摘要
基于三维信用理论框架,构建小微企业信用评价指标体系,建立两种模型,利用小微企业数据,分别对构建的小微企业信用评价指标体系和银行目前采用的指标体系的评估准确率进行计算。研究结果表明,由主成分分析法筛选出反映小微企业信用水平的指标体系的评估准确率更高,可为银行等相关部门对小微企业的信用评价指标体系的选择提供参考。
Based on three-dimensional credit theory framework,the paper constructs a credit evaluation indicator system of small and micro enterprises with the establishment of two models by using the data of small and micro enterprises,and calculates the accuracy of both the credit evaluation indicator system and the credit indicator system currently used in the banks. The results show that the evaluation accuracy of the indicator system selected by the method of principal component analysis is the higher,and that the indicator system reflecting the credit level of small and micro enterprises may provide a reference for the bank and other relevant departments when choosing credit evaluation indicator system of small and micro enterprises.
出处
《征信》
2017年第1期15-21,共7页
Credit Reference
关键词
信用评价
指标体系
三维信用论
小微企业信用
credit evaluation
indicator system
Three Dimensional Credit Theory
small and micro enterprises credit
