Proceedings of the 2nd International Conference on Internet, Education and Information Technology (IEIT 2022)

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Credit Decision of Small and Micro-sized Businesses Based on Big Data Analysis

Authors
Wenjing Wang1, 2, *
1North-Chiang Mai University, Chiang Mai, 50000, Thailand
2Department of Basic Courses, Shandong Institute of Commerce&Technology, Jinan, 250103, Shandong, China
*Corresponding author. Email: g636501002@northcm.ac.th
Corresponding Author
Wenjing Wang
Available Online 27 December 2022.
DOI
10.2991/978-94-6463-058-9_82How to use a DOI?
Keywords
Small And Micro Sized Businesses; Big Data Analysis; Credit Decision; Risk AssessmentModel; Post-Epidemic Era
Abstract

In this paper, we select big data information such as credit risk, credit policy and transaction bill information of small and micro businesses , screen enterprises that do not meet the evaluation requirements, establish credit indicators, and evaluate the strength of enterprises. Based on the big data analysis, this paper establishes a correlation regression analysis model, evaluates the relationship between credit and transaction information of enterprises, and gives the optimal credit decision scheme model. By collecting the impact of COVID-19 epidemic on different types of enterprises, the small and medium-sized enterprises selected as the research object in this paper are divided into six categories, and their different impact indexes are obtained,Then, 302 enterprises are classified according to their size, and their resistance to sudden factors is established,The possible sudden factors are analyzed, and the corresponding adjustment suggestions for their credit strategies in the post-epidemic era are given.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2nd International Conference on Internet, Education and Information Technology (IEIT 2022)
Series
Advances in Computer Science Research
Publication Date
27 December 2022
ISBN
10.2991/978-94-6463-058-9_82
ISSN
2352-538X
DOI
10.2991/978-94-6463-058-9_82How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Wenjing Wang
PY  - 2022
DA  - 2022/12/27
TI  - Credit Decision of Small and Micro-sized Businesses Based on Big Data Analysis
BT  - Proceedings of the 2nd International Conference on Internet, Education and Information Technology (IEIT 2022)
PB  - Atlantis Press
SP  - 501
EP  - 506
SN  - 2352-538X
UR  - https://doi.org/10.2991/978-94-6463-058-9_82
DO  - 10.2991/978-94-6463-058-9_82
ID  - Wang2022
ER  -