基于朴素贝叶斯的供应链金融信用风险预测分析

“供应链金融”是近年来金融机构针对供应链上下游企业提供的一种全新的金融服务．这项业务在金融机构方面也存在一定的风险。针对由贷款企业造成的信用风险，文章利用朴素贝叶斯技术预测申请贷款企业的还款风险．金融机构能据此识别不同企业，并针对不同还款能力的企业制定不同的金融政策以控制和规避金融风险。

Supply Chain Finance Credit Risk Forecast Based on Plain Bayes

Supply chain finance is a new finance service that financial institutions supply to the upstream and downstream enterprises in recent years. This business in the financial institutions also exist a certain degree of risk. To the credit risk caused by the lending business, in this paper, we use Bayes technology to forecast the repayment risk of the loan company. The financial institution could distinguish from different companies on this forecast. They also could formulate the financial policies to guard aga...