A Study on Early Warning Mechanism of Enterprise Credit Risk Management based on Bayesian Mode

摘要

The haze of economic crisis has not dropped off, and the enterprises still are faced with a big challenge due to the fierce market competition. In order not to miss any chance, enterprises usually operate by using credit pattern at each payment, which brings hidden dangers for the occurrence of bad and doubtful debts. To limit such risks, it is needed to establish an early warning system. From the perspectives of both organizational guarantee of risk management and forecasting techniques, the discussion on early earning mechanism has been made by the author using Bayesian Model in the hope of helping the enterprises to predict and reduce the risks of credit transactions through this mechanism.