence about private companies - a challenge acutely felt by financial institutions, investors, service providers, researchers and entrepreneurs. The company plans to develop a platform that will (1) collect information on private companies from millions of relevant sources; then (2) extract and structure this information and finally (3) algorithmically deliver an ongoing quantitative measure of company creditworthiness and health - thus developing a Private Company Strength & Sentiment Score. The Phase I research is comprised of three stages: (1) Set Up, which includes the identification of Strength and Sentiment Indicators (SSIs) that drive the score as well as identification of relevant data sources; (2) Data & Technology, which includes optimizing existing technology for collection of SSI data as well as collecting real financial and operating private company data for a test sample; and (3) Analysis, which includes preparing the data set, running statistical analyses and creating SSI scores. This final step of Phase I entails examining correlations between outputs and the empirical data collected for private companies so that predictive value can be assessed. The primary commercial benefit of this effort will be the increased availability of competitively priced credit to US small businesses. If successful, the effort will reduce the information asymmetry surrounding private company information and thus allow financial institutions to better estimate the initial and ongoing risk associated with private small businesses who may be seeking credit. Broader societal impacts resulting from increased credit availability to small businesses include increased "economic growth, employment and payrolls at businesses of all sizes" according to the SBA Office of Advocacy. In addition to benefitting institutional lending, the effort has the potential to offer significant upside to those businesses providing trade credit or supplier financing of purchases as well as to the equity investment community, e.g., venture capital, private equity. Longer-term, the data collected to create and track companies' scores represents a rich repository of entrepreneurial & private company data that can be leveraged to create data-driven offerings that assist entrepreneurs, academics, researchers and public policy professionals their attempt to understand and support our nation's entrepreneurial ecosystem.

这个小型企业创新研究(SBIR)第一阶段项目解决了提供有关私营公司的可靠、可操作和实时情报的挑战--这是金融机构、投资者、服务提供商、研究人员和企业家强烈感受到的挑战。该公司计划开发一个平台，该平台将(1)从数百万个相关来源收集私营公司的信息；然后(2)提取这些信息并构建结构，最后(3)通过算法提供对公司信誉和健康状况的持续量化衡量--从而形成私营公司实力和情绪评分。第一阶段的研究包括三个阶段：(1)建立，包括确定推动得分的实力和情绪指标(SSI)以及相关数据源的确定；(2)数据与技术，包括优化现有的SSI数据收集技术，以及为测试样本收集真实的财务和运营私人公司数据；(3)分析，包括准备数据集、运行统计分析和创建SSI得分。第一阶段的最后一步需要检查产出与为私营公司收集的经验数据之间的相关性，以便能够评估预测价值。这一努力的主要商业好处将是向美国小企业提供更多具有竞争力的价格信贷。如果成功，这一努力将减少围绕私营公司信息的信息不对称，从而使金融机构能够更好地估计与可能寻求信贷的私营小企业相关的初始和持续风险。根据SBA倡导办公室的说法，增加对小企业的信贷供应所产生的更广泛的社会影响包括增加“各种规模企业的经济增长、就业和工资总额”。除了使机构贷款受益外，这一努力还有可能为那些提供贸易信贷或供应商采购融资的企业以及股权投资界，如风险资本、私募股权提供巨大的好处。从长远来看，为创建和跟踪企业得分而收集的数据代表着一个丰富的创业和私营企业数据储存库，可以利用这些数据创建数据驱动型产品，帮助企业家、学者、研究人员和公共政策专业人士尝试了解和支持我们国家的创业生态系统。