Research Of Enterprise Credit Risk Management System Based On Support Vector Machine

Credit is the basis of the market economy and the prerequisite of normal running of market economy。Credit risk is everywhere,so it is urgent for us to recognize the essence and characteristics of credit and credit economy,improve our ability to recognize and avoid credit risk,en hance the level of enterprise credit management and adapt to the needs of credit economy's development。Credit sale risk is a kind of credit risk,it means that credit buying customer may not pay all the accounts which leads to the enterprise faces great financial risk. There are a lot of existed problems in enterprise credit sale risk management needs to be improved and resolved.This paper improves the existed research achievement ,establishes credit sale risk management frame according to the practice of present credit sale risk management and based on this frame,according to the process of credit sale risk management,realize that credit sale risk management model includes client screening model and dynamic supervision model of client credit risk .This paper also build mathematic model using SVM method and a more effective credit risk evaluation model using advanced classified forecast method and analyze the application of the credit sale risk management system through the a company'practice of credit management in machine-build industry.The outcomes of this paper are as follows:(1)We analyze the reasons of the current credit of China's enterprises and problems of credit risk management. Through that analysis, we have some enlightenments of business credit risk management. These are, the establishment of an independent credit management, business process reengineering, as well as the use of advanced information technology to establish credit risk management systems.(2)We introduces the current domestic and foreign general enterprise risk management framework, and establishes the enterprise credit risk management, according to the analysis of business credit management in the front of the thesis, Including the establishment of business credit management, the development of enterprise credit risk management policies, credit risk management process analysis and the structure of models based on the risk management processes.(3)We introduce the current method of credit evaluation, and establishes an model of credit risk evaluation on credit sale. We divide the indicators of credit risk evaluation into quantitative indicators and qualitative indicators. Quantitative indicators are the client's financial indicators, qualitative indicators are mainly industry environment of the customers and internal management factors. We preprocess of the evaluated data of client. Quantitative data to take normalized, qualitative data on the use of fuzzy methods to quantify.(4)We research the corporate credit risk management system and put up the hierarchical structure of the risk management system in combination with the hierarchical structure of business intelligence system. The structure is divided into the core data layer, data management layer, logic layer and system display layer We analyze the functional process of system .(5)From the respect of The organizational structure of enterprise credit management and management process, a case study for company X has been introduced to analyze credit risk management of credit system which is implemented by enterprises. Then, the system of B/S structure has been realized by Structs+ Hibernate, which explains the effectiveness of credit risk management of credit system put up in the paper. Finally, it guides enterprises to do credit risk management effectively.