Big Data Analytics and Discrete Choice Model for Enterprise Credit Risk Early Warning Algorithm

نویسندگان

چکیده

A business credit risk early warning algorithm based on big data analysis and discrete selection model is presented to address the issues of poor sample fitting performance, long time, low accuracy that plague traditional enterprise algorithm. A-share listed enterprises in China were chosen as source for screening samples analysis. After screening, financial failure firms coupled, paired created. The variables, which included corporate governance characteristics, created samples. submodel nonfinancial built index scores customers evaluated separately develop a choice risk. algorithm’s performance was employed achieve analytics compared method order verify its validity. findings experiment reveal superior one, making it more suitable warning. proposed depicts 85% accuracy.

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ژورنال

عنوان ژورنال: Security and Communication Networks

سال: 2022

ISSN: ['1939-0122', '1939-0114']

DOI: https://doi.org/10.1155/2022/3272603