企业信用评价模型（烟台）

运用企业信用评价模型分析评价企业信用，模型采用金融风控最常用的评分卡模型，利用6C分析法（债务人的道德品格、资金实力、还款能力、担保、环境条件及事业的连续性）确实模型指标，数据则依托于规范化清洗后的地方大数据局、省级以及国家信用信息中心的公开企业数据。

An enterprise credit evaluation model is utilized to analyze and assess corporate credit. The model adopts the scorecard framework, which is the most widely applied financial risk management tool. The model's indicators are determined through the 6C analysis method, covering the debtor's moral character, financial strength, repayment capacity, collateral, environmental conditions, and business continuity. The dataset is constructed using publicly available enterprise data that has undergone standardized cleaning, sourced from local big data bureaus, provincial-level and national credit information centers.

搜集汇总

背景与挑战

背景概述

该数据集提供了一个针对烟台地区企业信用评价的模型，采用金融风控中常用的评分卡模型，基于6C分析法（涵盖道德品格、资金实力、还款能力、担保、环境条件和事业连续性）来构建评价指标。数据来源于经过规范化清洗的地方、省级和国家信用信息中心的公开企业信息，旨在帮助企业进行信用风险分析和评估。