Vol. 5 No. 2 (2025): July−December 2025
Articles

Research on Intelligent Credit Risk Assessment Methods for Small and Micro Enterprises Based on Multi-source Data Fusion

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  • Arti Shukla
Arti Shukla
Uttar Pradesh university of technology, India

Published 2025-12-16

Keywords

  • Credit Risk Assessment,
  • Small and Micro Enterprises,
  • Multi-source Data Fusion,
  • Feature Engineering

How to Cite

Shukla, A. (2025). Research on Intelligent Credit Risk Assessment Methods for Small and Micro Enterprises Based on Multi-source Data Fusion. Spectrum of Research, 5(2). Retrieved from https://spectrumofresearch.com/index.php/sr/article/view/47

Copyright (c) 2025 Spectrum of Research

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Abstract

Small and micro enterprises (SMEs) play a critical role in economic development but face significant challenges in accessing credit due to information asymmetry and limited credit history. Traditional credit risk assessment methods rely heavily on financial statements and collateral, which are often insufficient for evaluating SMEs. This paper proposes an intelligent credit risk assessment approach that integrates multi-source data including financial metrics, transactional behaviors, alternative data sources, and market signals. The methodology employs advanced feature extraction techniques to capture diverse risk indicators from heterogeneous data streams. Through comprehensive experiments on real-world datasets, the proposed approach demonstrates superior performance in identifying high-risk borrowers while maintaining low false alarm rates. The results indicate significant improvements in prediction accuracy compared to conventional methods, with practical implications for enhancing financial inclusion and reducing default rates in SME lending. The integration of behavioral patterns and alternative data provides more comprehensive risk profiles, enabling financial institutions to make more informed lending decisions.

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