2009 Fiscal Year Final Research Report
Credit assessment method and system development for small-businesses' based on daily transaction data
| Project/Area Number |
19530324
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| Research Category |
Grant-in-Aid for Scientific Research (C)
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| Allocation Type | Single-year Grants |
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| Section | 一般 |
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| Research Field |
Business administration
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| Research Institution | Fukushima University |
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Principal Investigator |
DONG Yanwen Fukushima University, 共生システム理工学類, 教授 (90292458)
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| Project Period (FY) |
2007 – 2009
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| Keywords | 経営情報 / 信用評価 |
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| 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.
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