Author(s)

Tang Liyao, Li Xiang, Gu Chao

Corresponding Author

Tang Liyao

ABSTRACT

Based on the study of the real motivation of Chinese financial venture capital, this paper establishes the joint venture capital motivation, which includes financial motivation, resource motivation and transaction flow motivation, and takes it as an exogenous latent variable. the investment institutions with joint venture capital background on gem are selected to conduct a questionnaire survey, and the motivation of joint venture capital is empirically tested by partial least square method. At the same time, taking the problem of customer default in the current bank credit business as the starting point, the relationship between customer default rate and credit score card score is reasonably mapped. The prediction model is established by logical regression, and the data is analyzed, then the data set is divided, and the cross-time verification set is used as the final verification of the model. Finally, the KS value and AOC curve are used to evaluate the stability of the model. The experimental results show that the scorecard model constructed by the proposed method has good stability.

KEYWORDS

Venture capital, motivation index, principal level regression, joint motivation, machine learning