DEEP LEARNING BASED CORPORATE CREDIT RATING SERVER AND CORPORATE CREDIT RATING METHOD USING SAME

摘要

According to an embodiment of the present invention, a deep learning based corporate credit rating method comprises: a corporate valuation model forming step of generating a corporate credit determination model through deep learning based on at least one of internal credit information which is related to an internal indicator of a corporation and is necessary to determine whether a credit is granted to the corporation and external credit information which is related to an external indicator of the corporation and is necessary to determine whether the credit is granted to the corporation; and a corporate credit rating step of performing corporate credit rating by inputting, into the corporate credit determination model, at least one of internal credit information of interest which is related to an internal indicator of the corporation to be evaluated and is necessary to determine whether the credit is granted to the corporation to be evaluated and external credit information of interest which is related to an external indicator of the corporation to be evaluated and is necessary to determine whether the credit is granted to the corporation to be evaluated. According to the present invention, risks due to misjudgment of RMs in financial institutions can be minimized.;COPYRIGHT KIPO 2020