CN108205720A - A kind of power consumer credit estimation method and system based on index degree of variation - Google Patents

A kind of power consumer credit estimation method and system based on index degree of variation Download PDF

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CN108205720A
CN108205720A CN201611168777.4A CN201611168777A CN108205720A CN 108205720 A CN108205720 A CN 108205720A CN 201611168777 A CN201611168777 A CN 201611168777A CN 108205720 A CN108205720 A CN 108205720A
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credit
power consumer
index
assessed
evaluation
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王相伟
缪庆庆
张国庆
桂纲
张海静
杨东亮
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State Grid Corp of China SGCC
State Grid Shandong Electric Power Co Ltd
Jining Power Supply Co of State Grid Shandong Electric Power Co Ltd
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State Grid Shandong Electric Power Co Ltd
Jining Power Supply Co of State Grid Shandong Electric Power Co Ltd
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Abstract

The invention discloses a kind of power consumer credit estimation method and system based on index degree of variation, wherein, this method includes:The actual assessment value of each credit evaluation index of power consumer to be assessed is chosen from data storage server, and then constructs the metrics evaluation matrix of power consumer to be assessed;According to metrics evaluation matrix and Boltzmann formula, the degree of variation of each credit evaluation index of power consumer to be assessed is calculated;Using the degree of variation of each credit evaluation index, the weight of each credit evaluation index is calculated;It adds up again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights, obtains the final credit evaluation value of each power consumer to be assessed;Wherein, final credit evaluation value is higher, then the credit rating of power consumer to be assessed is higher.

Description

A kind of power consumer credit estimation method and system based on index degree of variation
Technical field
The invention belongs to power marketing field more particularly to a kind of power consumer credit evaluations based on index degree of variation Method and system.
Background technology
In huge power consumer group, there are quite a few user's ability to ward off risks is weak, fund week is easily generated Turn not smooth, can not pay the fees on time, so that the generation of the similar Credit Deficiency phenomenon such as stealing, arrearage.User credit missing is showed As power supply enterprise has to pay a large amount of manpower and materials and financial resources are solved, this is to power supply enterprise in economy and resource side Face brings serious waste.Therefore, it is whether normal, healthy, good to directly influence a power supply enterprise for the credit of power consumer Good development, it has the normal business activities of power supply enterprise great and direct influence, in order to avoid power consumer credit The loss brought to power supply enterprise is lacked, credit evaluation is carried out to power consumer, is taken measures in time for the user of credit difference, It is that current power supply enterprise effectively avoids risk, improves the urgent problem to be solved that management level is faced.
During actual user's credit evaluation, first, the credit evaluation index of power consumer and corresponding assessment rule are determined On the basis of then, the actual assessment value of each credit evaluation index of power consumer to be assessed is obtained;However based on electricity to be assessed It is most of both at home and abroad at present to comment when the actual assessment value of each credit evaluation index of power user again assesses power consumer Mechanism is estimated often using each credit evaluation of the appraisal procedure of the subjective judgement by appraiser to power consumer to be assessed The actual assessment value of index is handled, such as expert assessment method, analytic hierarchy process (AHP).Such method rely primarily on appraiser with Past experience and experience, evaluation decision also depend on the subjective judgement of evaluator, and this kind of appraisal procedure causes assessment result to have Strong subjectivity and artificial property lack justice, it is difficult to ensure the accuracy of assessment result.
Invention content
In order to solve the disadvantage that the prior art, the first object of the present invention is to provide a kind of electricity based on index degree of variation Power user credit appraisal procedure.
A kind of power consumer credit estimation method based on index degree of variation of the present invention, including:
Step 1:Actually commenting for each credit evaluation index of power consumer to be assessed is chosen from data storage server Valuation, and then construct the metrics evaluation matrix of power consumer to be assessed;Every a line expression one of metrics evaluation matrix is to be evaluated Estimate power consumer, and the actual assessment value for each credit evaluation index that the element per a line is corresponding power consumer to be assessed;
Step 2:According to metrics evaluation matrix and Boltzmann formula, each credit for calculating power consumer to be assessed is commented Estimate the degree of variation of index;
Step 3:It is utilized respectively 1 and makees with the degree of variation of each credit evaluation index poor, obtain each credit evaluation index The value information effectiveness of offer;It is utilized respectively value information effectiveness and all credit evaluations that each credit evaluation index provides again The value information effectiveness that index provides adds up and makees quotient, calculates the weight of each credit evaluation index;
Step 4:It adds up again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights, Obtain the final credit evaluation value of each power consumer to be assessed;Wherein, final credit evaluation value is higher, then electric power to be assessed is used The credit rating at family is higher.
The present invention has abandoned traditional subjectivity assessment mode by the passing experience of appraiser and experience, according to index The degree of variation of data in itself determines index weights, the finger that the power consumer credit estimation method based on index degree of variation calculates Mark weight is consistent with convention, and with objective, fairness, is adapted to power consumer credit evaluation process, finally so that being somebody's turn to do The more previous assessment result of method has more objectivity and fairness, effectively prevents the risk that error evaluation result is brought.
Further, this method before step 1, further includes:
It scores each power consumer, obtains each according to presetting credit evaluation index and its rule should be assessed The actual assessment value of each credit evaluation index of power consumer is simultaneously stored to data storage server.
The present invention will integrate various objective condition, according to power consumer evaluation requirement, formulate power consumer credit evaluation and refer to Mark system sets credit evaluation index and its corresponding assessment rule, the reality of each credit evaluation index of each power consumer Border assessed value;To store in data storage server data basis is provided for the assessment of following needs user credit.
Further, the degree of variation of each credit evaluation index of power consumer to be assessed is calculated in the step 2 Before, it further includes:
Pretreatment is normalized to the element of metrics evaluation matrix.
The data of different dimensions and different number grade are transformed into the number being comparable by the present invention by data prediction According to the data for preventing absolute value big flood the small data of absolute value.
Further, the element of metrics evaluation matrix is normalized using max min preprocess method pre- Processing, detailed process are:
C1:Select the maxima and minima in each column element of metrics evaluation matrix;
C2:Calculate the difference of the maxima and minima in each column element;
C3:The difference of each element and minimum value in each row is calculated respectively;
C4:By the result of step C3 divided by step C2's as a result, obtaining normalizing pretreated metrics evaluation matrix.
Pretreatment is normalized to the element of metrics evaluation matrix, can be used at method for distinguishing such as mean-square value method Reason, but the method that the element of metrics evaluation matrix is normalized in pretreatment using max min preprocess method, Simplicity is calculated, it is efficient.
Further, it after pretreatment is normalized in the element to metrics evaluation matrix, calculates electric power to be assessed and uses Before the degree of variation of each credit evaluation index at family, further include:It is carried out to normalizing pretreated metrics evaluation matrix Matrixing, transformation for mula are:
OrWherein, y (i, j) represents that normalization is pretreated The element value of the i-th row jth row of metrics evaluation matrix;F (i, j) represents the i-th row jth row of the metrics evaluation matrix after transformation Element value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
The present invention carries out matrixing to normalizing pretreated metrics evaluation matrix, can intuitively show the electric power The level that user's index comparison other users are in, the facility calculated using the transformation for back, and calculate easy.
The second object of the present invention is to provide a kind of power consumer credit evaluation system based on index degree of variation.
A kind of power consumer credit evaluation system based on index degree of variation of the present invention, including:
Metrics evaluation matrix construction module is used to choose each of power consumer to be assessed from data storage server The actual assessment value of credit evaluation index, and then construct the metrics evaluation matrix of power consumer to be assessed;Metrics evaluation matrix Every a line represent a power consumer to be assessed, and each credit that the element per a line is corresponding power consumer to be assessed is commented Estimate the actual assessment value of index;
The degree of variation computing module of credit evaluation index is used for according to metrics evaluation matrix and Boltzmann formula, Calculate the degree of variation of each credit evaluation index of power consumer to be assessed;
The weight computation module of credit evaluation index is used to be utilized respectively the 1 change off course with each credit evaluation index It is poor that degree is made, and obtains the value information effectiveness that each credit evaluation index provides;Each credit evaluation index is utilized respectively again to provide The value information effectiveness that provides of value information effectiveness and all credit evaluation indexs add up and make quotient, calculate each credit and comment Estimate the weight of index;
Final credit evaluation value computing module is used for the actual assessment value of each credit evaluation index power corresponding to its It adds up again be multiplied respectively again after, obtains the final credit evaluation value of each power consumer to be assessed;Wherein, final credit is commented Valuation is higher, then the credit rating of power consumer to be assessed is higher.
The present invention has abandoned traditional subjectivity assessment mode by the passing experience of appraiser and experience, according to index The degree of variation of data in itself determines index weights, the finger that the power consumer credit estimation method based on index degree of variation calculates Mark weight is consistent with convention, and with objective, fairness, is adapted to power consumer credit evaluation process, finally so that originally The more previous assessment result of invention has more objectivity and fairness, effectively prevents the risk that error evaluation result is brought.
Further, the system, further includes:
Power consumer grading module is used for basis and presets credit evaluation index and its should assess rule to each electricity Power user scores, and obtains the actual assessment value of each credit evaluation index of each power consumer and store to data to store In server.
The present invention will integrate various objective condition, according to power consumer evaluation requirement, formulate power consumer credit evaluation and refer to Mark system sets credit evaluation index and its corresponding assessment rule, the reality of each credit evaluation index of each power consumer Border assessed value;To store in data storage server data basis is provided for the assessment of following needs user credit.
Further, the system, further includes:
Preprocessing module is used to that pretreatment to be normalized to the element of metrics evaluation matrix.The present invention passes through data The data of different dimensions and different number grade are transformed into the data being comparable by pretreatment, and the data for preventing absolute value big are flooded Do not have the data that absolute value is small.
Further, the preprocessing module includes:
Most it is worth screening module, the maxima and minima being used in each column element for selecting metrics evaluation matrix;
First difference calculating module is used to calculate the difference of the maxima and minima in each column element;
Second difference calculating module is used to calculate the difference of each element and minimum value in each row respectively;
Make quotient module block, be used for it is by the result of the first difference calculating module divided by the second difference calculating module as a result, To the pretreated metrics evaluation matrix of normalization.
Pretreatment is normalized to the element of metrics evaluation matrix, can be used at method for distinguishing such as mean-square value method Reason, but the method that the element of metrics evaluation matrix is normalized in pretreatment using max min preprocess method, Simplicity is calculated, it is efficient.
Further, the system further includes matrixing module, is used for normalizing pretreated metrics evaluation square Battle array carries out matrixing, and transformation for mula is:
OrWherein, y (i, j) represents that normalization is pretreated The element value of the i-th row jth row of metrics evaluation matrix;F (i, j) represents the i-th row jth row of the metrics evaluation matrix after transformation Element value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
The present invention carries out matrixing to normalizing pretreated metrics evaluation matrix, can intuitively show the electric power The level that user's index comparison other users are in, the facility calculated using the transformation for back, and calculate easy.
The present invention also provides power consumer credit evaluation system of the another kind based on index degree of variation, the system packets It includes:
Data acquisition device is configured as choosing each credit of power consumer to be assessed from data storage server The actual assessment value of evaluation index;
Credit evaluating service device, is configured as:
According to the actual assessment value of each credit evaluation index of power consumer to be assessed, power consumer to be assessed is constructed Metrics evaluation matrix;Every a line of metrics evaluation matrix represents a power consumer to be assessed, and the element per a line is phase Answer the actual assessment value of each credit evaluation index of power consumer to be assessed;
According to metrics evaluation matrix and Boltzmann formula, each credit evaluation index of power consumer to be assessed is calculated Degree of variation;
It is utilized respectively 1 and makees with the degree of variation of each credit evaluation index poor, each credit evaluation index offer is provided Value information effectiveness;The value information effectiveness that each credit evaluation index provides is utilized respectively again to carry with all credit evaluation indexs The value information effectiveness of confession adds up and makees quotient, calculates the weight of each credit evaluation index;
It adds up, obtains every again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights The final credit evaluation value of a power consumer to be assessed;Wherein, final credit evaluation value is higher, then the letter of power consumer to be assessed Expenditure is higher.
The present invention has abandoned traditional subjectivity assessment mode by the passing experience of appraiser and experience, according to index The degree of variation of data in itself determines index weights, the finger that the power consumer credit estimation method based on index degree of variation calculates Mark weight is consistent with convention, and with objective, fairness, is adapted to power consumer credit evaluation process, finally so that originally The more previous assessment result of invention has more objectivity and fairness, effectively prevents the risk that error evaluation result is brought.
Further, the credit evaluating service device, is additionally configured to:
Pretreatment is normalized to the element of metrics evaluation matrix.
The data of different dimensions and different number grade are transformed into the number being comparable by the present invention by data prediction According to the data for preventing absolute value big flood the small data of absolute value.
Further, the credit evaluating service device, is configured as:
C1:Select the maxima and minima in each column element of metrics evaluation matrix;
C2:Calculate the difference of the maxima and minima in each column element;
C3:The difference of each element and minimum value in each row is calculated respectively;
C4:By the result of step C3 divided by step C2's as a result, obtaining normalizing pretreated metrics evaluation matrix.
Pretreatment is normalized to the element of metrics evaluation matrix, can be used at method for distinguishing such as mean-square value method Reason, but the method that the element of metrics evaluation matrix is normalized in pretreatment using max min preprocess method, Simplicity is calculated, it is efficient.
Further, the credit evaluating service device, is additionally configured to:
After pretreatment is normalized in the element to metrics evaluation matrix, each letter of power consumer to be assessed is calculated Before the degree of variation of evaluation index, matrixing is carried out to normalizing pretreated metrics evaluation matrix, transformation is public Formula is:
OrWherein, y (i, j) represents that normalization is pretreated The element value of the i-th row jth row of metrics evaluation matrix;F (i, j) represents the i-th row jth row of the metrics evaluation matrix after transformation Element value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
The present invention carries out matrixing to normalizing pretreated metrics evaluation matrix, can intuitively show the electric power The level that user's index comparison other users are in, the facility calculated using the transformation for back, and calculate easy.
Beneficial effects of the present invention are:
The present invention has abandoned traditional subjectivity assessment mode by the passing experience of appraiser and experience, according to index The degree of variation of data in itself determines index weights, the finger that the power consumer credit estimation method based on index degree of variation calculates Mark weight is consistent with convention, and with objective, fairness, is adapted to power consumer credit evaluation process, finally so that originally The more previous assessment result of invention has more objectivity and fairness, effectively prevents the risk that error evaluation result is brought.
Description of the drawings
Fig. 1 is a kind of flow chart of power consumer credit estimation method based on index degree of variation of the present invention.
Fig. 2 is the flow chart of the parameter degree of variation of the present invention.
A kind of one structure of power consumer credit evaluation system embodiment based on index degree of variation that Fig. 3 is the present invention is shown It is intended to.
Fig. 4 is the preprocessing module structure diagram of the present invention.
A kind of two structure of power consumer credit evaluation system embodiment based on index degree of variation that Fig. 5 is the present invention is shown It is intended to.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.
It is as shown in Figure 1 a kind of flow chart of the power consumer credit estimation method based on index degree of variation, this method Realization step it is as follows:
Step 1:Actually commenting for each credit evaluation index of power consumer to be assessed is chosen from data storage server Valuation, and then construct the metrics evaluation matrix of power consumer to be assessed;Every a line expression one of metrics evaluation matrix is to be evaluated Estimate power consumer, and the actual assessment value for each credit evaluation index that the element per a line is corresponding power consumer to be assessed.
Before step 1, it further includes:
It scores each power consumer, obtains each according to presetting credit evaluation index and its rule should be assessed The actual assessment value of each credit evaluation index of power consumer is simultaneously stored to data storage server.
Wherein, preset credit scoring model refers to including commercial credit, safety credit, law credit and cooperative credit Mark, such as:
A:Comprehensive various objective condition, the present embodiment formulate power consumer credit evaluation index system, are set for each index Identical full marks percentage standard is put, and formulates the corresponding assessment rule of each index.
The present embodiment will integrate various objective condition, according to power consumer evaluation requirement, formulate power consumer credit evaluation Index system sets credit evaluation index and its corresponding assessment rule, each credit evaluation index of each power consumer Actual assessment value;To store in data storage server data basis is provided for the assessment of following needs user credit.
Step 2:According to metrics evaluation matrix and Boltzmann formula, each credit for calculating power consumer to be assessed is commented Estimate the degree of variation of index.
The actual assessment value for choosing each credit evaluation index of m power consumer below is sample data, it is carried out Credit evaluation, for easier description evaluation process, by taking m takes 7 as an example:
Illustrate the process by carrying out assessment using the present invention to 7 users.Corresponding to the suitable of assessment level two-level index Sequence, each user use Ti(i=1,2 ..., 7) is represented, 8 indexs of each user use T respectivelyj(j=1,2 ..., 8) is represented.
The single index evaluations matrix S of 7 users is constructed according to physical record7*8
Before the degree of variation of each credit evaluation index for calculating power consumer to be assessed in step 2, further include:
Pretreatment is normalized to the element of metrics evaluation matrix, for not passing through data prediction by different dimensions and not Data with the order of magnitude are transformed into the data that are comparable, and the data for preventing absolute value big flood the small data of absolute value.
Wherein, pretreatment is normalized to the element of metrics evaluation matrix, can be used method for distinguishing such as mean-square value method into Row processing, but the element of metrics evaluation matrix is normalized using max min preprocess method the side of pretreatment Method calculates simplicity, efficient.
It introduces in detail below and normalizing is carried out to the element of metrics evaluation matrix using max min preprocess method Change the method for pretreatment, with to matrix S7*8For pretreatment is normalized using maximin method for pretreating, using such as figure Index matrix data prediction flow shown in 2, step are as follows:
C1:Select the maxima and minima in each column element of metrics evaluation matrix;
C2:Calculate the difference of the maxima and minima in each column element;
C3:The difference of each element and minimum value in each row is calculated respectively;
C4:By the result of step C3 divided by step C2's as a result, obtaining normalizing pretreated metrics evaluation matrix T(7*8)
After pretreatment is normalized in the element to metrics evaluation matrix, each letter of power consumer to be assessed is calculated Before the degree of variation of evaluation index, further include:Matrixing is carried out to normalizing pretreated metrics evaluation matrix, Transformation for mula is:
OrWherein, y (i, j) represents that normalization is pretreated The element value of the i-th row jth row of metrics evaluation matrix;F (i, j) represents the i-th row jth row of the metrics evaluation matrix after transformation Element value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
Matrixing is carried out to normalizing pretreated metrics evaluation matrix, can intuitively show that the power consumer should The level that index comparison other users are in, the facility calculated using the transformation for back, and calculate easy.
Below to be converted to achievement data matrix, using the transformation for mula of following form:
Obtain matrix F(i, j)
Further according to Boltzmann formula, the degree of variation of each credit evaluation index of power consumer to be assessed is calculated:
The degree of variation for calculating each index is:
[H1=0.801 H2=0.607 H3=0.723 H4=0.870H5=0.921 H6=0.684 H7=0.913 H8 =0.976]
Step 3:It is utilized respectively 1 and makees with the degree of variation of each credit evaluation index poor, obtain each credit evaluation index The value information effectiveness of offer;It is utilized respectively value information effectiveness and all credit evaluations that each credit evaluation index provides again The value information effectiveness that index provides adds up and makees quotient, calculates the weight of each credit evaluation index.
Index degree of variation HjMaximum value for 1, represent that the index is capable of providing the effectiveness 0 of value information, then any finger The effectiveness that mark provides value information is 1-Hj
The weight of parameter is:
[W1=0.132 W2=0.261 W3=0.184 W4=0.086 W5=0.052 W6=0.209 W7=0.058 W9=0.016]
Step 4:It adds up again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights, Obtain the final credit evaluation value of each power consumer to be assessed;Wherein, final credit evaluation value is higher, then electric power to be assessed is used The credit rating at family is higher.
The practical index for choosing m power consumer is scored at sample data, carries out credit evaluation to it, is retouched in order to easier Evaluation process is stated, m takes 7, by carrying out credit evaluation respectively to 7 users:
The final credit evaluation value of each power consumer is calculated according to the index weights that acquire, using first power consumer as Example:
T1=90*0.132+70*0.261+80*0.184+100*0.086+100*0.052+70*0.209+ 84*0.058+ 85*0.016=70.532.
This method of the present embodiment has abandoned traditional subjectivity assessment side by the passing experience of appraiser and experience Formula determines index weights, the power consumer credit evaluation based on index degree of variation according to the degree of variation of achievement data in itself The index weights that method calculates are consistent with convention, and with objective, fairness, are adapted to power consumer credit evaluation Journey, the final assessment result for so that this method is more previous effectively prevent error evaluation result with more objectivity and fairness The risk brought.
Fig. 3 is a kind of structure of power consumer credit evaluation system embodiment one based on index degree of variation of the present invention Schematic diagram.Power consumer credit evaluation system based on index degree of variation as shown in Figure 3, including:Metrics evaluation matrix structure Modeling block, the degree of variation computing module of credit evaluation index, the weight computation module of credit evaluation index and final credit are commented Valuation computing module.
(1) metrics evaluation matrix construction module
Metrics evaluation matrix construction module is used to choose each of power consumer to be assessed from data storage server The actual assessment value of credit evaluation index, and then construct the metrics evaluation matrix of power consumer to be assessed;Metrics evaluation matrix Every a line represent a power consumer to be assessed, and each credit that the element per a line is corresponding power consumer to be assessed is commented Estimate the actual assessment value of index.
(2) the degree of variation computing module of credit evaluation index
The degree of variation computing module of credit evaluation index is used for according to metrics evaluation matrix and Boltzmann formula, Calculate the degree of variation of each credit evaluation index of power consumer to be assessed.
Further, the system, further includes:
Preprocessing module is used to that pretreatment to be normalized to the element of metrics evaluation matrix.The present invention passes through data The data of different dimensions and different number grade are transformed into the data being comparable by pretreatment, and the data for preventing absolute value big are flooded Do not have the data that absolute value is small.
Fig. 4 is the preprocessing module structure diagram of the present invention.Preprocessing module as shown in Figure 4 includes:
Most it is worth screening module, the maxima and minima being used in each column element for selecting metrics evaluation matrix;
First difference calculating module is used to calculate the difference of the maxima and minima in each column element;
Second difference calculating module is used to calculate the difference of each element and minimum value in each row respectively;
Make quotient module block, be used for it is by the result of the first difference calculating module divided by the second difference calculating module as a result, To the pretreated metrics evaluation matrix of normalization.
Pretreatment is normalized to the element of metrics evaluation matrix, can be used at method for distinguishing such as mean-square value method Reason, but the method that the element of metrics evaluation matrix is normalized in pretreatment using max min preprocess method, Simplicity is calculated, it is efficient.
Further, the system further includes matrixing module, is used for normalizing pretreated metrics evaluation square Battle array carries out matrixing, and transformation for mula is:
OrWherein, y (i, j) represents that normalization is pretreated The element value of the i-th row jth row of metrics evaluation matrix;F (i, j) represents the i-th row jth row of the metrics evaluation matrix after transformation Element value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
The present embodiment carries out matrixing to normalizing pretreated metrics evaluation matrix, can intuitively show the electricity The level that power user index comparison other users are in, the facility calculated using the transformation for back, and calculate easy.
(3) weight computation module of credit evaluation index
The weight computation module of credit evaluation index is used to be utilized respectively the 1 change off course with each credit evaluation index It is poor that degree is made, and obtains the value information effectiveness that each credit evaluation index provides;Each credit evaluation index is utilized respectively again to provide The value information effectiveness that provides of value information effectiveness and all credit evaluation indexs add up and make quotient, calculate each credit and comment Estimate the weight of index.
(4) final credit evaluation value computing module
Final credit evaluation value computing module is used for the actual assessment value of each credit evaluation index power corresponding to its It adds up again be multiplied respectively again after, obtains the final credit evaluation value of each power consumer to be assessed;Wherein, final credit is commented Valuation is higher, then the credit rating of power consumer to be assessed is higher.
The system of the present embodiment has abandoned traditional subjectivity assessment side by the passing experience of appraiser and experience Formula determines index weights, the power consumer credit evaluation based on index degree of variation according to the degree of variation of achievement data in itself The index weights that method calculates are consistent with convention, and with objective, fairness, are adapted to power consumer credit evaluation Journey, it is final so that more previous assessment result of the invention effectively prevents error evaluation result with more objectivity and fairness The risk brought.
Further, the system, further includes:
Power consumer grading module is used for basis and presets credit evaluation index and its should assess rule to each electricity Power user scores, and obtains the actual assessment value of each credit evaluation index of each power consumer and store to data to store In server.
The present embodiment will integrate various objective condition, according to power consumer evaluation requirement, formulate power consumer credit evaluation Index system sets credit evaluation index and its corresponding assessment rule, each credit evaluation index of each power consumer Actual assessment value;To store in data storage server data basis is provided for the assessment of following needs user credit.
A kind of two structure of power consumer credit evaluation system embodiment based on index degree of variation that Fig. 5 is the present invention is shown It is intended to.A kind of power consumer credit evaluation system based on index degree of variation of the present invention shown in fig. 5, the system include:Number According to harvester and credit evaluating service device.
(1) data acquisition device
Data acquisition device is configured as choosing each credit of power consumer to be assessed from data storage server The actual assessment value of evaluation index.
Wherein, data acquisition device is existing structure, be can be realized as by the prior art.And the data in the present invention Storage server, for storing the actual assessment value of each credit evaluation index of power consumer.
The source of the actual assessment value of each credit evaluation index of power consumer is:
First, it presets credit evaluation index and its rule should be assessed;Then, referred to according to preset credit evaluation It marks and its rule should be assessed and score each power consumer;Finally, each credit evaluation for obtaining each power consumer refers to Target actual assessment value.
(2) credit evaluating service device
Credit evaluating service device, is configured as:
According to the actual assessment value of each credit evaluation index of power consumer to be assessed, power consumer to be assessed is constructed Metrics evaluation matrix;Every a line of metrics evaluation matrix represents a power consumer to be assessed, and the element per a line is phase Answer the actual assessment value of each credit evaluation index of power consumer to be assessed;
According to metrics evaluation matrix and Boltzmann formula, each credit evaluation index of power consumer to be assessed is calculated Degree of variation;
It is utilized respectively 1 and makees with the degree of variation of each credit evaluation index poor, each credit evaluation index offer is provided Value information effectiveness;The value information effectiveness that each credit evaluation index provides is utilized respectively again to carry with all credit evaluation indexs The value information effectiveness of confession adds up and makees quotient, calculates the weight of each credit evaluation index;
It adds up, obtains every again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights The final credit evaluation value of a power consumer to be assessed;Wherein, final credit evaluation value is higher, then the letter of power consumer to be assessed Expenditure is higher.
Further, the credit evaluating service device, is additionally configured to:
Pretreatment is normalized to the element of metrics evaluation matrix.
The data of different dimensions and different number grade are transformed into the number being comparable by the present invention by data prediction According to the data for preventing absolute value big flood the small data of absolute value.
Further, the credit evaluating service device, is configured as:
C1:Select the maxima and minima in each column element of metrics evaluation matrix;
C2:Calculate the difference of the maxima and minima in each column element;
C3:The difference of each element and minimum value in each row is calculated respectively;
C4:By the result of step C3 divided by step C2's as a result, obtaining normalizing pretreated metrics evaluation matrix.
Pretreatment is normalized to the element of metrics evaluation matrix, can be used at method for distinguishing such as mean-square value method Reason, but the method that the element of metrics evaluation matrix is normalized in pretreatment using max min preprocess method, Simplicity is calculated, it is efficient.
Further, the credit evaluating service device, is additionally configured to:
After pretreatment is normalized in the element to metrics evaluation matrix, each letter of power consumer to be assessed is calculated Before the degree of variation of evaluation index, matrixing is carried out to normalizing pretreated metrics evaluation matrix, transformation is public Formula is:
OrWherein, y (i, j) represents that normalization is pretreated The element value of the i-th row jth row of metrics evaluation matrix;F (i, j) represents the i-th row jth row of the metrics evaluation matrix after transformation Element value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
The present invention carries out matrixing to normalizing pretreated metrics evaluation matrix, can intuitively show the electric power The level that user's index comparison other users are in, the facility calculated using the transformation for back, and calculate easy.
The present invention has abandoned traditional subjectivity assessment mode by the passing experience of appraiser and experience, according to index The degree of variation of data in itself determines index weights, the finger that the power consumer credit estimation method based on index degree of variation calculates Mark weight is consistent with convention, and with objective, fairness, is adapted to power consumer credit evaluation process, finally so that originally The more previous assessment result of invention has more objectivity and fairness, effectively prevents the risk that error evaluation result is brought.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program Product.Therefore, the shape of the embodiment in terms of hardware embodiment, software implementation or combination software and hardware can be used in the present invention Formula.Moreover, the present invention can be used can use storage in one or more computers for wherein including computer usable program code The form of computer program product that medium is implemented on (including but not limited to magnetic disk storage and optical memory etc.).
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided The processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices is generated for real The device of function specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that the instruction generation being stored in the computer-readable memory includes referring to Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or The function of being specified in multiple boxes.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted Series of operation steps are performed on calculation machine or other programmable devices to generate computer implemented processing, so as in computer or The instruction offer performed on other programmable devices is used to implement in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in a box or multiple boxes.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the program can be stored in a computer read/write memory medium In, the program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random AccessMemory, RAM) etc..
Above-mentioned, although the foregoing specific embodiments of the present invention is described with reference to the accompanying drawings, not protects model to the present invention The limitation enclosed, those skilled in the art should understand that, based on the technical solutions of the present invention, those skilled in the art are not Need to make the creative labor the various modifications or changes that can be made still within protection scope of the present invention.

Claims (10)

1. a kind of power consumer credit estimation method based on index degree of variation, which is characterized in that including:
Step 1:The actual assessment value of each credit evaluation index of power consumer to be assessed is chosen from data storage server, And then construct the metrics evaluation matrix of power consumer to be assessed;Every a line of metrics evaluation matrix represents an electric power to be assessed User, and the actual assessment value for each credit evaluation index that the element per a line is corresponding power consumer to be assessed;
Step 2:According to metrics evaluation matrix and Boltzmann formula, each credit evaluation for calculating power consumer to be assessed refers to Target degree of variation;
Step 3:It is utilized respectively 1 and makees with the degree of variation of each credit evaluation index poor, each credit evaluation index offer is provided Value information effectiveness;It is utilized respectively value information effectiveness and all credit evaluation indexs that each credit evaluation index provides again The value information effectiveness of offer adds up and makees quotient, calculates the weight of each credit evaluation index;
Step 4:It adds up, obtains again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights The final credit evaluation value of each power consumer to be assessed;Wherein, final credit evaluation value is higher, then power consumer to be assessed Credit rating is higher.
2. a kind of power consumer credit estimation method based on index degree of variation as described in claim 1, which is characterized in that This method before step 1, further includes:
It scores according to presetting credit evaluation index and its rule should be assessed each power consumer, obtains each electric power The actual assessment value of each credit evaluation index of user is simultaneously stored to data storage server.
3. a kind of power consumer credit estimation method based on index degree of variation as described in claim 1, which is characterized in that Before the degree of variation of each credit evaluation index that power consumer to be assessed is calculated in the step 2, further include:
Pretreatment is normalized to the element of metrics evaluation matrix.
4. a kind of power consumer credit estimation method based on index degree of variation as claimed in claim 3, which is characterized in that Pretreatment is normalized to the element of metrics evaluation matrix using max min preprocess method, detailed process is:
C1:Select the maxima and minima in each column element of metrics evaluation matrix;
C2:Calculate the difference of the maxima and minima in each column element;
C3:The difference of each element and minimum value in each row is calculated respectively;
C4:By the result of step C3 divided by step C2's as a result, obtaining normalizing pretreated metrics evaluation matrix.
5. a kind of power consumer credit estimation method based on index degree of variation as claimed in claim 3, which is characterized in that After pretreatment is normalized in the element to metrics evaluation matrix, each credit evaluation for calculating power consumer to be assessed refers to Before target degree of variation, further include:Matrixing, transformation for mula are carried out to normalizing pretreated metrics evaluation matrix For:
OrWherein, y (i, j) represents to normalize pretreated index The element value of the i-th row jth row of evaluations matrix;F (i, j) represents the element of the i-th row jth row of the metrics evaluation matrix after transformation Value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
6. a kind of power consumer credit evaluation system based on index degree of variation, which is characterized in that including:
Metrics evaluation matrix construction module is used to choose each credit of power consumer to be assessed from data storage server The actual assessment value of evaluation index, and then construct the metrics evaluation matrix of power consumer to be assessed;Metrics evaluation matrix it is every A line represents a power consumer to be assessed, and each credit evaluation that the element per a line is corresponding power consumer to be assessed refers to Target actual assessment value;
The degree of variation computing module of credit evaluation index is used to, according to metrics evaluation matrix and Boltzmann formula, calculate Go out the degree of variation of each credit evaluation index of power consumer to be assessed;
The weight computation module of credit evaluation index is used to be utilized respectively the 1 degree of variation work with each credit evaluation index Difference obtains the value information effectiveness that each credit evaluation index provides;It is utilized respectively the valency that each credit evaluation index provides again The value information effectiveness that value information effectiveness and all credit evaluation indexs provide adds up and makees quotient, calculates each credit evaluation and refers to Target weight;
Final credit evaluation value computing module is used for the actual assessment value of each credit evaluation index and its respective weights point Not Xiang Cheng after add up again, obtain the final credit evaluation value of each power consumer to be assessed;Wherein, final credit evaluation value Higher, then the credit rating of power consumer to be assessed is higher.
7. a kind of power consumer credit evaluation system based on index degree of variation as claimed in claim 6, which is characterized in that The system, further includes:
Power consumer grading module is used for basis and presets credit evaluation index and its should assess rule to each electric power use Family is scored, and is obtained the actual assessment value of each credit evaluation index of each power consumer and is stored to data storage service In device;
Or the system, it further includes:
Preprocessing module is used to that pretreatment to be normalized to the element of metrics evaluation matrix;
Or the system, matrixing module is further included, is used for normalizing pretreated metrics evaluation matrix into row matrix Transformation, transformation for mula are:
OrWherein, y (i, j) represents to normalize pretreated index The element value of the i-th row jth row of evaluations matrix;F (i, j) represents the element of the i-th row jth row of the metrics evaluation matrix after transformation Value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
8. a kind of power consumer credit evaluation system based on index degree of variation as claimed in claim 7, which is characterized in that The preprocessing module includes:
Most it is worth screening module, the maxima and minima being used in each column element for selecting metrics evaluation matrix;
First difference calculating module is used to calculate the difference of the maxima and minima in each column element;
Second difference calculating module is used to calculate the difference of each element and minimum value in each row respectively;
Make quotient module block, be used for the result of the first difference calculating module divided by the second difference calculating module as a result, being returned One changes pretreated metrics evaluation matrix.
9. a kind of power consumer credit evaluation system based on index degree of variation, which is characterized in that including:
Data acquisition device is configured as choosing each credit evaluation of power consumer to be assessed from data storage server The actual assessment value of index;
Credit evaluating service device, is configured as:
According to the actual assessment value of each credit evaluation index of power consumer to be assessed, the finger of power consumer to be assessed is constructed Mark evaluations matrix;Every a line of metrics evaluation matrix represents a power consumer to be assessed, and the element per a line is accordingly treats Assess the actual assessment value of each credit evaluation index of power consumer;
According to metrics evaluation matrix and Boltzmann formula, the change of each credit evaluation index of power consumer to be assessed is calculated Off course degree;
It is utilized respectively 1 and makees with the degree of variation of each credit evaluation index poor, the value of each credit evaluation index offer is provided Information utility;It is utilized respectively what the value information effectiveness that each credit evaluation index provides was provided with all credit evaluation indexs again Value information effectiveness adds up and makees quotient, calculates the weight of each credit evaluation index;
It adds up again after the actual assessment value of each credit evaluation index is multiplied respectively with its respective weights, obtains each treat Assess the final credit evaluation value of power consumer;Wherein, final credit evaluation value is higher, then the credit rating of power consumer to be assessed It is higher.
10. a kind of power consumer credit evaluation system based on index degree of variation as claimed in claim 9, feature exist In the credit evaluating service device is additionally configured to:Pretreatment is normalized to the element of metrics evaluation matrix, wherein, it is right The process that pretreatment is normalized in the element of metrics evaluation matrix is:
C1:Select the maxima and minima in each column element of metrics evaluation matrix;
C2:Calculate the difference of the maxima and minima in each column element;
C3:The difference of each element and minimum value in each row is calculated respectively;
C4:By the result of step C3 divided by step C2's as a result, obtaining normalizing pretreated metrics evaluation matrix;
Or the credit evaluating service device, it is additionally configured to:
After pretreatment is normalized in the element to metrics evaluation matrix, each credit for calculating power consumer to be assessed is commented Before the degree of variation for estimating index, matrixing is carried out to normalizing pretreated metrics evaluation matrix, transformation for mula is:
OrWherein, y (i, j) represents to normalize pretreated index The element value of the i-th row jth row of evaluations matrix;F (i, j) represents the element of the i-th row jth row of the metrics evaluation matrix after transformation Value;M represents the line number of metrics evaluation matrix, is also equal to the number of power consumer to be assessed;I, j, m are positive integer.
CN201611168777.4A 2016-12-16 2016-12-16 A kind of power consumer credit estimation method and system based on index degree of variation Pending CN108205720A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113240236A (en) * 2021-04-07 2021-08-10 国网河北省电力有限公司衡水供电分公司 User credit determination method, device and terminal

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113240236A (en) * 2021-04-07 2021-08-10 国网河北省电力有限公司衡水供电分公司 User credit determination method, device and terminal

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