CN102013077A - Credit rating system - Google Patents
Credit rating system Download PDFInfo
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- CN102013077A CN102013077A CN2010105464343A CN201010546434A CN102013077A CN 102013077 A CN102013077 A CN 102013077A CN 2010105464343 A CN2010105464343 A CN 2010105464343A CN 201010546434 A CN201010546434 A CN 201010546434A CN 102013077 A CN102013077 A CN 102013077A
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Abstract
The invention provides a credit rating system, which consists of a client, a network device, a server group, a data bus and a database. Servers in the server group are connected through the data bus and are connected to the database through the data bus; and the server group comprises a rating work server, a review work server, a project management server, a contract management server, a customer service server and a system management server. The credit rating system has the advantages that: an information system for developing credit rating service is provided for a credit rating service mechanism; an integrated credit rating working platform is provided for working personnel engaged in rating service; and the functions of data storage and data utilization are provided for massive credit data possibly existing in a rated object; therefore, the system takes the service as the center to effectively integrate online transaction processing with online data analysis architecturally.
Description
Technical field
The present invention relates to a kind of Credit rating system, belong to the credit services technical field.
Background technology
Credit rating claims " credit rating " or " prestige assessment " again, is important content and the basis of setting up social credit system.According to common definition, credit rating is that credit rating service organization is with third-party objective, just position, evaluation index system according to standard, the appraisal procedure of utilization science, fulfil strict appraisal procedure, to enterprise, financial institution, market such as bond issue person and social organization participates in the credit record of main body, the quality of enterprise, managerial ability, management level, external environment condition, financial position, development prospects etc. fully understand, survey and study, after the analysis and research, with regard to its ability of meeting commitment in following a period of time, the comprehensive evaluation that the various risk that may occur is done, and with certain symbolic representation it is good and bad and be published in a kind of economic activity of the public.
Credit rating already is intermediary sevices special in the financial system, credit rating is to estimate by the debt repayment risk to business and government, investment of guiding financial capital and economic decision-making, he is directly connected to the pricing right of financial product, and influence state's credit market rate and exchange rate formation, closely related with country's finance sovereignty and economic security.So in a sense, credit rating is an important force of safeguarding country's finance sovereignty, has represented the statehood of country in the international finance service system, is an important service that is related to national financial strategic security.
Summary of the invention
The purpose of this invention is to provide a kind of credit rating service organization that is applicable to and carry out the information system of credit rating business.
Another object of the present invention provides a kind of integrated credit rating workbench of being engaged in the professional staff of grading that is applicable to.
Purpose of the present invention is achieved through the following technical solutions:
A kind of Credit rating system, by client computer, network equipment, server zone, data bus and database constitute, described client computer is connected with server zone by network equipment, each server of described server zone inside connects by data bus, and be connected to described database by data bus, described server zone comprises the grading workspace server, the evaluation server, project management server, contract management server, customer service server, system management server, described customer service server in order to information management function that rating organization's daily servicing customer relationship is provided, with described in order to user profile to be provided, the form target information, index parameter information, the system management server of the function of the parameter information control of evaluation analysis model, be connected to described contract management server in order to management function that the cooperation agreement that clientage and rating organization sign is provided and described by data bus in order to provide at the project process, comprise the project essential information, project status information, project team's information is at the project management server of interior information management function, and be connected to database by data bus again, be used for finishing the management function of the information management function and the multinomial order contract of grading process; Described in order to the grading workspace server to the function of being graded by the grading object to be provided, be connected with described project management server, contract management server by grading performance data bus; Described in order to the evaluation server to the function of being evaluated by the grading object to be provided, be connected with described project management server, contract management server by evaluation performance data bus; Be connected to database, customer service server by data bus between described grading workspace server, the evaluation server.
Described customer service server comprises the customer information attending device that is used to set up client's basic document that connects by data bus, and the Communication with Customer attending device that is used for the maintain customer data.
Described contract management server comprises the contract information attending device of the function of the increase with contract, modification and the deletion that connect by data bus; Have contract is stopped, freezes, thaws and the contract control device of the function that done state manages; And, have the contract inquiry unit of the query function of contract information.
Described project management server comprises the project essential information attending device of the function of the increase with project, modification and the deletion that connect by data bus; The project process apparatus for management of information of management function with different phase, state of project implementation process; Project team's attending device with personal information maintenance function of project implementation group; And, have the project comprehensive inquiry device of the query function of project information.
Described grading workspace server comprises by what data bus connected having a operation control device at the management function of grading project work flow process; Has maintenance of information device at the maintenance function of the object information of being graded; Have by the analysis tool device of grading object index analysis, the object credit scoring function of being graded; And, have the draft producing device of finishing grading report draft function.
Described evaluation server comprises the evaluation meeting management devices with evaluation meeting function of organization that connects by data bus; Meeting on-site control device with the control function in the evaluation meeting process; Review comment management devices with function of reviewer's ballot and registration review comment; Review result management devices with object information registration function of final ranking; And, the evaluation tool device with the function that provides and evaluate the associative operation instrument.
Further, described evaluation tool device comprises by grading object information query facility, index analysis and adjustment instrument, marking calculating and adjustment instrument, has access to report draft instrument.
Described system management server comprises the user management device by the information management function of the institutional framework with rating organization of data bus connection, system user; Have the function of rating organization and the rights management device of data permission configuration management function; Has index parameter management devices at the configuration management function of index parameter information; Has report form template management devices at the configuration management function of data sheet Template Information; Analysis Template Manager device with configuration management function of the formula Template Information that calculates at index analysis; Has marking table model management devices at the configuration management function of index marking table model; Has draft Template Manager device at the configuration management function of grading report chapters and sections format information; And, have the systematic parameter management devices of the configuration management function of the scattered parameter of system.
Beneficial effect of the present invention is embodied in:
(1) the present invention can help the information management of credit rating service organization realization to grading operation flow overall process for credit rating service organization provides a kind of information system of carrying out the credit rating business;
(2) the present invention also provides a kind of integrated credit rating workbench for being engaged in the professional staff of grading, integrated a series of grading support facility in system of the present invention, be used to realize the to grade function of the various aspects on the vocational work can be increased work efficiency and work quality provides technical support for the staff.
(3) function of the present invention has not only comprised the information management function of each link on the operation flow, but also the function that the magnanimity credit data that may exist for quilt grading object (enterprise) provides data storage, data to utilize, the system that makes is the center with the business, on framework the characteristics of OLTP (Transaction Processing) and OLAP (on-line data analysis) is integrated effectively.
Description of drawings
The invention will be further described below in conjunction with accompanying drawing:
Fig. 1: the basic framework synoptic diagram of Credit rating system of the present invention.
Embodiment
The present invention has disclosed a kind of Credit rating system, as shown in Figure 1, constitute by client computer, network equipment, server zone, data bus and database, described client computer is connected with server zone by network equipment, each server of described server zone inside connects by data bus, and being connected to described database by data bus, described server zone comprises grading workspace server, evaluation server, project management server, contract management server, customer service server, system management server.
Described customer service server with described system management server, is connected to described contract management server and described project management server by data bus, and is connected to database by data bus again; Described grading workspace server is connected with described project management server, contract management server by grading performance data bus; Described evaluation server is connected with described project management server, contract management server by evaluation performance data bus; Be connected to database, customer service server by data bus between described grading workspace server, the evaluation server.
Wherein:
Client computer is user's a operator's console, is a kind of User Interface, and the user is by the result of client completed data, the request of submission business processing, acceptance and display process.
Server zone is the lift-launch platform of processing element, and server zone inside is made up of some Service Process Server, carries out the business processing step according to the programmed logic that presets.
Data bus is the parts of inner each server of Connection Service device group, and data bus provides standardized information transfer channel and interface, and each server comes swap data by data bus and calls the other side's processing logic.Secondly, data bus also is the link of client computer and server zone, and the work disposal request of client computer is distributed to each server process by data bus, also by data bus the result who finishes dealing with is sent to client computer.
Network equipment is to be used for Connection Service device group's the data bus and the parts of client computer, network equipment is finished the function of the data transmission between server and the client by the data bus of unified server zone, and network equipment can select public network (being the internet), private network forms such as (being intramural dedicated network) to realize.
Database is the parts that each server carries out canned data, and each server is realized access of database by data bus.
Below, we introduce each server content in the server zone in detail.
One, customer service server
Customer service server provides the information management function of rating organization's daily servicing customer relationship.Customer service server has comprised parts such as customer information attending device, Communication with Customer attending device.Wherein, the customer information attending device provides the function of setting up client's basic document, maintain customer data.The Communication with Customer attending device provides the function of getting in touch the information management of communication process with the client.
Two, contract management server
Contract management server provides the management function at the cooperation agreement of clientage and rating organization's signing, can the repeatedly grading agreement of grading object be managed.
The parts of contract management server comprise contents such as contract information attending device, contract control device and contract inquiry unit.Wherein, the contract information attending device provides the function of increase, modification and the deletion of contract.Contract control device provides the function to contract stops, freezes, thaws and state such as end manages.The contract inquiry unit has then provided the function of the various inquiries of relevant contract information.
Three, project management server
Project is the elementary cell of grading service implementation, is the once grading work of implementing at a grading object, is sign with external issue rating result.In a project, may exist once and reexamine, its service link comprises service links such as investigation, preliminary assessment, evaluation, reconsideration, issue.
Project management server provides the function at the project process information management, comprises contents such as project essential information, project status information, project team's information.The parts of project management server comprise project essential information attending device, project process apparatus for management of information, project team's attending device and project comprehensive inquiry device.
Wherein, project essential information attending device provides the management function at the project general information, comprise project increase, revise deletion etc.The project process apparatus for management of information provides the different phase of project implementation process, the management function of state.Project team's attending device provides the personal information maintenance function of project implementation group.Project comprehensive inquiry device then provides a series of comprehensive inquiry function at project.
Four, grading workspace server
The grading workspace server is one of main parts of the present invention.The grading workspace server provides a kind of integrated operating environment for grading work, the integrated multiple instrument relevant on unified interface with grading work, can so that the user can finish easily by the maintenance of grading object information, index analysis, credit scoring, ranking, draft make, work such as evaluation submission.
The grading workspace server has comprised parts such as operation control device, maintenance of information device, analysis tool device, draft producing device.Wherein operation control device provides the management function at grading project work flow process, can improve based on the interactive working environment of project.The maintenance of information device provides the maintenance function at the object information of being graded.The analysis tool device provides by functions such as grading object index analysis, the object credit scorings of being graded.The draft producing device provides the analyst to finish the instrumental function of grading report draft.
Five, evaluation server
The evaluation server is one of critical piece of the present invention.This server provides the integrated working environment at evaluation, and a series of evaluation instrumental function is provided on unified interface, in addition, also provides information management function for evaluation course.
The evaluation server has comprised parts such as evaluation meeting management devices, meeting on-site control device, review comment management devices, review result management devices, evaluation tool device.Wherein the evaluation meeting management devices provides the function of evaluation meeting tissue.The meeting on-site control device provides the control function in the evaluation meeting process.The review comment management devices provides the function of reviewer's ballot and registration review comment.The review result management devices provides the function of the object information registration of final ranking.The evaluation tool device has then provided function a series of and the relevant operation tool of evaluation, comprises being calculated with adjustment, marking by the inquiry of grading object information, index analysis and adjustment, having access to and report draft etc.
Six, system management server
System management server provides the information management function of a series of system operational parameters, has comprised parameter information of organization user's information, form target information, index parameter information, evaluation analysis model etc., and this is the basis that system is normally moved.
System management server has comprised parts such as organization user's management devices, rights management device, index parameter management devices, report form template management devices, analysis Template Manager device, marking table model management devices, draft Template Manager device, systematic parameter management devices.Wherein organization user's management devices provides the institutional framework of rating organization, the information management function of system user.The rights management device provides at the function of rating organization and data permission configuration management function.The index parameter management devices provides the configuration management function at index parameter information.The report form template management devices provides the configuration management function at the data sheet Template Information.Analyzing the Template Manager device provides the configuration management function of the formula Template Information that calculates at index analysis.Marking table model management devices provides the configuration management function at index marking table model.Draft Template Manager device provides the configuration management function at grading report chapters and sections format information.The systematic parameter management devices provides the configuration management function of the scattered parameter of system.
In sum, the present invention provides a kind of information system of carrying out the credit rating business for credit rating service organization, can help the information management of credit rating service organization realization to grading operation flow overall process, from the grading business contract, information to the preliminary assessment in grading project, the project process, service link such as evaluate, reexamine is carried out tracking and maintenance, to reach the target of rating organization's service management.
Secondly, the present invention also provides a kind of integrated workbench for being engaged in the professional staff of grading, integrated a series of grading support facility on unified operation interface, the function that has comprised the various aspects on side's grading vocational works such as company information maintenance, index analysis, the scoring of marking table, ranking, report making can be increased work efficiency and work quality provides technical support for the staff.
The present invention finishes on the basis of further investigation grading service feature, its function has not only comprised the information management function of each link on the operation flow, but also function for provided data storage, data to utilize by the magnanimity credit data that may exist of grading object (enterprise), the system that makes is the center with the business, on framework the characteristics of OLTP (Transaction Processing) and OLAP (on-line data analysis) is integrated effectively.
The present invention still has multiple concrete embodiment, and all employings are equal to replacement or equivalent transformation and all technical schemes of forming, all drop within the scope of protection of present invention.
Claims (8)
1. Credit rating system, by client computer, network equipment, server zone, data bus and database constitute, described client computer is connected with server zone by network equipment, each server of described server zone inside connects by data bus, and be connected to described database by data bus, it is characterized in that: described server zone comprises the grading workspace server, the evaluation server, project management server, contract management server, customer service server, system management server
Described customer service server in order to information management function that rating organization's daily servicing customer relationship is provided, with described in order to user profile to be provided, the form target information, index parameter information, the system management server of the function of the parameter information control of evaluation analysis model, be connected to described contract management server in order to management function that the cooperation agreement that clientage and rating organization sign is provided and described by data bus in order to provide at the project process, comprise the project essential information, project status information, project team's information is at the project management server of interior information management function, and be connected to database by data bus again, be used for finishing the management function of the information management function and the multinomial order contract of grading process;
Described in order to the grading workspace server to the function of being graded by the grading object to be provided, be connected with described project management server, contract management server by grading performance data bus; Described in order to the evaluation server to the function of being evaluated by the grading object to be provided, be connected with described project management server, contract management server by evaluation performance data bus;
Be connected to database, customer service server by data bus between described grading workspace server, the evaluation server.
2. Credit rating system according to claim 1, it is characterized in that: described customer service server comprises the customer information attending device that is used to set up client's basic document that connects by data bus, and the Communication with Customer attending device that is used for the maintain customer data.
3. Credit rating system according to claim 1 is characterized in that: described contract management server comprises and connecting by data bus
The contract information attending device of function with increase, modification and deletion of contract;
Have contract is stopped, freezes, thaws and the contract control device of the function that done state manages;
And, have the contract inquiry unit of the query function of contract information.
4. Credit rating system according to claim 1 is characterized in that: described project management server comprises and connecting by data bus
The project essential information attending device of function with increase, modification and deletion of project;
The project process apparatus for management of information of management function with different phase, state of project implementation process;
Project team's attending device with personal information maintenance function of project implementation group;
And, have the project comprehensive inquiry device of the query function of project information.
5. Credit rating system according to claim 1 is characterized in that: described grading workspace server comprises and connecting by data bus
Has operation control device at the management function of grading project work flow process;
Has maintenance of information device at the maintenance function of the object information of being graded;
Have by the analysis tool device of grading object index analysis, the object credit scoring function of being graded;
And, have the draft producing device of finishing grading report draft function.
6. Credit rating system according to claim 1 is characterized in that: described evaluation server comprises and connecting by data bus
Evaluation meeting management devices with evaluation meeting function of organization;
Meeting on-site control device with the control function in the evaluation meeting process;
Review comment management devices with function of reviewer's ballot and registration review comment;
Review result management devices with object information registration function of final ranking;
And, the evaluation tool device with the function that provides and evaluate the associative operation instrument.
7. Credit rating system according to claim 6 is characterized in that: described evaluation tool device comprises by grading object information query facility, index analysis and adjustment instrument, marking calculating and adjustment instrument, has access to report draft instrument.
8. Credit rating system according to claim 1 is characterized in that: described system management server comprises and connecting by data bus
The user management device of information management function with institutional framework, system user of rating organization;
Have the function of rating organization and the rights management device of data permission configuration management function;
Has index parameter management devices at the configuration management function of index parameter information;
Has report form template management devices at the configuration management function of data sheet Template Information;
Analysis Template Manager device with configuration management function of the formula Template Information that calculates at index analysis;
Have at index marking table model the marking table model management devices of configuration management function;
Has draft Template Manager device at the configuration management function of grading report chapters and sections format information;
And, have the systematic parameter management devices of the configuration management function of the scattered parameter of system.
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| CN2010105464343A CN102013077A (en) | 2010-11-17 | 2010-11-17 | Credit rating system |
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| CN2010105464343A CN102013077A (en) | 2010-11-17 | 2010-11-17 | Credit rating system |
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| CN102013077A true CN102013077A (en) | 2011-04-13 |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106709698A (en) * | 2016-12-20 | 2017-05-24 | 柳州顺联科技有限公司 | Enterprise management system |
| CN106845923A (en) * | 2016-12-20 | 2017-06-13 | 柳州顺联科技有限公司 | A kind of project management system |
| CN107194799A (en) * | 2017-04-28 | 2017-09-22 | 中证信用云科技（深圳）股份有限公司 | Credit cloud risk monitoring and control management system |
| CN107563589A (en) * | 2017-07-26 | 2018-01-09 | 广东电力交易中心有限责任公司 | A kind of electricity market main body credit management system and management method |
| CN109272218A (en) * | 2018-09-04 | 2019-01-25 | 中国平安财产保险股份有限公司 | Bond batch ranking method, device, computer equipment and storage medium |
| CN109934594A (en) * | 2018-12-21 | 2019-06-25 | 广州电力交易中心有限责任公司 | Electricity market credit dynamic cataloging management system and trading margin management method |
| CN111798142A (en) * | 2020-05-09 | 2020-10-20 | 汕头高新区艾立方智能科技有限公司 | Credit rating system |
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2010
- 2010-11-17 CN CN2010105464343A patent/CN102013077A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106709698A (en) * | 2016-12-20 | 2017-05-24 | 柳州顺联科技有限公司 | Enterprise management system |
| CN106845923A (en) * | 2016-12-20 | 2017-06-13 | 柳州顺联科技有限公司 | A kind of project management system |
| CN107194799A (en) * | 2017-04-28 | 2017-09-22 | 中证信用云科技（深圳）股份有限公司 | Credit cloud risk monitoring and control management system |
| CN107563589A (en) * | 2017-07-26 | 2018-01-09 | 广东电力交易中心有限责任公司 | A kind of electricity market main body credit management system and management method |
| CN109272218A (en) * | 2018-09-04 | 2019-01-25 | 中国平安财产保险股份有限公司 | Bond batch ranking method, device, computer equipment and storage medium |
| CN109272218B (en) * | 2018-09-04 | 2023-12-01 | 中国平安财产保险股份有限公司 | Method, device, computer equipment and storage medium for batch rating bonds |
| CN109934594A (en) * | 2018-12-21 | 2019-06-25 | 广州电力交易中心有限责任公司 | Electricity market credit dynamic cataloging management system and trading margin management method |
| CN111798142A (en) * | 2020-05-09 | 2020-10-20 | 汕头高新区艾立方智能科技有限公司 | Credit rating system |
| CN111798142B (en) * | 2020-05-09 | 2024-02-13 | 汕头高新区艾立方智能科技有限公司 | Credit rating system |
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Application publication date: 20110413 |