CN113469483A - Natural person operation risk scoring method, system and equipment - Google Patents
Natural person operation risk scoring method, system and equipment Download PDFInfo
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Abstract
The invention relates to a method, a system and equipment for scoring operation risk of natural people, which comprises the following steps: receiving identity information of a natural person and inquiring enterprise information according to the identity information; extracting risk events according to the enterprise information; performing risk assessment on the risk event according to a preset scoring rule; constructing a qualification factor according to the enterprise information; calculating an enterprise risk value according to the enterprise risk evaluation value and the qualification factor; extracting a law rule with punishment measures on the roles of the enterprise; carrying out grade evaluation on the role punishment events according to a preset punishment grade; calculating a role risk weight sequence according to the role punishment grade; and calculating the operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence. In the technical scheme of the invention, the method has extremely wide coverage, namely, any natural person who has a camping behavior can be evaluated; the method is based on establishing a scale for evaluating the operating risk of natural people nationwide, and has wide application value.
Description
Technical Field
The invention relates to the field of evaluation of natural person operation capacity, in particular to a natural person operation risk scoring method and system based on enterprise risk, a readable storage medium and computer equipment.
Background
At present, the number of nationwide industrial and commercial enterprises exceeds 4000 million, and the number of individual industrial and commercial enterprises exceeds 1.3 hundred million. The social activities of these enterprises are essentially generated by the operations of the natural people behind the enterprises. The produced results are different, some enterprises operate well, and some enterprises are in failure to produce and settle accounts. Therefore, different natural persons can have different operation capacities, and in the future taking credit as the basis, the evaluation of the current operation risk of each natural person plays a crucial role in promoting credit business.
In the field of evaluation, there are many enterprise-specific evaluation methods to be applied to various specific business scenarios, but there is no method for determining natural human operational risk without the change of the risk occurrence of a specific enterprise.
Disclosure of Invention
The present invention is directed to solving at least one of the problems of the prior art or the related art.
To this end, the present invention is directed to a natural person operation risk scoring method, system and readable storage medium and computer device capable of evaluating all natural person operation risks without violating the privacy data of the natural persons.
In order to achieve the above object, the technical solution of the first aspect of the present invention provides a natural person operation risk scoring method based on enterprise risk, including the following steps: receiving identity information of a natural person, and inquiring enterprise information corresponding to the natural person according to the identity information; extracting risk events corresponding to each enterprise according to the enterprise information; performing risk assessment on the risk event according to a preset scoring rule to obtain an enterprise risk evaluation value; constructing a qualification factor corresponding to each enterprise according to the enterprise information; calculating an enterprise risk value according to the enterprise risk evaluation value and the qualification factor; according to the national common and the judicial interpretation of the people's republic of China and the judicial interpretation of the national common and the national enterprise broken production method, a law rule with punishment measures on the roles of the enterprises is extracted, and role punishment events are obtained; carrying out grade evaluation on the role punishment event according to a preset punishment grade to obtain a role punishment grade; calculating a role risk weight sequence according to the role punishment grade; and calculating the operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence.
In the technical scheme, identity information of natural people, enterprise information related to the natural people, risk events and the like are designed and evaluated based on nationwide public data such as trades, judicial authorities, environmental protection, customs and the like, so that the condition of invading the privacy of the natural people does not exist; evaluating the operation risk of all natural people on the basis of the data, and simultaneously abandoning the internal data of the enterprise with low coverage; the coverage of natural human objects evaluated by the method is very wide, and the natural human objects comprise any natural human having a camping behavior. The method is based on establishing a scale for evaluating the operating risk of natural people nationwide, and has wide application value.
The risk event is defined as an event generating risk for the enterprise, the risk score of the risk event is given by combining various elements of the risk event, the qualification factor for measuring the enterprise is obtained according to different qualifications of the enterprises, and the risk score of each enterprise is obtained on the basis of considering the risk score and the qualification factor of the risk event. The method evaluates the enterprise risk value based on the current law view angle and the actual operation performance of the enterprise, fully considers the risk association relationship among various risk events related to the enterprise, all elements forming the risk events and qualification factors of the enterprise, and can quantify the risk evaluation result by determining the enterprise risk value, so that the enterprise risk evaluation is more accurate.
Because the natural person operation risk is graded based on the enterprise risk, the enterprise risk needs to be conducted separately according to different roles of the natural person in the enterprise; the enterprise risk weight is from the influence degree of each role on the enterprise operation, the authority and the obligation are matched, and the operational speaking authority is related to the responsibility which each role should bear when the enterprise is in danger. The most authoritative method for describing the responsibility is to quantify the different punishments of each role in the enterprise insurance process by means of laws.
In any of the above technical solutions, preferably, the calculation formula of the operation risk value of the natural person is:
in any of the above technical solutions, preferably, a calculation formula of the role risk weight in the role risk weight sequence is as follows: the role risk weight is the sum of the role punishment grades and the role punishment event number; and/or enterprise risk value (enterprise risk assessment x (1-qualification factor).
The technical scheme of the second aspect of the invention provides a natural person operation risk scoring system based on enterprise risk, which comprises the following steps: the query module is used for receiving the identity information of the natural person and querying enterprise information corresponding to the natural person according to the identity information; the risk event evaluation module is set to be used for carrying out risk evaluation on the risk event according to a preset grading rule to obtain an enterprise risk evaluation value; the qualification factor construction module is used for constructing a qualification factor corresponding to each enterprise according to the enterprise information; the enterprise risk calculation module is set for calculating an enterprise risk value according to the enterprise risk evaluation value and the qualification factor; the punishment event extraction module is used for extracting a law bar with punishment measures on the roles of the enterprises according to the national common and national justice of China and the judicial interpretation thereof and the enterprise broken production law of the national common and national enterprise to obtain role punishment events; the punishment level evaluation module is used for carrying out level evaluation on the role punishment event according to a preset punishment level to obtain a role punishment level; the risk weight construction module is used for calculating a role risk weight sequence according to the role punishment level; and the natural person operation risk calculation module is set for calculating the operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence.
In the technical scheme, identity information of natural people, enterprise information related to the natural people, risk events and the like are designed and evaluated based on nationwide public data such as trades, judicial authorities, environmental protection, customs and the like, so that the condition of invading the privacy of the natural people does not exist; evaluating the operation risk of all natural people on the basis of the data, and simultaneously abandoning the internal data of the enterprise with low coverage; the coverage of natural human objects evaluated by the method is very wide, and the natural human objects comprise any natural human having a camping behavior. The method also combines the current credit status, thereby establishing a scale for evaluating the natural people operation risk nationwide, and having wide application value.
The risk value of the enterprise is evaluated according to the current law view and the actual operation performance of the enterprise, the risk association relation among various risk events related to the enterprise, all elements forming the risk events and qualification factors of the enterprise is fully considered, and the risk evaluation result can be quantified by determining the risk value of the enterprise, so that the risk evaluation of the enterprise is more accurate. Because the natural person operation risk is graded based on the enterprise risk, the enterprise risk needs to be conducted separately according to different roles of the natural person in the enterprise; the enterprise risk weight is from the influence degree of each role on the enterprise operation, the authority and the obligation are matched, and the operational speaking authority is related to the responsibility which each role should bear when the enterprise is in danger. The most authoritative method for describing the responsibility is to quantify the different punishments of each role in the enterprise insurance process by means of laws.
An aspect of the third aspect of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the natural person operation risk scoring method based on enterprise risk provided by the first aspect.
The technical scheme of the fourth aspect of the invention provides computer equipment, which comprises a storage medium and a processor; a storage medium for storing a computer program; and a processor for executing a computer program to implement the steps of the enterprise risk based natural person operation risk scoring method provided by the technical solution of the first aspect.
Drawings
The above and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a block flow diagram illustrating a method for risk scoring for natural person operation according to an embodiment of the present invention;
FIG. 2 is a block diagram illustrating a system for risk scoring for natural person operation according to an embodiment of the present invention;
FIG. 3 is an exemplary illustration of the distribution of qualification factors across nationwide enterprises in accordance with an embodiment of the present invention;
fig. 4 is an exemplary diagram of distribution of risk values of nationwide enterprise and enterprise according to an embodiment of the present invention.
Detailed Description
In order that the above objects, features and advantages of the present invention can be more clearly understood, a more particular description of the invention will be rendered by reference to the appended drawings. It should be noted that the embodiments and features of the embodiments of the present application may be combined with each other without conflict.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, however, the present invention may be practiced in other ways than those specifically described herein, and therefore the scope of the present invention is not limited to the specific embodiments disclosed below.
Methods, systems, and readable storage media and computer devices for enterprise risk based natural person operation risk scoring according to some embodiments of the present invention are described below with reference to fig. 1-4.
As shown in fig. 1, a natural person operation risk scoring method based on enterprise risk according to an embodiment of the present invention includes the following steps:
s1, receiving identity information of the natural person and inquiring enterprise information corresponding to the natural person according to the identity information;
in this step, the name and identity ID of the natural person are used as input data, and the business information and the business role that the natural person plays in the business are used as output data, such as:
inputting data:
name of natural person | *** |
Identity ID | ****************** |
Outputting data:
and (3) inquiring date: 20200916
And (5) inquiring results:
note: the nationwide enterprise risk distribution based on the rule is shown in the attached figure 4.
S2, extracting risk events corresponding to each enterprise according to the enterprise information;
s3, performing risk assessment on the risk event according to a preset scoring rule to obtain an enterprise risk evaluation value;
s4, constructing qualification factors corresponding to each enterprise according to the enterprise information;
in the step, an enterprise qualification factor is constructed, the value range of the factor is 0-1, and the detailed rule is as follows:
note: the nationwide enterprise qualification factor distribution based on the rule is detailed in figure 3.
And S5, calculating the enterprise risk value according to the enterprise risk evaluation value and the qualification factor.
In this step, the enterprise risk value is calculated according to the formula: enterprise risk values (enterprise risk valuation value) (1-enterprise qualification factor), the following table is obtained:
s6, extracting a law clause with punishment measures on the enterprise roles according to the national common and republic of China and the judicial interpretation thereof and the enterprise broken production law of the national common and republic of China, and obtaining the role punishment events;
in the step, the role risk weight sequence is constructed by quantifying the punishment degree of each role in enterprise insurance exposure based on law. Thus the range of the french is defined as: the "national justice of the people's republic of China" and the explanation of the judicial works thereof, and the "the broken-product law of the people's republic of China's enterprises".
And (4) screening out law slips which are related to the bankruptcy of enterprises and have punishment measures on law makers, high board monitors, real control makers and stockholders by applying natural language processing.
a) Range of the law: justice, justice explanation, enterprise bankruptcy
b) Natural language processing criteria: the law clauses of any subject such as legal representatives, initiators, stakeholders, directors, prisoners, senior managers, and actual controllers are screened out. And judging whether the legal content relates to enterprise risk items, such as risk words of 'bankruptcy', 'debtor', 'compensation', 'fabricated', 'false', 'fine', and 'escape'.
c) The screened legal results are as follows: .
From the above data, the role risk weight sequence results are shown in the following table:
character | Shareholder | Dong supervising high | Real control person | Legal person | Total up to |
Role risk weight | 2.875 | 3.111 | 3.250 | 3.400 | 12.636 |
S7, carrying out grade evaluation on the role punishment event according to a preset punishment grade to obtain a role punishment grade;
in the step, a unit risk weight sequence which is supposed to be born by different roles when the enterprise goes out of danger is obtained by combining the number of the rules and the punishment of each rule on each role.
Role punishment grade standard table:
and evaluating a responsibility degree process table of each role according to the law:
s8, calculating the role risk weight sequence according to the role punishment grade;
and S9, calculating the operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence.
In this step, the enterprise risk value is an enterprise risk evaluation rule constructed based on public data, and the evaluation rule is shown in the following table:
the values of the administrative penalty type points are shown in the following table:
the time coefficients are shown in the following table:
penalty decision date | Time coefficient |
In the last 1 |
1 |
1-3 years old | 0.7 |
For 3-5 years | 0.3 |
For more than 5 |
0 |
Other parameters in the evaluation rule table, such as parameters of the blacklist type score, the time coefficient thereof, the reason score, and the like, are all built-in parameters, and the number of the parameters is large, and is not described herein again.
Further, the risk rating may be based on the magnitude of the enterprise risk value for the risk event, as shown in the following table:
risk event ranking | Indicating risk | Concern about Risk | Early warning level 3 | Early warning level 2 | |
Will be in great risk |
Enterprise risk value range | [0,100] | [100,150] | [150,240] | [240,500] | [500,999] | 999 |
As shown in fig. 2, a natural person operation risk scoring system 100 based on enterprise risk according to an embodiment of the present invention includes:
a query module 10 configured to receive identity information of a natural person and query enterprise information corresponding to the natural person according to the identity information;
the risk event evaluation module 20 is configured to perform risk evaluation on the risk event according to a preset scoring rule to obtain an enterprise risk evaluation value;
a qualification factor construction module 30 configured to construct a qualification factor corresponding to each enterprise according to the enterprise information;
an enterprise risk calculation module 40 configured to calculate an enterprise risk value based on the enterprise risk valuation and the qualification factor;
the punishment event extraction module 50 is set to extract a law strip with punishment measures on the roles of the enterprises according to the national common and national justice of China and the judicial interpretation thereof and the enterprise broken production law of the national common and national enterprise to obtain role punishment events;
a punishment level evaluation module 60 configured to perform level evaluation on the role punishment event according to a preset punishment level to obtain a role punishment level;
a risk weight construction module 70 configured to calculate a character risk weight sequence according to a character punishment level;
and a natural person operation risk calculation module 80 configured to calculate an operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence.
In any of the above embodiments, preferably, the identity information includes at least one of a name and an identity ID; the enterprise information comprises at least one of enterprise name, enterprise state, enterprise role, participation proportion, entry time, exit time, enterprise type, tax payment qualification, industry qualification, registered capital, financing round, accumulated financing amount, stockholder type, stockholder label structure, stockholder qualification, external investment amount, investment enterprise type, investment enterprise quality, intangible asset, financial index and tax index; the enterprise roles comprise at least one of a real controller, a legal person, a director of board and a stockholder, wherein the director of board is a board, a prison and a high-level manager; the risk event comprises at least one of administrative punishment, blacklisting, customs loss of credit, reimbursement, registration status of emigration, operation due, change of responsible person, change of registered capital, record of clearing group member, change of operation range, change of financial responsible person, change of funding proportion, change of member information, change of stockholder, change of real income capital, operation abnormity, serious illegal loss of credit, bankruptcy clearing, judicial assistance, share right pledge, mortgage of working property, debt due, land mortgage, unqualified product spot check, defective product recall, major tax violation, abnormal tax, investment risk, plan information, open notice, executed, lost credit executant, lost credit exposure, judicial auction, official document, final case, price evaluation, debt default and public opinion inquiry.
In any of the above embodiments, preferably, the calculation formula of the natural person operation risk value is:
wherein RisktotalRepresenting the operation risk value of natural people, and the value range is 0-999; risk1(S1,θ,k1) Mean value, S, representing enterprise risk value of natural human stockholders1With a presentation dimension of 1 xk1The enterprise risk value vector of the natural human stockholder, theta represents the dimension of 1 xk1The enterprise of the natural Ren-Dong stock ratio vector thetatTransposed vector expressed as theta vector, i.e. the share ratio, k, of the natural human arbitrary shareholder1The enterprise representing the natural arbitrary stockholder has k1A plurality of; risk2(S2,k2) Mean value, S, representing enterprise risk value of natural human-human2Enterprise risk value, k, representing a natural human-being2The enterprise representing the natural arbitrary stockholder has k2A plurality of; risk3(S3,k3) Mean value of risk values of enterprises, S, representing the supervision of the director of the natural person3An enterprise risk value, k, representing the accredited of the director of nature3Shows that the enterprise with natural person and director has k3A plurality of; risk4(S4,k4) Mean value, S, representing the enterprise risk value of the real control of the natural person4Enterprise risk value, k, representing the real person of the natural person4The enterprise expressing the real control of the natural person has k4A plurality of; w is a1、w2、w3、w4Respectively representing the role risk weight sequences of different enterprise roles; t isiA business indicates whether a natural person has a type i role, 1 indicates yes, and 0 indicates no.
In this embodiment, the risk average of each role is calculated according to the data in each table:
mean of business risk values for anystockholder:
mean of enterprise risk values for anybody:
mean Risk of enterprise Risk values monitored by director3(S3,k3)=0;
Calculating the operation risk value of the natural person:
in any of the above embodiments, preferably, the calculation formula of the role risk weight in the role risk weight sequence is:
role risk weight is the sum of the role punishment levels divided by the number of role punishment events.
Based on the method shown in fig. 1, correspondingly, the present application further provides a readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the enterprise risk based natural person operation risk scoring method according to any of the embodiments.
Based on such understanding, the technical solution of the present application may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.), and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method of the embodiments of the present application.
Based on the method shown in fig. 1 and the virtual device embodiment shown in fig. 2, in order to achieve the above object, an embodiment of the present application further provides a computer device, which is characterized by comprising a storage medium and a processor; a storage medium for storing a computer program; a processor for executing a computer program to implement the steps of the enterprise risk based natural person operation risk scoring method of any of the above embodiments.
Optionally, the computer device may also include a user interface, a network interface, a camera, Radio Frequency (RF) circuitry, sensors, audio circuitry, a WI-FI module, and so forth. The user interface may include a Display screen (Display), an input unit such as a keypad (Keyboard), etc., and the optional user interface may also include a USB interface, a card reader interface, etc. The network interface may optionally include a standard wired interface, a wireless interface (e.g., a bluetooth interface, WI-FI interface), etc.
It will be appreciated by those skilled in the art that the present embodiment provides a computer device architecture that is not limiting of the computer device, and that may include more or fewer components, or some components in combination, or a different arrangement of components.
The storage medium may further include an operating system and a network communication module. An operating system is a program that manages and maintains the hardware and software resources of a computer device, supporting the operation of information handling programs, as well as other software and/or programs. The network communication module is used for realizing communication among components in the storage medium and other hardware and software in the entity device.
In the description herein, the description of the terms "one embodiment," "some embodiments," "specific embodiments," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (6)
1. A natural person operation risk scoring method based on enterprise risk is characterized by comprising the following steps:
receiving identity information of the natural person, and inquiring enterprise information corresponding to the natural person according to the identity information;
extracting risk events corresponding to each enterprise according to the enterprise information;
performing risk assessment on the risk event according to a preset scoring rule to obtain an enterprise risk evaluation value;
constructing qualification factors corresponding to each enterprise according to the enterprise information;
calculating the enterprise risk value according to the enterprise risk evaluation value and the qualification factor;
according to the national common and judicial laws of the people's republic of China and the judicial interpretation thereof, and the broken production laws of the enterprises of the people's republic of China, a law bar with punishment measures on the roles of the enterprises is extracted, and the role punishment events are obtained;
performing grade evaluation on the role punishment event according to a preset punishment grade to obtain a role punishment grade;
calculating the role risk weight sequence according to the role punishment grade;
and calculating the operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence.
3. the natural person operation risk scoring method according to claim 2, wherein the calculation formula of the role risk weight in the role risk weight sequence is:
the role risk weight is the sum of the role punishment grades and the role punishment event number; and/or
The enterprise risk value is enterprise risk valuation x (1-qualification factor).
4. A natural person operation risk scoring system based on enterprise risk, comprising:
the query module is used for receiving the identity information of the natural person and querying enterprise information corresponding to the natural person according to the identity information;
the risk event evaluation module is set to be used for carrying out risk evaluation on the risk event according to a preset grading rule to obtain an enterprise risk evaluation value;
the qualification factor construction module is used for constructing a qualification factor corresponding to each enterprise according to the enterprise information;
an enterprise risk calculation module configured to calculate the enterprise risk value based on the enterprise risk valuation and the qualification factor;
the punishment event extraction module is used for extracting a law bar with punishment measures on the roles of the enterprises according to the national common and national justice of China and the judicial interpretation thereof and the enterprise broken production law of the national common and national enterprise to obtain the role punishment events;
the punishment level evaluation module is used for carrying out level evaluation on the role punishment event according to a preset punishment level to obtain a role punishment level;
a risk weight construction module configured to calculate the sequence of role risk weights according to the role punishment level;
and the natural person operation risk calculation module is set for calculating the operation risk value of the natural person according to the enterprise risk value and the role risk weight sequence.
5. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, performs the steps of the natural person operation risk scoring method according to any one of claims 1 to 3.
6. A computer device comprising a storage medium and a processor; a storage medium for storing a computer program; a processor for executing a computer program to implement the steps of the natural person operation risk scoring method of any one of claims 1 to 3.
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