Discrimination model of account sale decision-making risk degrees on the basis of different information acquisition degrees

SUN Qing-wen, ZHANG Qiong-qiong, QIUJing-li, WANG Xiao-jun

Systems Engineering - Theory & Practice ›› 2012, Vol. 32 ›› Issue (1) : 41-48.

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Systems Engineering - Theory & Practice ›› 2012, Vol. 32 ›› Issue (1) : 41-48. DOI: 10.12011/1000-6788(2012)1-41

Discrimination model of account sale decision-making risk degrees on the basis of different information acquisition degrees

  • SUN Qing-wen1, ZHANG Qiong-qiong1, QIUJing-li1, WANG Xiao-jun2
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Abstract

Market economy presented a kind of phenomenon that the opportunities may be lost at any time. Enterprises need to choose the best investigation method in limited time, in order to acquire more information to make credit decisions more accurately. It is of great significance for enterprise in the situation. This article regards the problem of account sale decision-making in incomplete information state as a discrete time, continuous state stochastic process. The article establishes a model of customer credit evaluation on the basis of different information acquisition degrees. The model borrows some ideas from the method of spatial analysis. Then the article references the thought of discriminatory analysis to discriminate the accuracy of the customer credit evaluation in incomplete information state. At last, the article works out the expected profit of account sale by borrowing the thought of risk decision. The whole process is based on taking full account of the effect of different investigation methods on discrimination accuracy of customer credit rating within the limited time. At the end of the article, an example is given to show the practicality of the model.

Key words

account sale / decision-making risk degree / accuracy of credit assessment / information measure / selection of investigation methods

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SUN Qing-wen, ZHANG Qiong-qiong, QIUJing-li, WANG Xiao-jun. Discrimination model of account sale decision-making risk degrees on the basis of different information acquisition degrees. Systems Engineering - Theory & Practice, 2012, 32(1): 41-48 https://doi.org/10.12011/1000-6788(2012)1-41

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