CN105469308A - Financing risk evaluation system and method of middle and small-sized enterprises - Google Patents
Financing risk evaluation system and method of middle and small-sized enterprises Download PDFInfo
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Abstract
The invention discloses a financing risk evaluation system of middle and small-sized enterprises. A legal person credit calculation module is connected with a first data collector; a payment credit calculation module is connected with a second data collector; the credit calculation module is connected with the legal person credit calculation module and the payment credit module; a trusted judgment module is connected with a third data collector and a fourth data collector; a repayment capability calculation module is connected with the trusted judgment module; an industry risk rate calculation module and a fifth data collector are connected; a partner credit calculation module is connected with a sixth data collector; and a financing risk calculation module is connected with the credit calculation module, the repayment capability calculation module, the industry risk rate calculation module and the partner credit calculation module. The financing risk evaluation system can accurately evaluate the financing risks of the middle and small-sized enterprises.
Description
Technical field
The present invention relates to risk assessment technology field, particularly relate to a kind of Financing risk evaluating system and method.
Background technology
Medium-sized and small enterprises are economic units all smaller in staff size, asset size and scale of operation compared with the large enterprises of the industry.This type of enterprise usually can be provided with funds by single people or a few peoples and form, and it employs number and the sales volume is neither large, is therefore directly managed by owner mostly in operation, less by extraneous interference.Medium-sized and small enterprises be implement popular to start an undertaking, the important carrier of millions of people innovation, creating more jobs, boost economic growth, there is irreplaceable effect in scientific and technical innovation and social harmony are stablized etc., to national economy and social development, there is important strategic importance.
But medium-sized and small enterprises are but faced with the problem of financing difficulties in the process of development, this is mainly because the development time of medium-sized and small enterprises is shorter, various data are less, especially the historical data accumulation of same financial institution to medium-sized and small enterprises is less, and financial institution most information in the process assessed medium-sized and small enterprises is all direct obtains from medium-sized and small enterprises, part medium-sized and small enterprises provide the information that is beneficial to oneself as far as possible to obtain loan as early as possible and do not provide or provide on a small quantity the information being unfavorable for oneself, this information asymmetry can strengthen the lending risk of financial institution.How carrying out financing risk assessment accurately to medium-sized and small enterprises is one of financial institution's major issue urgently to be resolved hurrily.
Summary of the invention
Based on the technical matters that background technology exists, the present invention proposes a kind of Financing risk evaluating system.
A kind of Financing risk evaluating system that the present invention proposes, comprises the first data acquisition unit, the second data acquisition unit, the 3rd data acquisition unit, the 4th data acquisition unit, the 5th data acquisition unit, the 6th data acquisition unit, legal person's credit computing module, disbursement letter computing module, credit computing module, credible judge module, loan repayment capacity computing module, Industry risk rate computing module, partner's credit computing module, financing risk computing module and report generation module;
First data acquisition unit is for gathering the information relevant to the credit of business entity to be assessed; Legal person's credit computing module is electrically connected with the first data acquisition unit, and it is for calculating business entity's credit value to be assessed;
Second data acquisition unit is for gathering the payment information of enterprise to be assessed in process of exchange; Disbursement letter computing module is electrically connected with the second data acquisition unit, its for the information that collects according to the second data acquisition unit to the disbursement letter of enterprise to be assessed with calculating;
Credit computing module and legal person's credit computing module, pay credit block and be electrically connected, it is for calculating business standing according to the payment credit value of business entity's credit value to be assessed and enterprise to be assessed;
3rd data acquisition unit is for gathering the internal finance information of enterprise to be assessed; 4th data acquisition unit is used for gathering Transaction Information according to the internal finance information of enterprise to be assessed from the counterparty with enterprise to be assessed; Credible judge module is electrically connected with the 3rd data acquisition unit, the 4th data acquisition unit, and it carries out credible judgement for the information collected according to the 4th data acquisition unit at least part of data that the 3rd data acquisition unit collects; Loan repayment capacity computing module is electrically connected with credible judge module, and it is for calculating according to the loan repayment capacity of data to enterprise to be assessed after credible judge module judgement;
5th data acquisition unit borrows refund information for the history gathering the enterprise identical with enterprise to be assessed main business; Industry risk rate computing module is electrically connected with the 5th data acquisition unit, and it calculates the financing risk rate of enterprise to be assessed place industry for the data collected according to the 5th data acquisition unit;
6th data acquisition unit wants the history of user to borrow refund information for gathering corporate boss to be assessed; Partner's credit computing module is electrically connected with the 6th data acquisition unit, and it calculates for the credit value of data to the partner of enterprise to be assessed collected according to the 6th data acquisition unit;
Financing risk computing module is electrically connected with credit computing module, loan repayment capacity computing module, Industry risk rate computing module, partner's credit computing module, and it is for calculating the financing risk of enterprise to be assessed;
Report generation module generates assessment report according to the result of calculation of financing risk computing module.
Preferably, the information that the credit of business entity to be assessed is relevant comprises legal person's overdraft of credit card and refund information.
Preferably, credit computing module is weighted summation according to the payment credit value of weighted value to business entity's credit value to be assessed and enterprise to be assessed preset.
Preferably, the information that credible judge module collects according to the 4th data acquisition unit calculates at least part of data message that the 3rd data acquisition unit collects, and the corresponding informance that result of calculation and the 3rd data acquisition unit collect is compared, judge that whether the information that the 3rd data acquisition unit collects is credible according to comparative result.
Preferably, the data message that Industry risk rate computing module collects according to the 5th data acquisition unit to the overall expired loan principal and interest amount of enterprise to be assessed place industry, refund amount, bad credit amount, postpone refund amount, and according to these data calculate enterprise to be assessed place industry refund rate on time, postpone refund rate and bad credit rate.
Preferably, partner's credit computing module does not postpone according to refund amount, history of enterprise's history loan limit of business tie-up to be assessed, history on time the credit value that refund amount calculates enterprise to be assessed.
Preferably, financing risk meter module respectively by the credit value of enterprise and the credit value of partner by normalized by between credit value consolidation to 0-1, then to calculate by following formula,
S＝A×(1-ω)×a×(1-ρ)
Wherein, S is the assessment result of enterprise to be assessed;
A is the result of calculation of loan repayment capacity computing module;
A is the credit value after normalized;
ω is the result of calculation of Industry risk rate computing module;
ρ is the partner's credit value after normalized.
The invention allows for a kind of Financing methods of risk assessment, comprise the following steps,
Gather the relevant data message to business entity to be assessed, and calculate business entity's credit value to be assessed;
Gather the payment data information of enterprise to be assessed in commercial activity, and calculate the payment credit value of enterprise to be assessed according to payment data information;
According to credit value and the payment credit value of business entity to be assessed, calculate the credit value of enterprise to be assessed;
Enterprises financial information is gathered from enterprise to be assessed, Transaction Information is gathered from the counterparty of enterprise to be assessed, and according to Transaction Information, at least part of enterprises financial information is compared, and according to comparative result, credible judgement is carried out to enterprises financial information;
The loan repayment capacity value of enterprise to be assessed is calculated according to the enterprises financial information through credible judgement;
Obtain the enterprise history identical with enterprise to be assessed main business and borrow refund data, and calculate entirety refund rate on time and bad credit rate;
According to entirety refund rate on time and bad credit rate, calculate the overall risk rate of enterprise to be assessed place industry;
Obtain the main business cooperative enterprise list of enterprise to be assessed, the history gathering the partner of each and enterprise to be assessed borrows refund information, calculates partner's relative risk;
Calculate according to the overall risk rate of the credit value of enterprise to be assessed, loan repayment capacity value, enterprise to be assessed place industry and the comprehensive financing risk of partner's relative risk to enterprise to be assessed, and generate assessment report according to result of calculation.
Compared with prior art, the present invention has following beneficial effect:
The present invention first by calculating business entity's credit to be assessed, disbursement letter in process of exchange is used, and according to these data, comprehensive assessment is carried out to the credit of enterprise to be assessed, because most of decision-makings of medium-sized and small enterprises are all directed to legal person, therefore use can accurately assess the credit of medium-sized and small enterprises by the credit of comprehensive business entity to be assessed and the disbursement letter of enterprise to be assessed.Credit simultaneously in conjunction with the credit of enterprise to be assessed, loan repayment capacity, Industry risk rate and partner carries out COMPREHENSIVE CALCULATING, can assess accurately the financing risk of enterprise to be assessed.In addition, can assess enterprises financial information to be assessed owing to being provided with credible judge module in the present system, so can improve assessment institute according to the validity of information, be conducive to improving the accuracy assessed.
Accompanying drawing explanation
Fig. 1 is the structural representation of a kind of Financing risk evaluating system that the present invention proposes;
Fig. 2 is the flow chart of steps of a kind of Financing methods of risk assessment that the present invention proposes.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with accompanying drawing, specific embodiment is described in detail.
As shown in Figure 1, Fig. 1 is a kind of Financing risk evaluating system that the present invention proposes, and it is characterized in that: comprise the first data acquisition unit, the second data acquisition unit, the 3rd data acquisition unit, the 4th data acquisition unit, the 5th data acquisition unit, the 6th data acquisition unit, legal person's credit computing module, disbursement letter computing module, credit computing module, credible judge module, loan repayment capacity computing module, Industry risk rate computing module, partner's credit computing module, financing risk computing module and report generation module;
First data acquisition unit is for gathering the information relevant to the credit of business entity to be assessed; The information that the credit of business entity to be assessed is relevant comprises legal person's overdraft of credit card and refund information.Legal person's credit computing module is electrically connected with the first data acquisition unit, and it is for calculating business entity's credit value to be assessed;
Second data acquisition unit is for gathering the payment information of enterprise to be assessed in process of exchange; Disbursement letter computing module is electrically connected with the second data acquisition unit, its for the information that collects according to the second data acquisition unit to the disbursement letter of enterprise to be assessed with calculating;
Credit computing module and legal person's credit computing module, pay credit block and be electrically connected, it is for calculating business standing according to the payment credit value of business entity's credit value to be assessed and enterprise to be assessed.During concrete enforcement, credit computing module is weighted summation according to the payment credit value of weighted value to business entity's credit value to be assessed and enterprise to be assessed preset.So, can calculate the credit value of enterprise to be assessed more accurately for the feature of medium-sized and small enterprises, when specifically implementing, the scale of enterprise to be assessed is less, and the weight shared by business entity's credit value to be assessed is larger.
3rd data acquisition unit is for gathering the internal finance information of enterprise to be assessed; 4th data acquisition unit is used for gathering Transaction Information according to the internal finance information of enterprise to be assessed from the counterparty with enterprise to be assessed; Credible judge module is electrically connected with the 3rd data acquisition unit, the 4th data acquisition unit, and it carries out credible judgement for the information collected according to the 4th data acquisition unit at least part of data that the 3rd data acquisition unit collects; During concrete enforcement, the information that credible judge module collects according to the 4th data acquisition unit calculates at least part of data message that the 3rd data acquisition unit collects, and the corresponding informance that result of calculation and the 3rd data acquisition unit collect is compared, judge that whether the information that the 3rd data acquisition unit collects is credible according to comparative result.So assess by the internal finance information of credible judge module to enterprise to be assessed, so, the confidence level of the financial data information of enterprise to be assessed can be ensured, and improve the accuracy of enterprise to be assessed.Loan repayment capacity computing module is electrically connected with credible judge module, and it is for calculating according to the loan repayment capacity of data to enterprise to be assessed after credible judge module judgement.The index of loan repayment capacity comprises liquidity rate, current rate, cash ratio, cash liquidity rate.Wherein liquidity rate is current assets to liabilities; Current rate is quick current assets and the ratio of current liability; Cash ratio is the ratio with current liability after quick current assets deduction accounts receivable; Cash liquidity rate is the ratio of business activities net cash flow and current liability.
5th data acquisition unit borrows refund information for the history gathering the enterprise identical with enterprise to be assessed main business; Industry risk rate computing module is electrically connected with the 5th data acquisition unit, and it calculates the financing risk rate of enterprise to be assessed place industry for the data collected according to the 5th data acquisition unit.During concrete enforcement, the data message that Industry risk rate computing module collects according to the 5th data acquisition unit to the overall expired loan principal and interest amount of enterprise to be assessed place industry, refund amount, bad credit amount, postpone refund amount, and according to these data calculate enterprise to be assessed place industry refund rate on time, postpone refund rate and bad credit rate.
6th data acquisition unit wants the history of user to borrow refund information for gathering corporate boss to be assessed; Partner's credit computing module is electrically connected with the 6th data acquisition unit, and it calculates for the credit value of data to the partner of enterprise to be assessed collected according to the 6th data acquisition unit.During concrete enforcement, partner's credit computing module does not postpone according to refund amount, history of enterprise's history loan limit of business tie-up to be assessed, history on time the credit value that refund amount calculates enterprise to be assessed.
Financing risk computing module is electrically connected with credit computing module, loan repayment capacity computing module, Industry risk rate computing module, partner's credit computing module, and it is for calculating the financing risk of enterprise to be assessed.During concrete enforcement, financing risk meter module respectively by the credit value of enterprise and the credit value of partner by normalized by between credit value consolidation to 0-1, then to calculate by following formula,
S＝A×(1-ω)×a×(1-ρ)
Wherein, S is the assessment result of enterprise to be assessed; A is the result of calculation of loan repayment capacity computing module; A is the credit value after normalized; ω is the result of calculation of Industry risk rate computing module; ρ is the partner's credit value after normalized.
Report generation module generates assessment report according to the result of calculation of financing risk computing module.
The invention allows for a kind of Financing methods of risk assessment, as shown in Figure 2, Fig. 2 is the flow chart of steps of a kind of Financing methods of risk assessment that the present invention proposes.Comprise the following steps,
Gather the relevant data message to business entity to be assessed, and calculate business entity's credit value to be assessed.
Gather the payment data information of enterprise to be assessed in commercial activity, and calculate the payment credit value of enterprise to be assessed according to payment data information.
According to credit value and the payment credit value of business entity to be assessed, calculate the credit value of enterprise to be assessed;
Enterprises financial information is gathered from enterprise to be assessed, Transaction Information is gathered from the counterparty of enterprise to be assessed, and according to Transaction Information, at least part of enterprises financial information is compared, and according to comparative result, credible judgement is carried out to enterprises financial information;
The loan repayment capacity value of enterprise to be assessed is calculated according to the enterprises financial information through credible judgement;
Obtain the enterprise history identical with enterprise to be assessed main business and borrow refund data, and calculate entirety refund rate on time and bad credit rate;
According to entirety refund rate on time and bad credit rate, calculate the overall risk rate of enterprise to be assessed place industry;
Obtain the main business cooperative enterprise list of enterprise to be assessed, the history gathering the partner of each and enterprise to be assessed borrows refund information, calculates partner's relative risk;
Calculate according to the overall risk rate of the credit value of enterprise to be assessed, loan repayment capacity value, enterprise to be assessed place industry and the comprehensive financing risk of partner's relative risk to enterprise to be assessed, and generate assessment report according to result of calculation.
The present invention first by calculating business entity's credit to be assessed, disbursement letter in process of exchange is used, and according to these data, comprehensive assessment is carried out to the credit of enterprise to be assessed, because most of decision-makings of medium-sized and small enterprises are all directed to legal person, therefore use can accurately assess the credit of medium-sized and small enterprises by the credit of comprehensive business entity to be assessed and the disbursement letter of enterprise to be assessed.Credit simultaneously in conjunction with the credit of enterprise to be assessed, loan repayment capacity, Industry risk rate and partner carries out COMPREHENSIVE CALCULATING, can assess accurately the financing risk of enterprise to be assessed.In addition, can assess enterprises financial information to be assessed owing to being provided with credible judge module in the present system, so can improve assessment institute according to the validity of information, be conducive to improving the accuracy assessed.
The above; be only the present invention's preferably embodiment; but protection scope of the present invention is not limited thereto; anyly be familiar with those skilled in the art in the technical scope that the present invention discloses; be equal to according to technical scheme of the present invention and inventive concept thereof and replace or change, all should be encompassed within protection scope of the present invention.
Claims (8)
1. a Financing risk evaluating system, is characterized in that: comprise the first data acquisition unit, the second data acquisition unit, the 3rd data acquisition unit, the 4th data acquisition unit, the 5th data acquisition unit, the 6th data acquisition unit, legal person's credit computing module, disbursement letter computing module, credit computing module, credible judge module, loan repayment capacity computing module, Industry risk rate computing module, partner's credit computing module, financing risk computing module and report generation module;
First data acquisition unit is for gathering the information relevant to the credit of business entity to be assessed; Legal person's credit computing module is electrically connected with the first data acquisition unit, and it is for calculating business entity's credit value to be assessed;
Second data acquisition unit is for gathering the payment information of enterprise to be assessed in process of exchange; Disbursement letter computing module is electrically connected with the second data acquisition unit, its for the information that collects according to the second data acquisition unit to the disbursement letter of enterprise to be assessed with calculating;
Credit computing module and legal person's credit computing module, pay credit block and be electrically connected, it is for calculating business standing according to the payment credit value of business entity's credit value to be assessed and enterprise to be assessed;
3rd data acquisition unit is for gathering the internal finance information of enterprise to be assessed; 4th data acquisition unit is used for gathering Transaction Information according to the internal finance information of enterprise to be assessed from the counterparty with enterprise to be assessed; Credible judge module is electrically connected with the 3rd data acquisition unit, the 4th data acquisition unit, and it carries out credible judgement for the information collected according to the 4th data acquisition unit at least part of data that the 3rd data acquisition unit collects; Loan repayment capacity computing module is electrically connected with credible judge module, and it is for calculating according to the loan repayment capacity of data to enterprise to be assessed after credible judge module judgement;
5th data acquisition unit borrows refund information for the history gathering the enterprise identical with enterprise to be assessed main business; Industry risk rate computing module is electrically connected with the 5th data acquisition unit, and it calculates the financing risk rate of enterprise to be assessed place industry for the data collected according to the 5th data acquisition unit;
6th data acquisition unit wants the history of user to borrow refund information for gathering corporate boss to be assessed; Partner's credit computing module is electrically connected with the 6th data acquisition unit, and it calculates for the credit value of data to the partner of enterprise to be assessed collected according to the 6th data acquisition unit;
Financing risk computing module is electrically connected with credit computing module, loan repayment capacity computing module, Industry risk rate computing module, partner's credit computing module, and it is for calculating the financing risk of enterprise to be assessed;
Report generation module generates assessment report according to the result of calculation of financing risk computing module.
2. Financing risk evaluating system according to claim 1, is characterized in that: the information that the credit of business entity to be assessed is relevant comprises legal person's overdraft of credit card and refund information.
3. Financing risk evaluating system according to claim 1, is characterized in that: credit computing module is weighted summation according to the payment credit value of weighted value to business entity's credit value to be assessed and enterprise to be assessed preset.
4. Financing risk evaluating system according to claim 1, it is characterized in that: the information that credible judge module collects according to the 4th data acquisition unit calculates at least part of data message that the 3rd data acquisition unit collects, and the corresponding informance that result of calculation and the 3rd data acquisition unit collect is compared, judge that whether the information that the 3rd data acquisition unit collects is credible according to comparative result.
5. Financing risk evaluating system according to claim 1, it is characterized in that: the data message that Industry risk rate computing module collects according to the 5th data acquisition unit to the overall expired loan principal and interest amount of enterprise to be assessed place industry, refund amount, bad credit amount, postpone refund amount, and according to these data calculate enterprise to be assessed place industry refund rate on time, postpone refund rate and bad credit rate.
6. Financing risk evaluating system according to claim 1, is characterized in that: partner's credit computing module does not postpone according to refund amount, history of enterprise's history loan limit of business tie-up to be assessed, history on time the credit value that refund amount calculates enterprise to be assessed.
7. Financing risk evaluating system according to claim 1, it is characterized in that: financing risk meter module respectively by the credit value of enterprise and the credit value of partner by normalized by between credit value consolidation to 0-1, calculate by following formula again
S＝A×(1-ω)×a×(1-ρ)
Wherein, S is the assessment result of enterprise to be assessed; A is the result of calculation of loan repayment capacity computing module; A is the credit value after normalized; ω is the result of calculation of Industry risk rate computing module; ρ is the partner's credit value after normalized.
8. a Financing methods of risk assessment, is characterized in that: comprise the following steps,
Gather the relevant data message to business entity to be assessed, and calculate business entity's credit value to be assessed;
Gather the payment data information of enterprise to be assessed in commercial activity, and calculate the payment credit value of enterprise to be assessed according to payment data information;
According to credit value and the payment credit value of business entity to be assessed, calculate the credit value of enterprise to be assessed;
Enterprises financial information is gathered from enterprise to be assessed, Transaction Information is gathered from the counterparty of enterprise to be assessed, and according to Transaction Information, at least part of enterprises financial information is compared, and according to comparative result, credible judgement is carried out to enterprises financial information;
The loan repayment capacity value of enterprise to be assessed is calculated according to the enterprises financial information through credible judgement;
Obtain the enterprise history identical with enterprise to be assessed main business and borrow refund data, and calculate entirety refund rate on time and bad credit rate;
According to entirety refund rate on time and bad credit rate, calculate the overall risk rate of enterprise to be assessed place industry;
Obtain the main business cooperative enterprise list of enterprise to be assessed, the history gathering the partner of each and enterprise to be assessed borrows refund information, calculates partner's relative risk;
Calculate according to the overall risk rate of the credit value of enterprise to be assessed, loan repayment capacity value, enterprise to be assessed place industry and the comprehensive financing risk of partner's relative risk to enterprise to be assessed, and generate assessment report according to result of calculation.
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153993A (en) * | 2017-04-19 | 2017-09-12 | 畅捷通信息技术股份有限公司 | The realization method and system of big data financial platform |
| CN109377015A (en) * | 2018-09-26 | 2019-02-22 | 东莞幻鸟新材料有限公司 | A kind of smart grid construction system |
| CN109409892A (en) * | 2017-08-15 | 2019-03-01 | 凡普互金有限公司 | Methods of risk assessment and system |
| CN109859051A (en) * | 2019-01-15 | 2019-06-07 | 国网电子商务有限公司 | A kind of financing method and device |
| CN110070430A (en) * | 2019-03-12 | 2019-07-30 | 平安科技（深圳）有限公司 | Assess method and device, the storage medium, electronic equipment of refund risk |
| CN110246032A (en) * | 2019-06-21 | 2019-09-17 | 深圳前海微众银行股份有限公司 | Risk monitoring and control method, apparatus and computer readable storage medium after loan |
-
2015
- 2015-12-24 CN CN201510998410.4A patent/CN105469308A/en not_active Withdrawn
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153993A (en) * | 2017-04-19 | 2017-09-12 | 畅捷通信息技术股份有限公司 | The realization method and system of big data financial platform |
| CN109409892A (en) * | 2017-08-15 | 2019-03-01 | 凡普互金有限公司 | Methods of risk assessment and system |
| CN109377015A (en) * | 2018-09-26 | 2019-02-22 | 东莞幻鸟新材料有限公司 | A kind of smart grid construction system |
| CN109859051A (en) * | 2019-01-15 | 2019-06-07 | 国网电子商务有限公司 | A kind of financing method and device |
| CN110070430A (en) * | 2019-03-12 | 2019-07-30 | 平安科技（深圳）有限公司 | Assess method and device, the storage medium, electronic equipment of refund risk |
| CN110246032A (en) * | 2019-06-21 | 2019-09-17 | 深圳前海微众银行股份有限公司 | Risk monitoring and control method, apparatus and computer readable storage medium after loan |
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Application publication date: 20160406 |