银联-商户银杏分

企业银杏分是对企业的信用状况进行综合评估的产品，从身份信息、经营概况、信用历史、风险概率及法人信息5个维度进行打分，评分范围从300到1000，分值越高代表信用越好。银杏分是通过分析借贷违约企业与及时还款企业在过往信用记录和行为特征上的差异， 筛选出最能预测违约概率的特征变量，并通过机器学习算法建立科学严谨的评估模型计算而得。
覆盖范围：全国800万商户

Enterprise Ginkgo Score is a comprehensive credit assessment product for enterprises. It scores enterprises across 5 dimensions including identity information, business profile, credit history, risk probability, and legal representative information, with a score range of 300 to 1000, where a higher score indicates better credit standing.

The Ginkgo Score is calculated by analyzing the differences in past credit records and behavioral characteristics between defaulting loan enterprises and timely-repaying enterprises, screening out the feature variables that best predict default probability, and establishing a scientifically rigorous assessment model via machine learning algorithms.

Coverage: 8 million merchants across the country.

搜集汇总

背景与挑战

背景概述

银联-商户银杏分是一个企业信用评估数据集，通过身份信息、经营概况、信用历史、风险概率及法人信息5个维度，使用机器学习算法对全国800万商户进行综合评分，评分范围300-1000，分值越高代表信用越好。该数据集旨在预测违约概率，为商户信用状况提供科学评估。