| 中小企业智能信用评估系统设计与实现 |
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| 引用本文： | 付冬.中小企业智能信用评估系统设计与实现[J].人天科学研究,2010(11):108-110. |
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| 作者姓名： | 付冬 |
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| 作者单位： | 同济大学软件学院,上海201804 |
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| 摘 要： | 在国际金融危机环境下,中小企业贷款困难尤其突出,有很多企业因为资金链的断裂而被迫破产。同时,从银行方面针对中小企业信用评级方面来看,在方法、效率和成本方面又是按照国有大型企业同样的方法和标准来做,这些方法和标准对于中小企业并不很合适。在考察了我国中小企业目前面临较为困难的融资情况之后,开发出了一套智能化的、信息化的,专门针对中小企业的信用评价系统,Smart Credit Evaluation System for SMEs（SCEC）。
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| 关 键 词： | 神经网络 分布式系统 智能信用评估 |
SME Credit Evaluation System of Intelligent Design and Implementation |
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| Abstract: | In the environment of international financial crisis, small business loan difficultly. Particularly prominent, many enterprises faced the capital chain rupture and forced into bankruptcy. Meanwhile, the banks standards in terms of credit ratings for SMEs, and in the method, efficiency and cost aspects are based on Government Policy, and execute the same methodology and standards. These methods and standards do not adapter SMEs. In the study of China＇s SMEs are faced with more difficult financing conditions, it＇s needed that the development of an intelligent, using information technology, specialized credit evaluation system for SMEs Smart Credit Evaluation System for SMEs（SCEC）. |
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| Keywords: | Neural Network Distributed System Intelligent Credit Scoring |
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