关键词: 多源数据, 信用评分, 整合分析, 线性回归, SPSS 分析

Abstract: In order to solve the problem of multiple and complex data sources for the credit degree of enterprise,a new method based on the traditional linear regression method is proposed to evaluate the credit degree of enterprise. Then, the obtained credit value of enterprise can effectively define the reliability of the enterprise. To calculate the average value of several important parameters from the enterprise, we can obtain the balance value of the credit rating for enterprise. Because the improved linear regression reduces low-impact parameters, it optimizes the errors generated by the traditional linear regression method and accurately calculates the creditworthiness of the enterprise. The experiment is shown that the improved linear regression is generally better than the traditional linear regression in the evaluation process of enterprise credit. In particular, it requires a small number of variables to achieve similar results, and produces the better classification efficiency.

Key words: multi-source data, credit score, integrated analysis, linear regression, statistical product and service solutions (SPSS) analysis