NDLI: A credit evaluation model for small micro-enterprises based on text mining and empirical study

Content Provider	IEEE Xplore Digital Library
Author	Cong Wang Deli Yang
Copyright Year	2014
Description	Author affiliation: Sch. of Manage., Dalian Univ. of Technol., Dalian, China (Cong Wang; Deli Yang)
Abstract	According to credit reports of small micro-enterprise in the bank, this paper verifies the authenticity of credit indexes based on text mining. And credit indexes are selected with PC A. In order to compare, credit evaluation models are built respectively with indexes corrected and non-corrected. The result shows that credit evaluation model built on authenticity corrected with text mining could use fewer indexes to evaluate small micro-enterprise credit effectively. And the evaluation model could guide the bank to establish different competition strategies of loan price. There are more qualitative indexes than financial indexes in small micro-enterprise credit evaluation model It suggests that more attention should be paid to development prospect of the small micro-enterprise when its credit is evaluated.
Starting Page	398
Ending Page	402
File Size	269980
Page Count	5
File Format	PDF
ISBN	9781479936496
e-ISBN	9781479936502
DOI	10.1109/ICICIP.2014.7010286
Language	English
Publisher	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Publisher Date	2014-08-18
Publisher Place	China
Access Restriction	Subscribed
Rights Holder	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Subject Keyword	Text mining Industries Economics Support vector machines Educational institutions Indexes Principal component analysis
Content Type	Text
Resource Type	Article

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4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
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