Research And Implementation Of Intelligent Platform For Scientific And Technological Enterprise Evaluation Based On Big Data Credit Evaluation

Technology-based small and micro enterprises are the main force of small and micro enterprises,because they have the characteristics of "short establishment time,lack of collateral,and high degree of information asymmetry",making it difficult for traditional credit reporting systems to evaluate them,resulting in more and more technology-based small and micro enterprises.Financing difficulties for micro-enterprises.With the rapid development of the digital economy,new technologies such as the Internet and big data are widely used in the field of credit reporting.A large amount of relevant credit data is collected,analyzed and applied to judge the credit status of small and micro enterprises,which also provides a solution for the evaluation difficulties of small and micro enterprises in science and technology.Brand new solution.At the same time,in recent years,there have been frequent incidents of corporate credit data information leakage,prompting the state to issue relevant laws to impose stricter requirements on the provision,processing and users of credit data.As a result,relevant credit institutions are reluctant to share credit data due to data security considerations,making the "data island problem" more and more serious.Based on the background of big data credit investigation,this paper selects the credit evaluation of technology-based enterprises as the application scenario,uses federated learning and credit scorecard as tools to study and realizes the intelligent evaluation platform of credit investigation across data silos,and completed the construction of the scientific and technological enterprise credit evaluation index system.The main research contents are as follows:1)Design and implement a credit evaluation platform for technology-based enterprises based on the cross-organization joint scorecard,which supports the storage,query,retrieval,and calculation of data in the field of scientific and technological consulting.Based on the data of the technology consulting industry,the system supports the construction of multi-dimensional data indicator models across organizations.This cross-organizational calculation method separates data provision from data use and can combine data from multiple parties while ensuring the security and privacy of sensitive data.By making use of it,"data is available and invisible" is realized,and the evaluation results and process are further visualized,to realize value empowerment for the high-dimensional and comprehensive credit scoring business of technology-based enterprises.2)Proposed and realized the construction of technology-based enterprise evaluation index system based on the Analytic Hierarchy Process(AHP).In view of the traditional scorecard model cannot be applied to the technology industry credit evaluation task in the era of big data,in the collection of After a large amount of related data of technology-based enterprises,according to the characteristics of technology-based enterprises and related data characteristics,a multi-party privacy data mining algorithm is used to build a technology-based enterprise evaluation index system,which provides an effective index system for the scorecard model,thus making the traditional scorecard model change.Joint scorecard model for cross-organization,to solve the problem of credit evaluation of technology-based enterprises across data silos.