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Credit assessment method and system development for small-businesses' based on daily transaction data

Research Project

Project/Area Number 19530324
Research Category

Grant-in-Aid for Scientific Research (C)

Allocation TypeSingle-year Grants
Section一般
Research Field Business administration
Research InstitutionFukushima University

Principal Investigator

DONG Yanwen  Fukushima University, 共生システム理工学類, 教授 (90292458)

Project Period (FY) 2007 – 2009
Project Status Completed (Fiscal Year 2009)
Budget Amount *help
¥3,640,000 (Direct Cost: ¥2,800,000、Indirect Cost: ¥840,000)
Fiscal Year 2009: ¥780,000 (Direct Cost: ¥600,000、Indirect Cost: ¥180,000)
Fiscal Year 2008: ¥1,300,000 (Direct Cost: ¥1,000,000、Indirect Cost: ¥300,000)
Fiscal Year 2007: ¥1,560,000 (Direct Cost: ¥1,200,000、Indirect Cost: ¥360,000)
Keywords経営情報 / 信用評価 / 集団学習 / 多変量解析 / エントロピー / 事例ベース推論 / ファジイ / サポートベクターマシン / 判別分析 / 企業倒産
Research Abstract

As almost all of models and methods for credit assessment published so far are based on financial data or stock price and investigation data, It is difficult to apply them to assess credit of minor and small businesses that do not disclose financial information. This study proposed some new approaches and systems to assess the customers' credit only based on daily transaction data such as sales, payments by customers, amount of overdue payment, etc. The performance and usefulness of the proposed approaches and systems has been confirmed by applying them to practical credit assessment problems. The proposed approaches and systems can indentify unsound customers very effectively and has also high ability to indentify healthy customers.

Report

(4 results)
  • 2009 Annual Research Report   Final Research Report ( PDF )
  • 2008 Annual Research Report
  • 2007 Annual Research Report
  • Research Products

    (24 results)

All 2010 2009 2008 2007 Other

All Journal Article (4 results) (of which Peer Reviewed: 4 results) Presentation (17 results) Remarks (3 results)

  • [Journal Article] Application of Bagging for Solving Small-Businesses' Credit Assessment Problems Based On Daily Transaction Data2009

    • Author(s)
      DONG Yanwen
    • Journal Title

      中国管理信息化 No. 15

      Pages: 115-119

    • Related Report
      2009 Final Research Report
    • Peer Reviewed
  • [Journal Article] Application of Bagging for Solving Small-Businesses' Credit Assessment Problems Based On Daily Transaction Data2009

    • Author(s)
      DONG Yanwen
    • Journal Title

      中国管理信息化(China Management Informationization) No.15

      Pages: 115-119

    • Related Report
      2009 Annual Research Report
    • Peer Reviewed
  • [Journal Article] Development of A Customer Credit Evaluation System via Case-based Reasoning Approach2008

    • Author(s)
      Yanwen Dong
    • Journal Title

      ASIA-PACIFIC JOURNAL OF INDUSTRIAL MANAGEMENT Vol. 1, No. 1

      Pages: 1-7

    • Related Report
      2009 Final Research Report
    • Peer Reviewed
  • [Journal Article] Development of A Customer Credit Evaluation System via Case-based Reasoning Approach2008

    • Author(s)
      Yanwen Dong
    • Journal Title

      ASIA-PACIFIC JOURNAL OF INDUSTRIAL MANAGEMENT Vol.1, No.1

      Pages: 1-7

    • Related Report
      2008 Annual Research Report
    • Peer Reviewed
  • [Presentation] ニューラルネットワークを用いた企業信用評価システムに関する研究2010

    • Author(s)
      〓希穎, 董彦文
    • Organizer
      日本ロジスティクスシステム学会第13回全国大会
    • Place of Presentation
      福島市
    • Year and Date
      2010-06-05
    • Related Report
      2009 Final Research Report
  • [Presentation] 決定木を用いた企業信用評価手法に関する研究2010

    • Author(s)
      兪春姫, 董彦文
    • Organizer
      日本ロジスティクスシステム学会第13回全国大会予稿集
    • Place of Presentation
      福島市
    • Related Report
      2009 Final Research Report
  • [Presentation] Application of Hybrid Method of Bagging and Case-Based Reasoning to Solve Small-Businesses' Credit Assessment Problems2009

    • Author(s)
      Yanwen Dong
    • Organizer
      The 10th Asia Pacific Industrial Engineering & Management Systems Conference (APIEMS 2009)
    • Place of Presentation
      Kitakyushu, Japan
    • Related Report
      2009 Final Research Report
  • [Presentation] Application of Ant Colony System to Fuzzy Vehicle Routing Problem2009

    • Author(s)
      Yanwen DONG, Yoshiyuki HIGUCHI
    • Organizer
      The 2nd International Workshop on Institutional Supply Chain Management
    • Place of Presentation
      Xi'an China
    • Related Report
      2009 Final Research Report
  • [Presentation] System Design and Operation of Real-Time Cost Management in Small and Medium Size Enterprise2009

    • Author(s)
      Yoshiyuki HIGUCHI, Yosinobu SATO, Yanwen DONG, Chun JIN
    • Organizer
      The 2nd International Workshop on Institutional Supply Chain Management
    • Place of Presentation
      Xi'an China
    • Related Report
      2009 Final Research Report
  • [Presentation] Applying the Fuzzy Weighted Average to Evaluate Information Leakage Risk2009

    • Author(s)
      Ryoko Kobari, Yanwen Dong
    • Organizer
      The 2nd International Workshop on Institutional Supply Chain Management
    • Place of Presentation
      Xi'an China
    • Related Report
      2009 Annual Research Report 2009 Final Research Report
  • [Presentation] An Ant Colony Optimization Method for Fuzzy Vehicle Routing Problem2009

    • Author(s)
      Yanwen Dong, Kyoji Hoshino
    • Organizer
      The 20th International Conference on Production Research (ICPR20)
    • Place of Presentation
      Shanghai, China
    • Related Report
      2009 Final Research Report
  • [Presentation] An Entropy Approach to Assessment of Small-Businesses' Credit Based On Daily Transaction Data2009

    • Author(s)
      Yanwen Dong, Xiying Hao
    • Organizer
      The 5th International Congress on Logistics and SCM Systems(ICLS 2009)
    • Place of Presentation
      Seoul, Korea
    • Related Report
      2009 Annual Research Report 2009 Final Research Report
  • [Presentation] An Ant Colony Optimization Method for Fuzzy Vehicle Routing Problem2009

    • Author(s)
      Yanwen Dong, Kyoji Hoshino
    • Organizer
      The 20th International Conference on Production Research(ICPR20)
    • Place of Presentation
      Shanghai, China
    • Related Report
      2009 Annual Research Report
  • [Presentation] Application of Ant Colony System to Fuzzy Vehicle Routing Problem2009

    • Author(s)
      Yanwen DONG, Yoshiyuki HIGUCHI
    • Organizer
      The 5th International Congress on Logistics and SCM Systems(ICLS 2009)
    • Place of Presentation
      Xi'an China
    • Related Report
      2009 Annual Research Report
  • [Presentation] ファジィ加重平均を用いた取引先信用評価手法に関する研究2008

    • Author(s)
      董彦文
    • Organizer
      日本ロジスティクスシステム学会第11回全国大会予稿集
    • Place of Presentation
      千葉県習志野市, 日本大学
    • Year and Date
      2008-06-22
    • Related Report
      2008 Annual Research Report
  • [Presentation] ファジィ加重平均を用いた取引先信用評価手法に関する研究2008

    • Author(s)
      董彦文
    • Organizer
      日本ロジスティクスシステム学会第11回全国大会
    • Place of Presentation
      習志野市
    • Related Report
      2009 Final Research Report
  • [Presentation] "An Application of Support Vector Machines in Small-Business Credit Scoring", Proceedings of The Second International Conference on Innovative Computing2007

    • Author(s)
      Yanwen Dong
    • Organizer
      Information and Control (ICICIC2007)
    • Place of Presentation
      Kumamoto, Japan
    • Related Report
      2009 Final Research Report
  • [Presentation] A Case Based Reasoning System for Customer Credit Scoring : Comparative Study of Similarity Measure2007

    • Author(s)
      Yanwen Dong
    • Organizer
      Proceedings of The 51st Annual Meeting of the International Society for the Systems Sciences
    • Place of Presentation
      Tokyo, Japan
    • Related Report
      2009 Final Research Report
  • [Presentation] 日常業務データに基づく取引先信用評価のための評価指標選択に関する研究2007

    • Author(s)
      董彦文
    • Organizer
      日本経営工学会平成19年度秋季研究大会
    • Place of Presentation
      小樽市
    • Related Report
      2009 Final Research Report 2007 Annual Research Report
  • [Presentation] A Case Based Reasoning System for Customer Credit Scoring: Comparative Study of Similarity Measure2007

    • Author(s)
      董 彦文(Dong Yanwen)
    • Organizer
      The 51st Annual Meeting of the International Society for the Systems Sciences
    • Place of Presentation
      日本東京都
    • Related Report
      2007 Annual Research Report
  • [Presentation] An Application of Support Vector Machines in Small-Business Credit Scoring2007

    • Author(s)
      董 彦文(Dong Yanwen)
    • Organizer
      The Second International Confernce on Innovative Computing, Information and Control
    • Place of Presentation
      日本熊本市
    • Related Report
      2007 Annual Research Report
  • [Remarks] ホームページ等

    • URL

      http://www.mise.sss.fukushima-u.ac.jp/

    • Related Report
      2009 Final Research Report
  • [Remarks]

    • URL

      http://www.mise.sss.fukushima-u.ac.jp

    • Related Report
      2008 Annual Research Report
  • [Remarks]

    • URL

      http://www.mise.sss.fukushima-u.ac.jp

    • Related Report
      2007 Annual Research Report

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Published: 2007-04-01   Modified: 2016-04-21  

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