CAJ | 학술논문

针对目前电力客户欠费回收问题，文中研究信用评估指标，并结合目前电力客户缴费数据，提出一种变现动态信用分值度量算法，揭示复杂的缴费行为的实质，有效区分不同缴费类型，进而有效区分不同客户的信用状况。同时通过对湖南省某地市电力客户缴费数据进行挖掘分析，给出动态信用评价方法实证分析，有效验证该信用评估方法的科学性、合理性。
침대목전전력객호흠비회수문제，문중연구신용평고지표，병결합목전전력객호격비수거，제출일충변현동태신용분치도량산법，게시복잡적격비행위적실질，유효구분불동격비류형，진이유효구분불동객호적신용상황。동시통과대호남성모지시전력객호격비수거진행알굴분석，급출동태신용평개방법실증분석，유효험증해신용평고방법적과학성、합이성。
This paper proposes a realizable dynamic credit score metric algorithm based on studies of credit assessment indicators and payment data of current electricity customers to reveal the essence of complex payment behavior. It effectively distinguishes different types of payment and the credit profiles of different customers. By analysis of the payment data of one municipal electric power customers in Hunan province,the dynamic credit assessment method proposed above is applied,and it is proved to be scientifically valid.