综合信用风险评估与预警机制数据集

该数据集通过公司自有的信用评分和评估系统，收集和存储客户和企业的信用记录、财务数据、贷款情况、还款历史、逾期记录等信息，同时通过自动化手段定期抓取企业的财务报告、法律诉讼等方面的信息作为补充。数据构成包括：（1）企业基本信息：企业编号、企业性质、企业所属行业、主要经营范围；（2）财务与经营状况：资产等级、利润等级、现金流状况、贷款等级。（3）信用记录与历史：逾期记录、监管处罚记录、法律诉讼记录、法律诉讼结果。（4）信用评估：信用评分：基于各类财务数据和历史信用记录生成的综合信用评分。信用风险等级：根据信用评分确定的信用风险等级。

This dataset collects and stores credit records, financial data, loan details, repayment histories, overdue records and other information of individual customers and enterprises via the company's proprietary credit scoring and evaluation system. Additionally, it supplements the dataset by periodically scraping information on enterprises' financial reports, legal proceedings and other relevant aspects through automated means. The dataset consists of the following components:
(1) Enterprise Basic Information: Enterprise ID, enterprise nature, industry sector the enterprise belongs to, main business scope;
(2) Financial and Operational Status: Asset rating, profit rating, cash flow status, loan rating;
(3) Credit Records and History: Overdue records, regulatory penalty records, legal proceeding records, legal proceeding outcomes;
(4) Credit Evaluation:
Credit Score: A comprehensive credit score generated based on various financial data and historical credit records.
Credit Risk Rating: The credit risk level determined based on the credit score.

搜集汇总

数据集介绍

特点

该数据集由埃里斯信用评价有限公司申请，包含4489条企业信用数据，每季度更新。数据涵盖企业基本信息、财务状况、信用历史等，用于评估企业信用风险和预警。数据集适用于金融、企业管理和风险控制等领域，通过机器学习模型计算信用评分并划分风险等级。