Credit assessment method and system development for small-businesses' based on daily transaction data
基于日常交易数据的小企业信用评估方法及系统开发
基本信息
- 批准号:19530324
- 负责人:
- 金额:$ 2.33万
- 依托单位:
- 依托单位国家:日本
- 项目类别:Grant-in-Aid for Scientific Research (C)
- 财政年份:2007
- 资助国家:日本
- 起止时间:2007 至 2009
- 项目状态:已结题
- 来源:
- 关键词:
项目摘要
As almost all of models and methods for credit assessment published so far are based on financial data or stock price and investigation data, It is difficult to apply them to assess credit of minor and small businesses that do not disclose financial information. This study proposed some new approaches and systems to assess the customers' credit only based on daily transaction data such as sales, payments by customers, amount of overdue payment, etc. The performance and usefulness of the proposed approaches and systems has been confirmed by applying them to practical credit assessment problems. The proposed approaches and systems can indentify unsound customers very effectively and has also high ability to indentify healthy customers.
由于目前已公布的信用评估模型和方法几乎都是基于财务数据或股价和调查数据,因此很难将其应用于不披露财务信息的中小企业的信用评估。本研究提出了一些新的方法和系统,只根据日常交易数据,如销售、客户付款、逾期付款金额等来评估客户的信用,并将所提出的方法和系统应用于实际的信用评估问题,验证了所提出的方法和系统的性能和有效性。所提出的方法和系统可以非常有效地识别不健康的客户,并且具有很高的识别健康客户的能力。
项目成果
期刊论文数量(0)
专著数量(0)
科研奖励数量(0)
会议论文数量(0)
专利数量(0)
System Design and Operation of Real-Time Cost Management in Small and Medium Size Enterprise
中小企业实时成本管理系统设计与运行
- DOI:
- 发表时间:2009
- 期刊:
- 影响因子:0
- 作者:Yoshiyuki HIGUCHI;Yosinobu SATO;Yanwen DONG;Chun JIN
- 通讯作者:Chun JIN
Application of Hybrid Method of Bagging and Case-Based Reasoning to Solve Small-Businesses' Credit Assessment Problems
应用Bagging和基于案例推理的混合方法解决小企业信用评估问题
- DOI:
- 发表时间:2009
- 期刊:
- 影响因子:0
- 作者:兪春姫;董彦文;Yanwen Dong
- 通讯作者:Yanwen Dong
Application of Ant Colony System to Fuzzy Vehicle Routing Problem
蚁群系统在模糊车辆路径问题中的应用
- DOI:
- 发表时间:2009
- 期刊:
- 影响因子:0
- 作者:Yanwen DONG;Yoshiyuki HIGUCHI
- 通讯作者:Yoshiyuki HIGUCHI
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DONG Yanwen其他文献
DONG Yanwen的其他文献
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{{ truncateString('DONG Yanwen', 18)}}的其他基金
Experimental study on measurement of workers aptitude in cell production and its application
细胞生产工人资质测定实验研究及其应用
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16K03848 - 财政年份:2016
- 资助金额:
$ 2.33万 - 项目类别:
Grant-in-Aid for Scientific Research (C)
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