CN109559206A - A kind of regional enterprises Credit Evaluation System method, apparatus and terminal device - Google Patents
A kind of regional enterprises Credit Evaluation System method, apparatus and terminal device Download PDFInfo
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Abstract
The present invention is suitable for data analysis technique field, provide a kind of regional enterprises Credit Evaluation System method, apparatus and terminal device, the described method includes: classification is extracted and broken one's promise index from the history information data of enterprises all in region to be evaluated, and counts every class and break one's promise index quantity；According to index and the index quantity of breaking one's promise of breaking one's promise, the several sincere model based on record of breaking one's promise is constructed；The Credit Evaluation System record matrix of enterprise is obtained by the several sincere model based on record of breaking one's promise according to index of the breaking one's promise corresponding history information data of enterprise in region to be evaluated；Record matrix is evaluated according to Enterprise Credit, the sincere combined evaluation model of region current period to be evaluated is obtained by CW Operator Method；The Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained by the sincere combined evaluation model according to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated.The present invention realizes regional enterprises sincerity quantitatively evaluating, and evaluation result is reliable.
Description
Technical field
The invention belongs to data analysis technique field more particularly to a kind of regional enterprises Credit Evaluation System method, apparatus and ends
End equipment.
Background technique
It is built by the e-government of many years, there are oneself a set of industry in the government departments of most of management area under one's jurisdiction enterprises
Business system, and have accumulated a large amount of information data.With the maturation of big data analysis technology, how to be done with these information datas
It studies and judges out, and according to studying and judging result targetedly different zones Enterprise Credit state, rational deployment or arranges government regulation power
Amount, becomes the informatization target of next stage, studies and judges including regional enterprises Credit Evaluation System etc., but China's needle at present
It is less to the research of enterprise safety operation Honesty Evaluation System construction aspect, and not formed a set of unified evaluation method system,
Existing government information system is difficult quantization areas valuation of enterprise, is unfavorable for the limited supervision strength of reasonable arrangement.
Summary of the invention
The embodiment of the invention provides a kind of regional enterprises Credit Evaluation System method, apparatus and terminal devices, it is intended to solve existing
There is the not formed a set of unified evaluation method system of technology, existing government information system is difficult quantization areas valuation of enterprise, unfavorable
In the reasonable arrangement limited supervision strength the problem of.
In a first aspect, the embodiment of the invention provides a kind of regional enterprises Credit Evaluation System methods, which comprises
Index of breaking one's promise is extracted in classification from the history information data of enterprises all in region to be evaluated, and is counted every class and broken one's promise
Index quantity；
According to break one's promise index and the index quantity of breaking one's promise, the several sincere model based on record of breaking one's promise is constructed；
According to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, by described several based on mistake
The sincere model for believing record obtains the Credit Evaluation System record matrix of enterprise；
Matrix is recorded according to the Credit Evaluation System of all enterprises in region to be evaluated, region to be evaluated is obtained by CW Operator Method
The sincere combined evaluation model of current period；
According to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, pass through the sincere combination evaluation
Model obtains the Enterprise Credit evaluation of estimate of region current period to be evaluated.
Second aspect, the embodiment of the invention provides a kind of regional enterprises Credit Evaluation System device, described device includes:
Index extraction module extracts finger of breaking one's promise for classifying from the history information data of enterprises all in region to be evaluated
Mark, and count every class and break one's promise index quantity；
Single model building module constructs several based on mistake for index and the index quantity of breaking one's promise of breaking one's promise according to
Believe the sincere model of record；
Matrix obtains module, for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated, leads to
The several sincere model based on record of breaking one's promise is crossed, the Credit Evaluation System record matrix of enterprise is obtained；
Composite module establishes module, for recording matrix according to the Credit Evaluation System of all enterprises in region to be evaluated, passes through
CW Operator Method obtains the sincere combined evaluation model of region current period to be evaluated；
Credit Evaluation System module is led to for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated
The sincere combined evaluation model is crossed, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
The third aspect the embodiment of the invention provides a kind of terminal device, including memory, processor and is stored in
In the memory and the computer program that can run on the processor, which is characterized in that described in the processor executes
It realizes when computer program such as the step of above-mentioned regional enterprises Credit Evaluation System method.
Fourth aspect is stored with computer on the storage medium the embodiment of the invention provides a kind of storage medium
The step of program, the computer program realizes above-mentioned regional enterprises Credit Evaluation System method when being executed by processor.
The embodiment of the present invention is combined with objectively evaluating by subjective assessment, and then obtains combined evaluation model, is realized
Regional enterprises sincerity quantitatively evaluating, and evaluation result is reliable, includes that evaluation model is accurate by verifying and verifying afterwards in advance
Property, it carries out ensure that the more accurate property of final Credit Evaluation System value, government information system are evaluated according to the regional enterprises of quantization, can be closed
Reason arranges limited supervision strength.
Detailed description of the invention
Fig. 1 is the implementation flow chart for the regional enterprises Credit Evaluation System method that the embodiment of the present invention one provides；
Fig. 2 is the implementation flow chart of regional enterprises Credit Evaluation System method provided by Embodiment 2 of the present invention；
Fig. 3 is the structural block diagram for the regional enterprises Credit Evaluation System device that the embodiment of the present invention three provides；
Fig. 4 is the structural block diagram for the regional enterprises Credit Evaluation System device that the embodiment of the present invention four provides；
Fig. 5 is the structural block diagram for the terminal device that the embodiment of the present invention five provides.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Realization of the invention is described in detail below in conjunction with specific embodiment:
Embodiment one
Fig. 1 shows the implementation process of the regional enterprises Credit Evaluation System method of the offer of the embodiment of the present invention one, and details are as follows:
In step s101, index of breaking one's promise is extracted in classification from the history information data of enterprises all in region to be evaluated,
And it counts every class and breaks one's promise index quantity.
In the present embodiment, the index of breaking one's promise includes that market is broken one's promise, society breaks one's promise, break one's promise between enterprise and enterprises are lost
Letter.System analysis method, DDD analysis method, Experts consultation method or any method of smart principle can be used in extraction index of breaking one's promise, from
Classification is extracted and is broken one's promise index in the history information data of all enterprises in region to be evaluated, and is counted every class and broken one's promise index quantity,
The index of breaking one's promise is to extract enterprise from enterprise's history information data to break one's promise the index of performance comprising market breaks one's promise, society
It breaks one's promise, break one's promise between enterprise and enterprises are broken one's promise four kinds.Region to be evaluated can correspond to the area, city, county of Administration partition, or be
The self defined area of system supervision.
In step s 102, it according to break one's promise index and the index quantity of breaking one's promise, constructs several based on record of breaking one's promise
Sincere model.
In the present embodiment, according to break one's promise index and the index quantity of breaking one's promise, pass through subjective weighting method or/and objective tax
Power method constructs the several negative performance indicators evaluation model of enterprise, and subjective weighting method includes AHP analytic hierarchy process (AHP), expert investigation
Than point system and binomial coefficient method, objective weighted model includes Principal Component Analysis, entropy assessment, VC Method and statistics for method, ring
The method of average, such as eight enterprises are established by above-mentioned eight kinds of methods and negatively show evaluation model.Since Enterprise Credit evaluation of estimate is
Enterprise Credit peak and enterprise break one's promise the difference of evaluation of estimate, and Enterprise Credit peak value is 1 under normal circumstances, and then obtains eight
Sincere model of the kind based on record of breaking one's promise.Certainly building enterprise negatively shows evaluation model and necessarily selects above-mentioned all subjectivities
Enabling legislation and objective weighted model, but one kind should be at least selected from subjective weighting method and objective weighted model, following embodiment is only
Only it is illustrated the case where each four kinds in subjective weighting method and objective weighted model with selecting.
In step s 103, according to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, pass through institute
The several sincere model based on record of breaking one's promise is stated, the Credit Evaluation System record matrix of enterprise is obtained.
In the present embodiment, by the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, by above-mentioned
Eight kinds of sincere models based on record of breaking one's promise obtain the Credit Evaluation System value of enterprise eight, to above-mentioned eight Enterprise Credit evaluations of estimate
It is ranked up the Credit Evaluation System record matrix to form each enterprise.The Enterprise Credit evaluation record matrix is to pass through above-mentioned eight kinds
The record that the corresponding ranking value of Credit Evaluation System value and each Credit Evaluation System value that sincere model based on record of breaking one's promise obtains is formed
It puts to the proof.
Preferably, after step s 103, the method also includes:
By described in described in KENDALL related-coefficient test every kind based on the sincere model for record of breaking one's promise, if cannot lead to
Verifying is crossed, then executes step S103 again, if thening follow the steps S104 by verifying.
In the present embodiment, KENDALL (Ken Daer) related coefficient is the single sincerity based on record of breaking one's promise of measurement
The index of the degree of consistency of the ranking results of model, and be for ranking value.In order to meet sincere combination in step S104
The necessary condition of evaluation model, the Credit Evaluation System result that above-mentioned eight kinds of evaluation models treat evaluation region enterprise must have centainly
Compatibility, ante test, the significance of the inspection are carried out by this index of KENDALL (Ken Daer) related coefficient
As long as reaching the first preset value passes through inspection, it is preferred that the first preset value is 95%.Pass through KENDALL related-coefficient test
It, cannot if the significance examined is lower than the first preset value based on the sincere model for record of breaking one's promise described in every kind described
By verifying, step S103 is executed again, if the significance examined is optionally greater than the first preset value, passes through verifying,
Execute step S104.
In step S104, matrix is recorded according to the Credit Evaluation System of all enterprises in region to be evaluated, passes through CW Operator Method
Obtain the sincere combined evaluation model of region current period to be evaluated.
In the present embodiment, the Enterprise Credit evaluation record matrix in region to be evaluated is substituted into using CW Operator Method to carry out
Weighting processing, obtains the sincere combined evaluation model of region current period to be evaluated, this sincere combined evaluation model considers subjective
Model is evaluated and objectively evaluates, so that evaluation model is more comprehensive.
Preferably, after step s 104, the method also includes:
The sincere combined evaluation model of the current period is examined by SPEARMAN coefficient of rank correlation, if cannot lead to
Verifying is crossed, then executes step S104 again, if thening follow the steps S105 by verifying.
In the present embodiment, SPEARMAN coefficient of rank correlation is an inspection combined method ranking results and single method
The index of the identical property degree of ranking results, again for ranking value.Thing is carried out by SPEARMAN coefficient of rank correlation
After examine, can be enhanced the reliability that sincere combined evaluation model obtains evaluation result, the significance of the inspection is lower than the
Two preset values pass through inspection, it is preferred that the second preset value is 5%, by working as described in the inspection of SPEARMAN coefficient of rank correlation
The sincere combined evaluation model in preceding period cannot be by testing if the significance examined is optionally greater than the second preset value
Card executes step S104 again, if the significance examined is lower than the second preset value, by verifying, executes step
S105。
In step s105, according to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, pass through institute
Sincere combined evaluation model is stated, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
In the present embodiment, region current period to be evaluated is obtained by combined evaluation model sincere after multiple authentication
Enterprise Credit evaluation of estimate, the Credit Evaluation System value is more accurate, and Enterprise Credit evaluation of estimate can be divided into five grades: good (0.8-
1), preferably (0.6-0.8), general (0.4-0.6), poor (0.2-0.4) and poor (0-0.2).Next period generates new history
After information data, it can be re-execute the steps S101-S105, reacquire the Enterprise Credit evaluation in the region period to be evaluated
Value.
The present embodiment is combined with objectively evaluating by subjective assessment, and then obtains combined evaluation model, and region is realized
Enterprise Credit quantitatively evaluating, and evaluation result is reliable, includes evaluation model accuracy by verifying and verifying afterwards in advance,
It carries out ensure that the more accurate property of final Credit Evaluation System value, government information system are evaluated according to the regional enterprises of quantization, it can be reasonable
Arrange limited supervision strength.
Embodiment two
Fig. 2 shows the further explanation that the present embodiment is to the regional enterprises Credit Evaluation System method and step of embodiment one,
In the present embodiment, which comprises
In step s 201, index of breaking one's promise is extracted in classification from the history information data of enterprises all in region to be evaluated,
And it counts every class and breaks one's promise index quantity.
In step S202, according to break one's promise index and the index quantity of breaking one's promise, construct several based on record of breaking one's promise
Sincere model.
In step S203, according to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, pass through institute
The several sincere model based on record of breaking one's promise is stated, the Credit Evaluation System record matrix of enterprise is obtained.
In step S204, matrix is recorded according to the Credit Evaluation System of all enterprises in region to be evaluated, passes through CW Operator Method
Obtain the sincere combined evaluation model of region current period to be evaluated.
In step S205, according to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, pass through institute
Sincere combined evaluation model is stated, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
In the present embodiment, through the above steps according to the historical information of all enterprises in region to be evaluated before from this week
Data obtain several periods acquisition Enterprise Credit evaluation of estimate.
It will include the data set for obtaining Enterprise Credit evaluation of estimate in several preceding periods, according to default ratio in step S206
Example distribution forms training set, inspection set, test set, is learnt by BP neural network, generates BP neural network evaluation model.
In the present embodiment, the general Credit Evaluation System Value Data amount of preset ratio determines, it is preferred that the preset ratio is
80:5:15 will include the data set for obtaining Enterprise Credit evaluation of estimate in several preceding periods, by the data set according to preset ratio
Distribution forms training set, inspection set, test set, is learnt by BP neural network, generates BP neural network evaluation model, next
When period generates data, data set is added in new data, re-execute the steps S106, utilizes the powerful of BP neural network in this way
It adaptively relearns, achievees the effect that dynamic interaction optimizes Enterprise Credit evaluation model, can be closed according to accurately evaluation result
Reason arranges limited supervision strength.Due to using BP neural network input requirements more flexible, if before the period only have it is above-mentioned
The evaluation dimension of four indexs of breaking one's promise, both period BP neural network was all four rule layers before, there is 4 fingers under each rule layer
Layer is marked, and before next period learns again, it can according to need increase rule layer, if increasing a rule layer, often
The case where having 5 indicator layers under a rule layer, being adapted to study index variation in a word.
The present embodiment utilizes the powerful adaptive of BP neural network on the basis of static state quantifies Enterprise Credit evaluation of estimate
It relearns, achievees the effect that dynamic interaction optimizes Enterprise Credit evaluation model, it can be according to accurately evaluation result reasonable arrangement
Limited supervision strength.
Embodiment three
Fig. 3 shows the specific block diagram of the regional enterprises Credit Evaluation System device of the offer of the embodiment of the present invention three, in order to
Convenient for explanation, only parts related to embodiments of the present invention are shown.In the present embodiment, the regional enterprises Credit Evaluation System device
It include: index extraction module 31, single model building module 32, matrix obtains module 33, composite module establishes module 34 and sincere
Believe evaluation module 35.
Wherein, index extraction module 31 is mentioned for classifying from the history information data of enterprises all in region to be evaluated
Index of breaking one's promise is taken, and counts every class and breaks one's promise index quantity；
Single model building module 32 constructs several be based on for index and the index quantity of breaking one's promise of breaking one's promise according to
It breaks one's promise the sincere model of record；
Matrix obtains module 33, for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated,
By the several sincere model based on record of breaking one's promise, the Credit Evaluation System record matrix of enterprise is obtained；
Composite module establishes module 34, for recording matrix according to the Credit Evaluation System of all enterprises in region to be evaluated, leads to
Cross the sincere combined evaluation model that CW Operator Method obtains region current period to be evaluated；
Credit Evaluation System module 35, for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated,
By the sincere combined evaluation model, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
Further, described device further include:
First inspection module, for by described in every kind described in KENDALL related-coefficient test based on the sincere of record of breaking one's promise
Model is believed, if the Credit Evaluation System record matrix of enterprise by verifying, cannot be reacquired, if passed through by verifying
CW Operator Method obtains the sincere combined evaluation model of region current period to be evaluated.
Further, described device further include:
Second inspection module, for examining the sincere combination of the current period to comment by SPEARMAN coefficient of rank correlation
Valence model, if cannot be by verifying, execution obtains sincere group of region current period to be evaluated by CW Operator Method again
Evaluation model is closed, if, by the sincere combined evaluation model, obtaining the enterprise of region current period to be evaluated by verifying
Industry Credit Evaluation System value.
Regional enterprises Credit Evaluation System device provided in an embodiment of the present invention can be applied in aforementioned corresponding method embodiment one
In, details are referring to the description of above-described embodiment one, and details are not described herein.
Example IV
Fig. 4 shows the specific block diagram of the regional enterprises Credit Evaluation System device of the offer of the embodiment of the present invention four, in order to
Convenient for explanation, only parts related to embodiments of the present invention are shown.In the present embodiment, the regional enterprises Credit Evaluation System device
It include: index extraction module 41, single model building module 42, matrix obtains module 43, composite module establishes module 44, sincere
Evaluation module 45 and model learning module 46.
Wherein, index extraction module 41 is mentioned for classifying from the history information data of enterprises all in region to be evaluated
Index of breaking one's promise is taken, and counts every class and breaks one's promise index quantity；
Single model building module 42 constructs several be based on for index and the index quantity of breaking one's promise of breaking one's promise according to
It breaks one's promise the sincere model of record；
Matrix obtains module 43, for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated,
By the several sincere model based on record of breaking one's promise, the Credit Evaluation System record matrix of enterprise is obtained；
Composite module establishes module 44, for recording matrix according to the Credit Evaluation System of all enterprises in region to be evaluated, leads to
Cross the sincere combined evaluation model that CW Operator Method obtains region current period to be evaluated；
Credit Evaluation System module 45, for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated,
By the sincere combined evaluation model, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
Further, described device further include:
First inspection module, for by described in every kind described in KENDALL related-coefficient test based on the sincere of record of breaking one's promise
Model is believed, if the Credit Evaluation System record matrix of enterprise by verifying, cannot be reacquired, if passed through by verifying
CW Operator Method obtains the sincere combined evaluation model of region current period to be evaluated.
Further, described device further include:
Second inspection module, for examining the sincere combination of the current period to comment by SPEARMAN coefficient of rank correlation
Valence model, if cannot be by verifying, execution obtains sincere group of region current period to be evaluated by CW Operator Method again
Evaluation model is closed, if, by the sincere combined evaluation model, obtaining the enterprise of region current period to be evaluated by verifying
Industry Credit Evaluation System value.
Further, described device further include:
Model learning module 46 obtains the data set of Enterprise Credit evaluation of estimate for several periods before will including, according to
Preset ratio distributes to form training set, inspection set, test set, is learnt by BP neural network, generates BP neural network and evaluates mould
Type.
Regional enterprises Credit Evaluation System device provided in an embodiment of the present invention can be applied in aforementioned corresponding method embodiment two
In, details are referring to the description of above-described embodiment two, and details are not described herein.
Embodiment five
Fig. 5 is the schematic diagram for the terminal device that five embodiments of the invention provide, as shown in figure 5, the terminal of the embodiment is set
It is standby to include: processor 50, memory 51 and be stored in the meter that run in the memory 51 and on the processor 50
Calculation machine program 52, such as regional enterprises Credit Evaluation System method program.The processor 50 executes real when the computer program 52
Step in existing above-mentioned each region Enterprise Credit evaluation method embodiment, such as step S101 to S105 shown in FIG. 1.Or
Person, the processor 50 realize the function of each unit in above-mentioned each Installation practice when executing the computer program 52, such as
The function of module 31 to 35 shown in Fig. 3.
Illustratively, the computer program 52 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 51, and are executed by the processor 50, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 52 in the terminal device is described.For example, the computer program 52 can be divided
It is cut into acquisition module and control module, the concrete function of each module is as follows:
Index extraction module extracts finger of breaking one's promise for classifying from the history information data of enterprises all in region to be evaluated
Mark, and count every class and break one's promise index quantity；
Single model building module constructs several based on mistake for index and the index quantity of breaking one's promise of breaking one's promise according to
Believe the sincere model of record；
Matrix obtains module, for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated, leads to
The several sincere model based on record of breaking one's promise is crossed, the Credit Evaluation System record matrix of enterprise is obtained；
Composite module establishes module, for recording matrix according to the Credit Evaluation System of all enterprises in region to be evaluated, passes through
CW Operator Method obtains the sincere combined evaluation model of region current period to be evaluated；
Credit Evaluation System module is led to for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated
The sincere combined evaluation model is crossed, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
The terminal device can be desktop PC, notebook, palm PC and cloud server etc. and calculate equipment.
The terminal device may include, but be not limited only to, processor 50, memory 51.It will be understood by those skilled in the art that Fig. 5 is only
It is only the example of terminal device, does not constitute the restriction to terminal device, may include components more more or fewer than diagram, or
Person combines certain components or different components, such as the terminal device can also include input-output equipment, network insertion
Equipment, bus etc..
Alleged processor 50 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 51 can be the internal storage unit of the terminal device, such as the hard disk or interior of terminal device
It deposits.What the memory 51 was also possible to be equipped on the External memory equipment of the terminal device, such as the terminal device inserts
Connect formula hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash memory
Block (Flash Card) etc..Further, the memory 51 can also both include the internal storage unit of the terminal device
It also include External memory equipment.The memory 51 is for storing needed for the computer program and the terminal device it
His program and data.The memory 51 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, it can be with
It realizes by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as
Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device
Or the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that described
The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice
Subtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictions
Believe signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of regional enterprises Credit Evaluation System method, which is characterized in that the described method includes:
Classification is extracted and is broken one's promise index from the history information data of enterprises all in region to be evaluated, and is counted every class and broken one's promise index
Quantity；
According to break one's promise index and the index quantity of breaking one's promise, the several sincere model based on record of breaking one's promise is constructed；
According to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, by described several based on note of breaking one's promise
The sincere model of record obtains the Credit Evaluation System record matrix of enterprise；
Matrix is recorded according to the Credit Evaluation System of all enterprises in region to be evaluated, it is current to obtain region to be evaluated by CW Operator Method
The sincere combined evaluation model in period；
According to the corresponding history information data of index of breaking one's promise of enterprise in region to be evaluated, pass through the sincere combination evaluation mould
Type obtains the Enterprise Credit evaluation of estimate of region current period to be evaluated.
2. regional enterprises Credit Evaluation System method according to claim 1, which is characterized in that the sincerity for obtaining enterprise is commented
After valence records matrix, the method also includes:
By described in described in KENDALL related-coefficient test every kind based on the sincere model for record of breaking one's promise, if cannot be by testing
Card, then reacquire the Credit Evaluation System record matrix of enterprise, if obtaining region to be evaluated by CW Operator Method by verifying
The sincere combined evaluation model of current period.
3. regional enterprises Credit Evaluation System method according to claim 1, which is characterized in that described to be obtained by CW Operator Method
After the sincere combined evaluation model of region current period to be evaluated, the method also includes:
The sincere combined evaluation model of the current period is examined by SPEARMAN coefficient of rank correlation, if cannot be by testing
Card then executes the sincere combined evaluation model that region current period to be evaluated is obtained by CW Operator Method again, if by testing
Card obtains the Enterprise Credit evaluation of estimate of region current period to be evaluated then by the sincere combined evaluation model.
4. regional enterprises Credit Evaluation System method according to claim 1-3, which is characterized in that the method is also wrapped
It includes:
To include the data set for obtaining Enterprise Credit evaluation of estimate in several preceding periods, distributed according to preset ratio to be formed training set,
Inspection set, test set, are learnt by BP neural network, generate BP neural network evaluation model.
5. a kind of regional enterprises Credit Evaluation System device, which is characterized in that described device includes:
Index extraction module extracts index of breaking one's promise for classifying from the history information data of enterprises all in region to be evaluated,
And it counts every class and breaks one's promise index quantity；
Single model building module constructs several based on note of breaking one's promise for index and the index quantity of breaking one's promise of breaking one's promise according to
The sincere model of record；
Matrix obtains module and passes through institute for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated
The several sincere model based on record of breaking one's promise is stated, the Credit Evaluation System record matrix of enterprise is obtained；
Composite module establishes module, for recording matrix according to the Credit Evaluation System of all enterprises in region to be evaluated, is calculated by CW
Sub- method obtains the sincere combined evaluation model of region current period to be evaluated；
Credit Evaluation System module passes through institute for the corresponding history information data of index of breaking one's promise according to enterprise in region to be evaluated
Sincere combined evaluation model is stated, the Enterprise Credit evaluation of estimate of region current period to be evaluated is obtained.
6. regional enterprises Credit Evaluation System device according to claim 5, which is characterized in that described device further include:
First inspection module, for passing through the sincere mould based on record of breaking one's promise described in every kind described in KENDALL related-coefficient test
Type, if the Credit Evaluation System record matrix of enterprise by verifying, cannot be reacquired, if calculated by verifying by CW
Sub- method obtains the sincere combined evaluation model of region current period to be evaluated.
7. regional enterprises Credit Evaluation System device according to claim 5, which is characterized in that described device further include:
Second inspection module, for examining the sincere combination evaluation mould of the current period by SPEARMAN coefficient of rank correlation
Type, if cannot execute again and be commented by the sincere combination that CW Operator Method obtains region current period to be evaluated by verifying
Valence model, if, by the sincere combined evaluation model, the enterprise for obtaining region current period to be evaluated is sincere by verifying
Believe evaluation of estimate.
8. according to the described in any item regional enterprises Credit Evaluation System devices of claim 5-7, which is characterized in that described device is also wrapped
It includes:
Model learning module obtains the data set of Enterprise Credit evaluation of estimate for several periods before will including, according to default ratio
Example distribution forms training set, inspection set, test set, is learnt by BP neural network, generates BP neural network evaluation model.
9. a kind of terminal device, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, which is characterized in that the processor realizes such as Claims 1-4 when executing the computer program
The step of any one regional enterprises Credit Evaluation System method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realization regional enterprises Credit Evaluation System side as described in any one of Claims 1-4 when the computer program is executed by processor
The step of method.
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110263791A (en) * | 2019-05-31 | 2019-09-20 | 京东城市(北京)数字科技有限公司 | A kind of method and apparatus in identification function area |
| CN113344322A (en) * | 2021-04-27 | 2021-09-03 | 山东大学 | Big data processing system and method for enterprise integrity monitoring |
| CN117076783A (en) * | 2023-10-16 | 2023-11-17 | 广东省科技基础条件平台中心 | Scientific and technological information recommendation method, device, medium and equipment based on data analysis |
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2018
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110263791A (en) * | 2019-05-31 | 2019-09-20 | 京东城市(北京)数字科技有限公司 | A kind of method and apparatus in identification function area |
| CN113344322A (en) * | 2021-04-27 | 2021-09-03 | 山东大学 | Big data processing system and method for enterprise integrity monitoring |
| CN117076783A (en) * | 2023-10-16 | 2023-11-17 | 广东省科技基础条件平台中心 | Scientific and technological information recommendation method, device, medium and equipment based on data analysis |
| CN117076783B (en) * | 2023-10-16 | 2023-12-26 | 广东省科技基础条件平台中心 | Scientific and technological information recommendation method, device, medium and equipment based on data analysis |
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