基于数据挖掘的中小企业信用评估研究摘 要近年来，随着互联网技术的飞速发展，在国家支持民营经济发展、经济进入新常态的背景下，中小企业经济主体之间的信用往来日趋频繁，但由于中小企业信用评级体系不健全、技术手段不足等诸多因素，中小企业诚信问题日渐显露，中小企业融资困难、经营困难，严重阻碍了中小企业的自身发展，亟需建立良好的信用评级体系作为保障。信用评级体系的建立是促进中小企业发展的关键环境，风险评级可生成大量有价值、可利用的商业信息，这些信息将成为企业融资、银行授信、风险决策等重大事项的依据。 本文重点是对 CART 分类算法的研究，通过对中小板企业财务数据的数据挖掘，得出了 10 个信用评估的财务指标，然后选取了层次分析法进行信用评估，通过对数据挖掘后指标的权重分析，利用标准普尔公司指数，对某地中型电气 A 企业进行了信用评估，并分析了结果。关键词：中小企业；信用评估；CART；层次分析法IAbstractIn recent years, with the rapid development of Internet technology, support the development of the private economy in the country, under the background of economy enters a new normal, small and medium-sized enterprise credit transactions between economic agents, but due to the small and medium-sized enterprise credit rating system is not sound, lack of technical means, and many other factors, the small and medium-sized enterprise credit problems increasingly exposed, small and medium-sized enterprise financing difficulties, difficulties, seriously hindered the small and medium-sized enterprise's own development, needs to establish a good credit rating system as a guarantee.The establishment of credit rating system is the key environment to promote the development of small and medium-sized enterprises. Risk rating can generate a large amount of valuable and available business information, which will become the basis of enterprise financing, bank credit, risk decision and other important matters. This paper focuses on the study of classifi...
