善融商务企业用户信用评价模型研究  

Research on Credit Evaluation Model of Financial Business for Enterprise Users

作　　者：吴磊 谢振安[1] WU Lei;XIE Zhen-an(School of Economics and Management,Anhui University of Science and Technology,Huainan,Anhui 232001)

机构地区：[1]安徽理工大学经济与管理学院,安徽淮南232001

出　　处：《岳阳职业技术学院学报》2017年第5期104-108,共5页Journal of Yueyang Vocational and Technical College

摘　　要：在借鉴电商平台获取用户经济行为的模式下,为达到降低风险的目标,传统银行需要对用户进行更为科学的信用评级认定。因此,应基于大数据的善融商务信用评价模型,通过信用模型的指标体系构建企业信用档案,为传统银行选取优质客户提供依据,以提升银行的核心竞争力。In order to reduce the credit risk,the traditional banks take the model that can obtain the user's economic behavior by electricity provider platform,to confirm the users'credit evaluation more scientifically.The credit evaluation model of financial business platform is built by China Construction Bank based on big data era,it is concluded that building the record of enterprise credit evaluation through the index system of the credit model,could provide reference traditional bank to select superior customers and also enhance the core competitiveness of banking in this paper.

关 键 词：善融商务 信用评价 模糊综合评价法 层次分析法 

分 类 号：F830.5[经济管理—金融学]