Enterprise Credit Evaluation Model And Decision Support Systems Research

Credit risk assessment for enterprise is the important operation inthe market economy both in theory and in practice. It has the greatinfluence to market economy development. It is well known that thesubjective judgments have very big effect in the realm of credit riskassessment, so how to enhance the objective composition in subjectivelyassessment, is a worthy topic to make an effort. In this realm, manyscholars have finished a great deal of work and get many achievements.According to above conception, this thesis firstly studied and comparedother scholars' achievements and researches, which have been usedextensively and have the important position in this realm. Then, it gavean approach of credit risk assessment for business enterprise and asoftware design project of a decision support system.Except the part of foreword, the thesis mainly is divided into fiveparts.The first part summarized the development of credit risk assessmentimportant model, and discussed the research approaches and achievementsin making use of the objective data of the enterprise, mainly from thedomestic aspects and overseas aspects. Then, it discussed the latestresearch trend of Credit risk assessment model. This part is thefoundation of the comparing research in literatures.The second part discussed the design thought decision support systemof credit risk assessment. Firstly, this chapter discussed the systemneeds to the credit risk assessment model in whole. Then, it led in theneural network model and the factor analysis model and illuminated theimportant value at the actual application.The third part illuminated the assessment approach according to theneural network model and factor analysis model. At the foundation of thesecond part, this chapter discussed specific mathematics model of theneural network and factor analysis .it also illuminated the other detailsof the application.The fourth part illuminated the system structure of decision supportsystem of credit risk assessment model. Firstly, this chapter discussedthe system need to the software structure. Then, it introduced the systemstructure of decision support system in detail, mainly from the aspectof the whole system structure (the system view) and the aspect of importantinformation techniques (the technology view) used in the design ofsoftware system.The fifth part is demonstration analysis .In this part, we utilizedthe data of credit rating for composition stock of 50 index which comesfrom DaGong Global Credit Rating Company. The data included the resultof credit rating in 2004 and 2005. Through the demonstration analysis,we can test the accuracy and utility of the decision support system ofcredit risk assessment model.