摘要
结合现实阐述了企业信用评价的研究意义及重要性,并介绍了几种常见信用评价方法的发展历程及主要原理,包括经典统计算法的概括,人工智能方法中的ANN方法,粗糙集算法原理;然后使用两个数据集验证了三类算法中的代表性算法在实例中的应用效率,在实验结果分析的基础上,概括出各种常见算法的利弊,讨论较佳算法,以及在企业信用评级领域的适用性。
This paper firstly reviewed the research meaning and importance of corporate credit evaluation, and introduced the development process and main principles of several methods of corporate credit evaluation, including the summary of classical statistic method, the ANN algorithm in AI and rough set. Next it verified the application efficiency of three algorithms which are representational in each field using two data sets. On the basis of detailed analyzing the result of experiment, it summarized the advantage and disadvantage of each algorithm, discussed the better one, and their applicability in the field of corporate credit evaluation.
出处
《信息技术》
2009年第5期214-217,222,共5页
Information Technology
