基于数据挖掘技术的企业信用风险评估

Enterprise Credit Risk Assessment Based on Data Mining Technology

将数据挖掘技术有效地运用在企业信用风险评估过程中,能够对企业的历史经营数据展开深入研究,分析企业是否会出现欺诈或信用风险,并预测未来的信用水平,进而采取科学合理的监督手段和措施在发生信用风险之前展开相应的管控,促进我国整体市场经济的稳定健康发展。

The effective application of data mining technology in enterprise credit risk assessment can help to deeply study enterprises’historical operating data.On this basis,we can predict enterprises’fraud possibility,credit risk and future credit level.Furthermore,we can adopt scientific and reasonable supervision methods to implement related management and control before the occurrence of credit risk,so as to improve the sustainable and healthy development of China’s market economy.