改良式线性回归方法的企业信用评估机制

为解决企业信用度面对数据来源多且复杂的问题,提出一种计算企业信用度的新方法.该方法基于传统线性回归方法的改进,通过计算企业内重要评价参数的平均值,得到企业信用度的平衡值.同时,因为减少了影响性较低的参数,从而优化了传统线性回归法产生的误差,并且准确地计算企业的信用度.得到的信用度数值,可以有效地定义企业的好坏.实验表明...

Enterprise Credit Evaluation Mechanism Based on Improved Linear Regression Method

In order to solve the problem of multiple and complex data sources for the credit degree of enterprise,a new method based on the traditional linear regression method is proposed to evaluate the credit degree of enterprise. Then, the obtained credit value of enterprise can effectively define the reliability of the enterprise. To calculate the average value of several important parameters from the enterprise, we can obtain the balance value of the credit rating for enterprise. Because the improved linear regression reduces low-impact parameters, it optimizes the errors generated by the traditional linear regression method and accurately calculates the creditworthiness of the enterprise. The experiment is shown that the improved linear regression is generally better than the traditional linear regression in the evaluation process of enterprise credit. In particular, it requires a small number of variables to achieve similar results, and produces the better classification efficiency.