基于模糊聚类和决策树的企业信用评级模型

Wu Hongxia, L. Xueqin, Liu Yanhui
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引用次数: 5

摘要

为了客观、公正地评估企业信用等级,本文重点研究了如何将数据挖掘与企业信用等级评估相结合。首先建立了企业信用等级综合评价指标体系。在此基础上,提出了基于决策树和模糊聚类算法的企业信用等级综合评价方法。将所提出的方法应用于企业信用等级评价中,结果表明企业的管理水平和员工素质是影响企业信用等级评价的最重要因素。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Enterprise Credit Rating Model Based on Fuzzy Clustering and Decision Tree
In order to assess enterprise credit rating objectively and fairly, this paper focuses on how to combine the Data Ming with assessing enterprise credit rating. Firstly the comprehensive evaluation index system of enterprise credit rating is built up. Then the comprehensive evaluation method of the credit rating of enterprise is put forward based on the decision tree and fuzzy clustering algorithm. Applying the method proposed to assessing the credit rating of enterprise shows that the management level and employee quality is the most important factors.
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