InBillo - data for the model allowing for the assessment of the economic situation of the market participant

<p>Within the context of the POIR.01.01.01-00-0247/20 initiative, financially supported by the Fast Track 3_2020 competition for the Mazovia region under the theme "Service for securing and releasing financial liquidity for companies - Inbillo", an automatic scoring system was implemented to assess the economic condition of market companies. The developed scoring method enables the use of information about companies available on the internet to assess business risk.</p> <p>Between August 1 and December 31, 2021, over 22,376 analyses assessing companies were performed.</p> <p>Tests showed that the system autonomously classified 10% of companies as unauthorized to participate in the market, assigning them the status of "untrusted". This is considered an exceptional result, based on the analysis of data such as:</p> <ul> <li>_id - database identifier + NIP - taxpayer identification number</li> <li>refer_scoremain - Main RS indicator</li> <li>refer_scorecustomer_trust - RS customer trust indicator</li> <li>refer_scoredevelopment_advance - RS technological progress indicator</li> <li>refer_scoreorganization_maturity - RS organizational maturity indicator</li> <li>refer_scorepayment_morality - RS payment morality indicator</li> <li>wwwdomain - website address</li> <li>activity_company - company activity status (Active)</li> <li>company_dataemployment - employment information</li> <li>company_datalegal_form - legal form of the company</li> <li>company_dataestablishment_date - company establishment date</li> <li>debts_mr - debt information</li> <li>subsidies_sudoptotal_benefits - SUDOP benefits</li> <li>whiteliststatusVat - VAT white list status</li> <li>wwwsocialmedia_list - social media list</li> <li>wwwtechnologies_list - technology list The algorithm revealed that companies deemed untrustworthy typically had low scores in areas of organizational activity, payment morality, and customer reputation. Particularly, the latter aspect is crucial in identifying unauthorized market participants. Internet users often publish alarming information about companies, such as marking domains as fraudsters in NASK, or negative reviews on Opineo, Google Maps, Gowork, which prompted the system to search the internet in real-time and learn the characteristics of companies that could pose a future threat to the market.</li> </ul> <p>The attached dataset serves as a reference material for analysts, enabling the training of their own scoring systems in accordance with the credit policies of their organizations.</p>本数据集基于POIR.01.01.01-00-0247/20项目开展，该项目由马佐夫舍地区Fast Track 3_2020赛事资助，主题为"为企业提供资金流动性保障与释放服务——Inbillo"。项目组开发了一套自动评分系统，用于评估市场主体的经济状况；所研发的评分方法可利用互联网公开的企业信息，开展经营风险评估。 2021年8月1日至12月31日期间，累计完成超22376份企业评估分析。 测试结果表明，该系统自主将10%的企业归类为无权参与市场经营的主体，并标记为"不可信"。基于以下多维度数据分析得出的该结果属于优异表现： - _id：数据库标识符 + NIP（纳税人识别号） - refer_scoremain：核心RS指标 - refer_scorecustomer_trust：RS客户信任度指标 - refer_scoredevelopment_advance：RS技术进步指标 - refer_scoreorganization_maturity：RS组织成熟度指标 - refer_scorepayment_morality：RS支付诚信指标 - wwwdomain：网站地址 - activity_company：企业经营状态（Active，正常经营） - company_dataemployment：用工信息 - company_datalegal_form：企业法律组织形式 - company_dataestablishment_date：企业成立日期 - debts_mr：债务信息 - subsidies_sudoptotal_benefits：SUDOP补贴总额 - whiteliststatusVat：增值税白名单状态 - wwwsocialmedia_list：社交媒体列表 - wwwtechnologies_list：技术栈列表 算法分析显示，被标记为不可信的企业通常在组织运营、支付诚信及客户声誉维度得分偏低。其中，客户声誉维度是识别非法市场主体的关键指标。互联网用户常会发布涉及企业的警示信息，例如在NASK平台标记某域名所属企业为诈骗主体，或在Opineo、Google Maps、Gowork等平台发布负面评价，这促使系统实时抓取互联网信息，以研判可能对市场构成未来威胁的企业特征。 本附随数据集可供分析师作为参考资料，使其可依据所在机构的信贷政策，训练自研的评分系统。