多智能体系统(MAS)在企业内部信用评估中的应用研究

Multi-Agent System Application Research on Inner-Enterprise Credit Rating

研究、实现了企业内部信用评估多智能体系统IECRMAS(Inner-EnterpriseCreditRatingSystem)。与传统决策支持系统不同的是,IECRMAS不仅关注客体信息利用,而且研究了如何提高评估主体和评估团队的理性,以及促进共享团队形成的评估机制。基于MAS技术的信用评估系统具有分布式、半自治的、可观测的、可控的、可动态配置等特点。该系统的主要创新之处在于;⑴基于企业信用交易过程的信用评估流程规范化;⑵面向评估任务的评估主体动态分组和共享团队培育机制;⑶以Agent辅助评估师个人构成理性评估个体。IECRMAS在多家单位进行了应用,取得了良好的社会效益和经济效益。

To build a kind of process controllable, knowledge sharable, incentive compatible enterprise credit rating system, we propose and implement Inner-Enterprise Credit Rating Multi-Agent System （IECRMAS）. IECRMAS pay attention to not only the rating objects＇ and also the evaluators＇ Major innovations of IECRMAS include： 1. Regulate the enterprise credit rating process according to the credit transaction process; 2. Task-oriented dynamically evaluator-grouping algorithm; 3. Shared-team facilitating mechanism and Rational evaluating unit consists of evaluator and his （or her） software agent. The system is now running with good feedback in several enterprises.