Construction And Research On Early Warning Model Of Financial Risks For Small And Medium-sized Enterprises

The key to the difficulty of SME loans lies in the establishment of a trust mechanism between banks or financial institutions and SMEs,and banks or financial institutions lack the end data grasp of SMEs and cannot completely break through the information asymmetry with SMEs.The transmission characteristics of 5G with low continuity and high bandwidth enhance the data collection and front-end capabilities of Io T devices at the end,so it can become a continuous and credible data link.Therefore,this research starts with Internet of Things data and integrates corporate credit risk evaluation indicators from a new perspective.The scientificity lies in: the evaluation index not only considers the comprehensive judgment of the third-party platform on the company's public information,but also considers the company's possible shutdown or production shutdown risks.The easy availability lies in the comprehensive use of image processing technology,Internet of Things technology,and OCR model,It can count the daily consumption information of the enterprise and the actual number of employees.Internet of Things equipment to take photos of the corresponding metering equipment and use the Paddle OCR built-in model to recognize the pictures of the area to be identified from the photos,and obtain the daily usage data of traditional electricity meters,water meters,and gas meters;in and out positions)set up a high-definition camera with an open interface The captured video data is subjected to statistical analysis of the flow of people,and the actual number of people on duty on that day is calculated.Finally,based on the established corporate credit risk evaluation indicators,a fuzzy logic financial risk prediction model is established.And according to the logic related theories and the generated evaluation indicators,design the fuzzy subsets,membership functions and control rules required by the fuzzy logic model.In the classic fuzzy logic model,a single membership function cannot accurately express the input variables to certain concepts.The question of the degree of membership,the combination of the idea of weighting and the proposed evaluation index of goodness of dating R2,combined weighting of multiple membership functions,to achieve the optimization of the classic fuzzy logic model.Accurate analysis shows that both the classic fuzzy logic model and the fuzzy logic model optimized by the combination membership function can effectively reflect and predict the financial risk value of the enterprise;the fuzzy logic model optimized by the combination membership function has better stability and accuracy than the classic fuzzy logic model.