Research on Credit Risk Assessment Model of Enterprises’ Unpaid Electricity Charge Based on Machine Learning Method

Abstract

Based on machine learning methods and employing credit big data, this paper explores the idea of constructing a credit risk assessment model for enterprises’ unpaid electricity charges, proposes a system of indicators affecting the risk of unpaid electricity charges, and elaborates on the path of screening key indicators. In this regard, a method for calculating the credit risk score of enterprises’ unpaid electricity charges is given, and suggestions are provided for risk response strategies.