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CREDIT REFERENCE
2015年
6期
26-29
,共4页
供应链金融%企业信用风险%最小二乘支持向量机%评估模型
供應鏈金融%企業信用風險%最小二乘支持嚮量機%評估模型
공응련금융%기업신용풍험%최소이승지지향량궤%평고모형
supply chain finance%enterprise credit risk%Least Squares Support Vector Machine ( LSSVM)%assessment model
针对目前供应链金融业务中企业信用风险评估不科学与不完善的问题,在对企业信用风险评估的指标体系进行梳理和完善的基础上,利用最小二乘支持向量机(LSSVM)的基本原理尝试构建了企业信用风险 LSSVM 评估模型,并对模型的可行性和优越性做了分析和验证。研究结果表明:LSSVM 评估模型收敛速度快、准确度较高、泛化能力强,为供应链金融业务中的企业信用风险评估提供了一种新的办法和思路。
針對目前供應鏈金融業務中企業信用風險評估不科學與不完善的問題,在對企業信用風險評估的指標體繫進行梳理和完善的基礎上,利用最小二乘支持嚮量機(LSSVM)的基本原理嘗試構建瞭企業信用風險 LSSVM 評估模型,併對模型的可行性和優越性做瞭分析和驗證。研究結果錶明:LSSVM 評估模型收斂速度快、準確度較高、汎化能力彊,為供應鏈金融業務中的企業信用風險評估提供瞭一種新的辦法和思路。
침대목전공응련금융업무중기업신용풍험평고불과학여불완선적문제,재대기업신용풍험평고적지표체계진행소리화완선적기출상,이용최소이승지지향량궤(LSSVM)적기본원리상시구건료기업신용풍험 LSSVM 평고모형,병대모형적가행성화우월성주료분석화험증。연구결과표명:LSSVM 평고모형수렴속도쾌、준학도교고、범화능력강,위공응련금융업무중적기업신용풍험평고제공료일충신적판법화사로。
In response to unscientific and imperfect enterprise credit risk assessment in supply chain finance at present, on the basis of combing and completing the indicator system of enterprise credit risk assessment, the paper applies the least squares support vector machine (LSSVM) to build an enterprise credit risk assessment model, and makes an analysis on the feasibility and superiority of the model. It draws the conclusion that the LSSVM assessment model is more effective with high accuracy and powerful universalisation, which provides a new method for assessing enterprise credit risk in the supply chain finance business.