基于PCA/FCM的企业信用评价研究

Study on Enterprise Credit Evaluation Based on PCA/FCM

针对我国企业信用评价问题的特点,文章分析了企业信用评价基本原则和主要影响因素,建立了企业信用评价指标体系。企业信用评价是一类包括一系列独立变量的分类问题,将主成分分析与模糊理论引入信用评价中,构建基于PCA/FCM的企业信用评价模型,这使得模型更接近人们的思维方式、指标赋权更为客观。应用该模型及SPSS11.0、MATLAB7.0对所选企业研究显示:该模型非常有效和实用。

Considering the characteristics of credit evaluation on Chinese enterprises, this paper analyzes the basic principles and the influeritial factors of credit evaluation to establishe an evaluation index system. As enterprise credit evaluation is a kind of problem classification influential including many independent variables, fussy consistent matrix and principle component analysis are introduced and an evaluation model is set up based on PCA / FCM. It results in the evaluation model closing to people＇s thinking pattern and the index weights are more objective. Using the model and SPSS11.0, MATLAB7.0 to evaluate sample enterprises, the result demonstrates that the described model is very efficient and practical.