小微企业分

小微分是一款以企业工商为数据算法底座，基于大数据技术和机器学习技术的金融场景标准评分产品。以独家构建的小微企业风险样本库为样本，重点关注企业经营流水、企业主风险以及多维度关联关系，构建的模型评分。

Xiaowei Score is a standard scoring product for financial scenarios. It takes enterprise industrial and commercial data as its core data and algorithm foundation, and is developed based on big data technology and machine learning technology. Trained on an exclusively built small and micro enterprise risk sample library, the model prioritizes enterprise operating cash flow, entrepreneur risk and multi-dimensional correlation relationships to generate scoring outputs.

搜集汇总

背景与挑战

背景概述

小微企业分是一款基于企业工商数据、大数据技术和机器学习技术的金融场景标准评分产品，重点关注企业经营流水、企业主风险及多维度关联关系，构建模型评分。该产品覆盖全国范围，涉及2000万法人企业和7000万个体户，并每日动态更新，适用于普惠金融领域的风险评估。