基于数据挖掘的中小企业信用评估研究

AbstractSince the beginning of the new century,as the state has supported the development of theprivate economy and the economy has entered a new normal,the credit business between theeconomic main theme of SMEs has become more frequent.Development is restricted,so a goodrating system must be established as a guarantee.In addition,credit evaluation can also provide avaluable reference for the risk assessment of SMEs and bank credit.This article focuses on the study of the CART classification algorithm.Through data miningon the financial data of small and medium-sized board companies,10 financial indicators forcredit evaluation are obtained,and then the analytic hierarchy process is selected for creditevaluation.The weight of the indicators after data mining is selected.Analysis,using theStandard Poor's index,conducted a credit evaluation of a medium-sized electric company A ina certain place,and analyzed the results.Keywords:Small and medium-sized enterprises;Credit assessment;The CART;Analytichierarchy process