电力客户缴费行为的动态信用评价实证分析

摘要

This paper proposes a realizable dynamic credit score metric algorithm based on studies of credit assessment indicators and payment data of current electricity customers to reveal the essence of complex payment behavior. It effectively distinguishes different types of payment and the credit profiles of different customers. By analysis of the payment data of one municipal electric power customers in Hunan province,the dynamic credit assessment method proposed above is applied,and it is proved to be scientifically valid.%针对目前电力客户欠费回收问题，文中研究信用评估指标，并结合目前电力客户缴费数据，提出一种变现动态信用分值度量算法，揭示复杂的缴费行为的实质，有效区分不同缴费类型，进而有效区分不同客户的信用状况。同时通过对湖南省某地市电力客户缴费数据进行挖掘分析，给出动态信用评价方法实证分析，有效验证该信用评估方法的科学性、合理性。