CN102013080A - Credit analysis and grading method based on credit rating work system - Google Patents
Credit analysis and grading method based on credit rating work system Download PDFInfo
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Abstract
The invention provides a credit analysis and grading method based on a credit rating work system, which comprises the following steps: sorting and maintaining enterprise information data, manufacturing a calculation model of analysis indices and a grading table, calculating and grading credit analysis. The invention has the beneficial effects that a define function of an index analysis formula is provided, so that users can define a calculation formula for index analysis, and the system can call data for calculation and processing; and simultaneously, an extensible grading table method is also provided, so that a grading table template can be customized, and the system can automatically generate a grading table workspace, finishes grading and calculation processes by calling the enterprise data and finally gives out a credit reference grade.
Description
Technical field
The present invention relates to a kind of credit analysis and methods of marking, belong to the credit services technical field based on the credit rating work system.
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.
The credit rating work system provides, carries out the information system of credit rating business for credit rating service organization, can help the information management of rating organization's realization to grading operation flow overall process, also provide a kind of integrated workbench for being engaged in the professional staff of grading simultaneously, integrated a series of grading support facility can be increased work efficiency and work quality provides technical support for the staff on unified operation interface.
Summary of the invention
Credit analysis and the methods of marking that the purpose of this invention is to provide a kind of advanced person based on the credit rating work system.
Purpose of the present invention is achieved through the following technical solutions:
A kind of credit analysis and methods of marking based on the credit rating work system, described credit rating work system is by client terminal device, network equipment, server zone, data bus and database constitute, described client terminal device is connected with server zone by network equipment, comprise operation control device in the described server zone, the maintenance of information device, the analysis tool device, each server unit of described server zone inside connects by data bus, and be connected to described database by data bus
Described credit analysis and methods of marking based on the credit rating work system comprise the steps,
When a) project work began, the user passed through the operation control device option from client terminal device;
B) under the management of operation control device, the maintenance of information device is safeguarded the information data of enterprise, and is stored in the database;
C) under the management of operation control device, the analysis tool device is accepted credit analysis and the scoring request that the user sends from client terminal device;
D) the analysis tool device calls the parameter information in the database, as the computation model of analysis indexes and grade form;
E) then, the analysis tool device calls the company information data that are stored in the database, as the input data of calculating;
F) then, analysis tool device utilization input data computation credit analysis index;
G) then, the analysis tool device provides the credit grade of suggestion in conjunction with input data computation marking table;
H) user obtains the credit grade result from client terminal device to the analysis tool device.
Further, described company information data comprise enterprise's essential information, financial data and non-financial data.
Further, described operation control device comprises by having of connecting of the data bus project that inquiring user relates to and the user job inquiry element of Entry Details function; User job task control element with project and function that the control project is switched of consumer positioning work at present; Has the user job achievement control element of achievement being submitted to higher level's audit function; And, the control element of doing over again of the user who re-executes function with grading work.
Further, described maintenance of information device comprises by having of connecting of data bus element is safeguarded in the registration of the basic document of grading object and the company information of maintenance function; Have the financial statement of safeguarding the enterprise financial report function and safeguard element; And, have non-financial index is set up and safeguarded that the non-financial statement of accounting logging function safeguards element.
Further, described analysis tool device comprises by having on the basis of marking table template that data bus connects, prepares the marking list cell spare of data, deal with data, execution marking function; Has on the basis of analyzing template the index analysis element of the analysis result function of extracted data and parameter; And, having on the basis of off-line data extraction template, extracted data also passes to the off-line analysis tool elements that client is carried out the analyzing and processing function down.
Beneficial effect of the present invention is embodied in: the defined function that the invention provides the index analysis formula, the user can define the required computing formula of index analysis, carry out computing by the system call data, a kind of extendible marking table method also is provided simultaneously, can self-defined marking table template, automatically generate the working interface of marking table by system,, provide the credit reference grade at last by calling the business data calculating of giving a mark.
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 work system of the present invention.
Fig. 2: the schematic flow sheet that the present invention is based on the credit analysis and the scoring of credit rating work system.
Embodiment
The present invention has disclosed a kind of credit analysis and scoring flow process based on the credit rating work system.
As shown in Figure 1, credit rating work system of the present invention is made of client terminal device, network equipment, server zone, data bus and database, described client terminal device 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 operation control device, maintenance of information device, report producing device, analysis tool device
Wherein:
Client terminal device is user's a operator's console, is a kind of User Interface, and the user fills in the result of data, the request of submission business processing, acceptance and display process by client terminal device.
Server zone is the lift-launch platform of processing element, and server zone inside is made up of some Service Process Server devices, carries out the business processing step according to the programmed logic that presets.
Data bus is the parts of inner each server unit of Connection Service device group, and data bus provides standardized information transfer channel and interface, and each server unit comes swap data by data bus and calls the other side's processing logic.Secondly, data bus also is the link of client terminal device and server zone, and the work disposal request of client terminal device is distributed each server unit processing by data bus, also by data bus the result who finishes dealing with is sent to client terminal device.
Network equipment is to be used for the parts of Connection Service device group and client terminal device, network equipment is finished the function of the data transmission between server unit and the client by unified data bus, 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 unit carries out canned data, and each server unit is realized access of database by data bus.
Below, we introduce each server unit content in the server zone in detail.
One, operation control device
This server unit provides provides the management control function to the preliminary assessment process, for the grading analyst provide use the grading operation process enter and withdraw from control function.After the analyst started working, this server was located grading analyst's job automatically, and behind end-of-job, the analyst submits achievement to, and system then locks action, can not revise, so that the reviewer examines and evaluates.
This server unit has comprised user job inquiry element, user job task control element, user job achievement control element, the user control element etc. of doing over again.Wherein: user job inquiry element provides each project that inquiring user (analyst) relates to and the details of project.User job task control element provides the function of the project of consumer positioning work at present, and the switching of control project work.The function that user job achievement control element provides achievement to submit to the higher level to examine submits to back worksheet information to lock at once.User job is done over again and is controlled the function that re-executes that grading work is provided.
Two, maintenance of information device
The function that this server unit provides the analyst that the grading object data is safeguarded is finished the essential information of enterprise, the typing and the maintenance of report messages.
This server unit has comprised that company information safeguards that element, financial statement safeguard that element, non-financial statement safeguard parts such as element.Wherein, company information safeguards that element provides registration and the maintenance function to the basic document of grading object.Financial statement safeguards that element provides the function of safeguarding enterprise financial report, accounting logging is set up and safeguarded to all kinds of financial statements that project team collected, accounting logging comprises sublists such as balance sheet, profit statement and statement of profit distribution, cash flow statement, cash flow statement updates, owner's equity change table, and functions such as financial statement balance check, currency conversion are provided.Non-financial statement safeguards that element provides all kinds of non-financial index that project team was collected to set up and safeguard the function of accounting logging, and provide a kind of form expanded function, at non-financial statement, can be according to the column of template definition, system dynamics generates the editing interface of form, on the form editing interface, can typing, revise report data.
Three, report producing device
This server unit provides functions such as editor's grading report draft and management grading report information.
This server unit has comprised parts such as grading report chapters and sections are safeguarded element, the Reports Administration element of grading.Wherein, grading report chapters and sections safeguard that element provides chapters and sections editor and management function, when the user sets up the grading report, can be according to oneself requirement definition chapters and sections, and in system, set up it, thus can define the template that grading is reported neatly.Grading Reports Administration element is finished the generation of foundation, editor's draft and grading report to the essential information of grading report, can carry out preview to the grading report that completes, all information of inquiry grading report, and derive it.
Four, analysis tool device
This server unit provides functions such as the marking model, index analysis calculating of business standing grading.Concrete parts have comprised marking list cell spare, index analysis element, off-line analysis tool elements etc.
Wherein, marking list cell spare can be given a mark on the basis of table template, prepares data, deal with data, execution marking function, provides the scoring after the calculating, and can adjust result calculated.The index analysis element is by the analysis template of system definition, extracted data in system, the analysis result of parameter.The off-line data extraction template that the off-line analysis instrument provides by system extracts at the financial data and the supplementary statement data of database, produces data file, and passing to client carries out analyzing and processing down.
As shown in Figure 2, described credit analysis and methods of marking based on the credit rating work system comprises the steps:
When a) project work began, the user passed through the operation control device option from client terminal device;
B) under the management of operation control device, the maintenance of information device is safeguarded the information data of enterprise, and is stored in the database; Described company information data comprise enterprise's essential information, financial data and non-financial data;
C) under the management of operation control device, the analysis tool device is accepted credit analysis and the scoring request that the user sends from client terminal device;
D) the analysis tool device calls the parameter information in the database, as the computation model of analysis indexes and grade form;
E) then, the analysis tool device calls the company information data that are stored in the database, as the input data of calculating;
F) then, analysis tool device utilization input data computation credit analysis index;
G) then, the analysis tool device provides the credit grade of suggestion in conjunction with input data computation marking table;
H) user obtains the credit grade result from client terminal device to the analysis tool device.
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 (5)
1. credit analysis and methods of marking based on a credit rating work system, described credit rating work system is by client terminal device, network equipment, server zone, data bus and database constitute, described client terminal device is connected with server zone by network equipment, comprise operation control device in the described server zone, the maintenance of information device, the analysis tool device, each server unit of described server zone inside connects by data bus, and be connected to described database by data bus, it is characterized in that: described credit analysis and methods of marking based on the credit rating work system comprises the steps
When a) project work began, the user passed through the operation control device option from client terminal device;
B) under the management of operation control device, the maintenance of information device is safeguarded the information data of enterprise, and is stored in the database;
C) under the management of operation control device, the analysis tool device is accepted credit analysis and the scoring request that the user sends from client terminal device;
D) the analysis tool device calls the parameter information in the database, as the computation model of analysis indexes and grade form;
E) then, the analysis tool device calls the company information data that are stored in the database, as the input data of calculating;
F) then, analysis tool device utilization input data computation credit analysis index;
G) then, the analysis tool device provides the credit grade of suggestion in conjunction with input data computation marking table;
H) user obtains the credit grade result from client terminal device to the analysis tool device.
2. credit analysis and methods of marking based on the credit rating work system according to claim 1 is characterized in that: described company information data comprise enterprise's essential information, financial data and non-financial data.
3. credit analysis and methods of marking based on the credit rating work system according to claim 1 is characterized in that: described operation control device comprises and connecting by data bus
Have the project that inquiring user relates to and the user job inquiry element of Entry Details function;
User job task control element with project and function that the control project is switched of consumer positioning work at present;
Has the user job achievement control element of achievement being submitted to higher level's audit function;
And, the control element of doing over again of the user who re-executes function with grading work.
4. credit analysis and methods of marking based on the credit rating work system according to claim 1 is characterized in that: described maintenance of information device comprises and connecting by data bus
Have element is safeguarded in the registration of basic document of grading object and the company information of maintenance function;
Have the financial statement of safeguarding the enterprise financial report function and safeguard element;
And, have non-financial index is set up and safeguarded that the non-financial statement of accounting logging function safeguards element.
5. credit analysis and methods of marking based on the credit rating work system according to claim 1 is characterized in that: described analysis tool device comprises and connecting by data bus
Have on the basis of marking table template, prepare the marking list cell spare of data, deal with data, execution marking function;
Has on the basis of analyzing template the index analysis element of the analysis result function of extracted data and parameter;
And, having on the basis of off-line data extraction template, extracted data also passes to the off-line analysis tool elements that client is carried out the analyzing and processing function down.
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| CN2010105473569A CN102013080A (en) | 2010-11-17 | 2010-11-17 | Credit analysis and grading method based on credit rating work system |
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| CN2010105473569A CN102013080A (en) | 2010-11-17 | 2010-11-17 | Credit analysis and grading method based on credit rating work system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104036367A (en) * | 2014-06-27 | 2014-09-10 | 漳州片仔癀药业股份有限公司 | Intelligent customer credit optimizing processing method based on ERP system |
| CN104035964A (en) * | 2014-05-16 | 2014-09-10 | 北京百度网讯科技有限公司 | Method and device for providing credit-related information |
| 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 |
| CN109766379A (en) * | 2018-12-29 | 2019-05-17 | 福建华闽通达信息技术有限公司 | A kind of construction project credit wire examination method Internet-based and system |
| CN112598264A (en) * | 2020-12-18 | 2021-04-02 | 江苏未至科技股份有限公司 | Scenario comprehensive evaluation system for credit field |
| CN112686553A (en) * | 2020-12-31 | 2021-04-20 | 民生科技有限责任公司 | Enterprise automatic rating management system, method, server and readable storage device |
-
2010
- 2010-11-17 CN CN2010105473569A patent/CN102013080A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104035964A (en) * | 2014-05-16 | 2014-09-10 | 北京百度网讯科技有限公司 | Method and device for providing credit-related information |
| CN104036367A (en) * | 2014-06-27 | 2014-09-10 | 漳州片仔癀药业股份有限公司 | Intelligent customer credit optimizing processing method based on ERP system |
| 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 |
| CN109766379A (en) * | 2018-12-29 | 2019-05-17 | 福建华闽通达信息技术有限公司 | A kind of construction project credit wire examination method Internet-based and system |
| CN112598264A (en) * | 2020-12-18 | 2021-04-02 | 江苏未至科技股份有限公司 | Scenario comprehensive evaluation system for credit field |
| CN112686553A (en) * | 2020-12-31 | 2021-04-20 | 民生科技有限责任公司 | Enterprise automatic rating management system, method, server and readable storage device |
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Application publication date: 20110413 |