CN103942718A - Enterprise credit information collection and integration method - Google Patents
Enterprise credit information collection and integration method Download PDFInfo
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Abstract
The invention provides an enterprise credit information collection and integration method for guaranteeing that a credit granting organization effectively recognizes and prevents credit risks. The method comprises the following steps that (1) service information data items of enterprise credit information are collected; (2) the service information data items collected in the step (1) are stored in a database to be inquired by the credit granting organization; (3) an enterprise credit report is generated by the service information data items collected in the step (1) to be inquired by the credit granting organization; (4) affiliated enterprises are obtained through calculation according to the service information data items collected in the step (1), and according to guarantee information records in a system, an affiliated enterprise group having the guarantee association relationship is obtained through calculation to be inquired by the credit granting organization. The enterprise credit information collection and integration method achieves the most comprehensive and multi-layered description of the credit status of an information agent and provides technical support for effective risk management when the credit granting organization effectively recognizes and prevents the credit risks.
Description
Technical field
The present invention relates to a kind of rating business credit method, especially a kind of enterprise credit information gathers integration method.
Background technology
Along with deepening continuously of China market economy, the trans-regional economic activity of the main body of the society is more and more frequent, and bank credit scale also constantly expands, and the proportion that credit activity accounts in national economy is increasing.Due to the abundant understanding lacking credit standing, commercial bank compares compared with other industry, is bearing higher credit risk, also stands in the breach and is subject to the puzzlement of various credit problems.Bull loan, chain debts, cheat loan, malice is in arrears with and constantly the growing of the phenomenon such as the evasion of repayment of bank loans.In the new situation, commercial bank has proposed demand to information sharing, urgently wishes borrower's information sharing platform that can realize national inter-bank information sharing, so that overall understanding borrower's credit standing.But the credit information that commercial bank has is a lot, which information of sharing is the primary root problem solving.
Summary of the invention
The invention provides a kind of enterprise's credit information collection integration method that ensures the effective identification of credit mechanism and take precautions against credit risk.
Enterprise's credit information of realizing the object of the invention gathers integration method, comprises the steps:
(1) gather the business information data item of enterprise's credit information;
Described business information data item comprises loan transaction information data item, factoring business information data item, discounted note business information data item, trade financing business information data item, letter of credit business information data item, letter of guarantee business information data item, banker's acceptance bill business information data item, guarantee information data item, money advanced for somebody to be paid back later information data item, debit interest information data item and disposal of bad loans information data item;
Described loan transaction information data item comprise contract information, contract value information, receipt information, refund information and the duration of an exhibition information;
Described factoring business information data item comprises factoring product type, factoring business state, borrower's title, loan card coding, Currency Type, chat do the amount of money, chat do the date, chat do remaining sum, remaining sum changes date, guarantee sign, money advanced for somebody to be paid back later sign, level Four classification and five-category;
Described discounted note business information data item comprises discount applicant title, loan card coding, accepter/row title, loan card coding, organization mechanism code, Currency Type, the discount amount of money, discount day, acceptance maturity day, denomination, bill state, level Four classification and five-category;
Described trade financing business information data item comprise financing agreement information, financing agreement amount information, provide financing services information, provide financing services refund information and the duration of an exhibition information;
Described letter of credit business information data item comprises borrower's title, loan card coding, Currency Type, the amount of money of opening L/C, issuing date, the validity of credit, letter of credit time limit of payment, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, letter of credit state, letter of credit cancelling date, credit balance, remaining sum reporting date and five-category;
Described letter of guarantee business information data item comprises borrower's title, loan card coding, letter of guarantee kind, letter of guarantee state, Currency Type, bond amount, letter of guarantee openning date, letter of guarantee date of expiry, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, letter of guarantee remaining sum, remaining sum generation date and five-category;
Described banker's acceptance bill business information data item comprises check drawer's title, loan card coding, Currency Type, the amount of draft, acceptance of bill of exchange day, due date of bill, payment of bill date, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, draft state and five-category;
Described guarantee information data item comprises contract of guarantee information, mortgage contract information, pledges contract information, nature person's contract of guarantee information, nature person's mortgage contract information and nature person pledge contract information;
Described money advanced for somebody to be paid back later information data item comprises borrower's title, loan card coding, money advanced for somebody to be paid back later kind, former service numbers, Currency Type, advance and money advanced for somebody to be paid back later date;
Described debit interest information data item comprises that Currency Type, debit interest remaining sum, debit interest type and debit interest remaining sum change the date;
Described disposal of bad loans information data item comprises remaining sum, disposes date, prime assets disposal options and reclaimed the amount of money;
(2) business information data item step (1) being collected deposits database in, for the inquiry of credit mechanism;
(3) business information data item manufacturing enterprise credit report step (1) being collected, for the inquiry of credit mechanism;
(4) business information data item compute associations enterprise step (1) being collected, according to the guarantee information recording in system, calculates the group of affiliated enterprise who has guarantee incidence relation, for the inquiry of credit mechanism.
The contract information of the loan transaction information data item in described step (1) comprises borrower's title, credit agreement number, loan agreement effective date, loan agreement date of expiry, banking group sign and guarantee sign;
Described contract value information comprises Currency Type, the loan agreement amount of money and available balance;
Described receipt information comprise receipt numbering, Currency Type, available balance, the loan receipt amount of money, loan receipt remaining sum, receipt make loans date, receipt make loans date of expiry, loan transaction kind, loan form, loan character, loan invest, loan kind, duration of an exhibition sign, level Four classification and five-category;
Described refund information comprises receipt numbering, refund date, refund number of times, mode of repayment and the refund amount of money;
Described duration of an exhibition, information comprised receipt numbering, duration of an exhibition number of times, the duration of an exhibition amount of money, duration of an exhibition from date and due date in the duration of an exhibition.
The financing agreement information of the trade financing business information data item in described step (1) comprises borrower's title, credit agreement number, financing agreement effective date, financing agreement date of expiry, guarantee sign and agreement effective status;
Described financing agreement amount information comprises Currency Type, the financing agreement amount of money and financing agreement remaining sum;
Described provide financing services information comprises and indicating in provide financing services numbering, provide financing services kind, Currency Type, the financing amount of money, financing remaining sum, provide financing services release date, provide financing services Close Date, the duration of an exhibition, level Four is classified and five-category;
Described provide financing services refund information comprises provide financing services numbering, refund number of times, the refund amount of money, refund date and mode of repayment;
Described duration of an exhibition, information comprised provide financing services numbering, duration of an exhibition number of times, the duration of an exhibition amount of money, duration of an exhibition from date and due date in the duration of an exhibition.
The contract of guarantee information of the guarantee information data item in described step (1) comprises contract of guarantee numbering, underwriter's title, loan card coding, Currency Type, guaranteed sum, contract award date, warranty form and contract effective status.
The mortgage contract information of the guarantee information data item in described step (1) comprises mortgage contract numbering, mortgage sequence number, pledgeor's title, loan card coding, Currency Type, guaranty estimated value, assessment date, appraisal agency's title, appraisal agency's organization mechanism code, contract award date, guaranty kind, Currency Type, the mortgage amount of money, registration authority, record date, guaranty explanation and contract effective status.
The contract information of pledging of the guarantee information data item in described step (1) comprises and pledges Contract NO, pledges sequence number, pledger's title, loan card coding, Currency Type, collateral security value, contract award date, collateral security kind, Currency Type, pledges the amount of money and contract effective status.
Nature person's contract of guarantee information of the guarantee information data item in described step (1) comprises contract of guarantee numbering, underwriter's title, type of credential, passport NO., Currency Type, guaranteed sum, contract award date, warranty form and contract effective status.
Nature person's mortgage contract information of the guarantee information data item in described step (1) comprises mortgage contract numbering, mortgage sequence number, pledgeor's title, type of credential, passport NO., Currency Type, guaranty estimated value, assessment date, appraisal agency's title, appraisal agency's organization mechanism code, contract award date, guaranty kind, Currency Type, the mortgage amount of money, registration authority, record date, guaranty explanation and contract effective status.
The nature person of the guarantee information data item in described step (1) pledges contract information and comprises and pledge Contract NO, pledge sequence number, pledger's title, type of credential, passport NO., Currency Type, collateral security value, contract award date, collateral security kind, Currency Type, pledge the amount of money and contract effective status.
The beneficial effect of enterprise of the present invention credit information collection integration method is as follows:
Enterprise of the present invention credit information gathers integration method, according to the credit risk key element of different giving credits, by screening in magnanimity credit data, determine the data item that best embodies Credit Risk Assessment of Enterprise situation, and each giving credit information of reporting and submitting by gathering and integrate each credit agency, record the credit transaction behavioral aspect that Yu Ge mechanism of enterprise occurs, main body (the credits that comprise credit transaction, debt side), credit transaction generation time point, fund amount (containing changing), reason etc., realization is to the comprehensive and the most multi-level description of information agent credit standing, for credit mechanism effectively identifies and takes precautions against credit risk, carry out effective risk management technical support is provided.
Embodiment
Enterprise of the present invention credit information gathers integration method, comprises the steps:
(1) gather the business information data item of enterprise's credit information;
Described business information data item comprises loan transaction information data item, factoring business information data item, discounted note business information data item, trade financing business information data item, letter of credit business information data item, letter of guarantee business information data item, banker's acceptance bill business information data item, guarantee information data item, money advanced for somebody to be paid back later information data item, debit interest information data item and disposal of bad loans information data item;
-described loan transaction information data item comprise contract information, contract value information, receipt information, refund information and the duration of an exhibition information;
Described contract information comprises borrower's title, credit agreement number, loan agreement effective date, loan agreement date of expiry, banking group sign and guarantee sign;
Described contract value information comprises Currency Type, the loan agreement amount of money and available balance;
Described receipt information comprise receipt numbering, Currency Type, available balance, the loan receipt amount of money, loan receipt remaining sum, receipt make loans date, receipt make loans date of expiry, loan transaction kind, loan form, loan character, loan invest, loan kind, duration of an exhibition sign, level Four classification and five-category;
Described refund information comprises receipt numbering, refund date, refund number of times, mode of repayment and the refund amount of money;
Described duration of an exhibition, information comprised receipt numbering, duration of an exhibition number of times, the duration of an exhibition amount of money, duration of an exhibition from date and due date in the duration of an exhibition.
-described factoring business information data item comprises factoring product type, factoring business state, borrower's title, loan card coding, Currency Type, chat do the amount of money, chat do the date, chat do remaining sum, remaining sum changes date, guarantee sign, money advanced for somebody to be paid back later sign, level Four classification and five-category;
-described discounted note business information data item comprises discount applicant title, loan card coding, accepter/row title, loan card coding, organization mechanism code, Currency Type, the discount amount of money, discount day, acceptance maturity day, denomination, bill state, level Four classification and five-category;
-described trade financing business information data item comprise financing agreement information, financing agreement amount information, provide financing services information, provide financing services refund information and the duration of an exhibition information;
Described financing agreement information comprises borrower's title, credit agreement number, financing agreement effective date, financing agreement date of expiry, guarantee sign and agreement effective status;
Described financing agreement amount information comprises Currency Type, the financing agreement amount of money and financing agreement remaining sum;
Described provide financing services information comprises and indicating in provide financing services numbering, provide financing services kind, Currency Type, the financing amount of money, financing remaining sum, provide financing services release date, provide financing services Close Date, the duration of an exhibition, level Four is classified and five-category;
Described provide financing services refund information comprises provide financing services numbering, refund number of times, the refund amount of money, refund date and mode of repayment;
Described duration of an exhibition, information comprised provide financing services numbering, duration of an exhibition number of times, the duration of an exhibition amount of money, duration of an exhibition from date and due date in the duration of an exhibition.
-described letter of credit business information data item comprises borrower's title, loan card coding, Currency Type, the amount of money of opening L/C, issuing date, the validity of credit, letter of credit time limit of payment, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, letter of credit state, letter of credit cancelling date, credit balance, remaining sum reporting date and five-category;
-described letter of guarantee business information data item comprises borrower's title, loan card coding, letter of guarantee kind, letter of guarantee state, Currency Type, bond amount, letter of guarantee openning date, letter of guarantee date of expiry, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, letter of guarantee remaining sum, remaining sum generation date and five-category;
-described banker's acceptance bill business information data item comprises check drawer's title, loan card coding, Currency Type, the amount of draft, acceptance of bill of exchange day, due date of bill, payment of bill date, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, draft state and five-category;
-described guarantee information data item comprises contract of guarantee information, mortgage contract information, pledges contract information, nature person's contract of guarantee information, nature person's mortgage contract information and nature person pledge contract information;
Described contract of guarantee information comprises contract of guarantee numbering, underwriter's title, loan card coding, Currency Type, guaranteed sum, contract award date, warranty form and contract effective status.
Described mortgage contract information comprises mortgage contract numbering, mortgage sequence number, pledgeor's title, loan card coding, Currency Type, guaranty estimated value, assessment date, appraisal agency's title, appraisal agency's organization mechanism code, contract award date, guaranty kind, Currency Type, the mortgage amount of money, registration authority, record date, guaranty explanation and contract effective status.
The described contract information of pledging comprises and pledges Contract NO, pledges sequence number, pledger's title, loan card coding, Currency Type, collateral security value, contract award date, collateral security kind, Currency Type, pledges the amount of money and contract effective status.
Described nature person's contract of guarantee information comprises contract of guarantee numbering, underwriter's title, type of credential, passport NO., Currency Type, guaranteed sum, contract award date, warranty form and contract effective status.
Described nature person's mortgage contract information comprises mortgage contract numbering, mortgage sequence number, pledgeor's title, type of credential, passport NO., Currency Type, guaranty estimated value, assessment date, appraisal agency's title, appraisal agency's organization mechanism code, contract award date, guaranty kind, Currency Type, the mortgage amount of money, registration authority, record date, guaranty explanation and contract effective status.
Described nature person pledges contract information and comprises and pledge Contract NO, pledge sequence number, pledger's title, type of credential, passport NO., Currency Type, collateral security value, contract award date, collateral security kind, Currency Type, pledge the amount of money and contract effective status.
-described money advanced for somebody to be paid back later information data item comprises borrower's title, loan card coding, money advanced for somebody to be paid back later kind, former service numbers, Currency Type, advance and money advanced for somebody to be paid back later date;
-described debit interest information data item comprises that Currency Type, debit interest remaining sum, debit interest type and debit interest remaining sum change the date;
-described disposal of bad loans information data item comprises remaining sum, disposes date, prime assets disposal options and reclaimed the amount of money;
(2) business information data item step (1) being collected deposits database in, for the inquiry of credit mechanism;
(3) business information data item manufacturing enterprise credit report step (1) being collected, for the inquiry of credit mechanism;
(4) business information data item compute associations enterprise step (1) being collected, according to the guarantee information recording in system, calculates the group of affiliated enterprise who has guarantee incidence relation, for the inquiry of credit mechanism.
The advantage that enterprise of the present invention credit information gathers integration method is as follows:
The credit mechanisms such as Yi Shiwei bank provide single household inquiry, as credit report, the detailed inquiry of borrower, for bank, understand risk exposure, risk signal, historical credit that corporate client manages it at him situation of honouring an agreement of grasping; For bank's comprehensive assessment corporate client asset-liabilities situation, contractual capacity provide significant data clue.Er Shi compute associations enterprise, according to the guarantee information recording in system, system-computed goes out to exist the group of affiliated enterprise of guarantee incidence relation, for identification affiliated enterprise of bank provides important references.The statistical study of the San Shiwei central bank provides data supporting.Indices in system, analyzes all types of enterprises of each department every profession and trade of financial institution to central bank statistics and obtains finance fund situation, and certain data supporting is provided.
Enterprise's credit information gathers and integration method, is that the credit mechanisms such as bank solve the most important thing in the strick precaution of corporate client credit risk and problem of management, and bank can solve the following aspects of Credit Risk Assessment of Enterprise by the method:
1, risk exposure
The credit remaining sum that may bear risk that risk exposure causes because of debtor's (corporate client) violations, refers to the actual risk of bearing, and is generally connected with particular risk.Utilize enterprise's credit information to gather the risk exposure that integration method can reflect, comprise current debt and the contingent liability of Ge credit mechanism of enterprise, specifically have:
(1) current debt: the current remaining sum of providing a loan, remaining sum is done in chatting of factoring, and discounted note is the normal discount amount of money, trade financing remaining sum, money advanced for somebody to be paid back later remaining sum and the debit interest amount of money;
(2) contingent liability: be the uncovered amount of assurance (the current debt of main business under amount) of other enterprise securities, collateralize, the assets of pledging, credit balance * (1-guaranty money ratio), bond amount * (1-guaranty money ratio), banker's acceptance bill amount of money * (1-guaranty money ratio).
Enterprise's credit information gathers integration method can reflect every business generation time point that has risk exposure, and the date (as receipt is made loans the date) occurs, and following time that may be lasting, i.e. clear date (as making loans the date of expiry).And the uncovered variation of whole service life cycle risk situation each time, each refund, quality of service variation wherein are all recorded faithfully and reflected.In addition, also can reflect risk exposure occurrence cause, why " borrow money ", as loan is invested; The compensatory information of third party after promise breaking, i.e. guarantee side, the Assets mortgaging, pledge.
2, Risk-warning signal
Enterprise credit information gathers integration method can externally reflect the Risk-warning signal of enterprise, mainly refers to the credit operation degradation that enterprise manages it at him, as five-category be adjusted to after three classes, kainogenesis money advanced for somebody to be paid back later, kainogenesis debit interest (growth of the debit interest amount of money); And the increasing substantially suddenly of risk exposure, as manageed it at him, increased the loan of a large amount newly; Three classes after the corresponding main business quality five-category of externally tendering guarantee is adjusted to, compensatory may raising.
3, the historical credit situation of honouring an agreement
Utilize enterprise credit information to gather integration method and can show enterprise's transaction with credit behavior of Yu Ge credit mechanism in history, the historical credit that can the disclose enterprise situation of honouring an agreement.The one, can provide magnanimity True Data to support for setting up enterprise's promise breaking model, two are to provide the violations clue to the banking establishments past, for further investigating factor behind, go back now possibility promise breaking factor.
4, affiliated enterprise
Utilize enterprise's credit information to gather integration method and gather guarantee information, except the information of external guarantee has the value that the risk exposure included in calculates, external guarantee wherein and by guarantee information, all embodied the affiliated enterprise that has guarantee relation, can excavate the whole group of affiliated enterprise and interrelated degree, specifically comprise that guarantor and debtor, guaranteed debt, guarantee amount (amount of money or mortgage, the article of pledging), the Time Created of guarantee relation, guarantee are related to the expected concluding time.
terminological interpretation:
" banking group sign ": indicate whether belong to consortium loan.
" level Four classification ": be one of sorting technique of loan assets quality, comprise normal, concern, suspicious, bad level Four.
" five-category ": one of sorting technique of loan assets quality, comprising: normal, concern, suspicious, secondary, loss Pyatyi.
" loan is invested ": with reference to GB < < industrial sectors of national economy classification > > (GB/T4754-2011), refine to group.
" loan card coding ": the loan card coding that is borrower.People's Bank of China is unified edits and releases the code to borrower, guarantor, investor, as the unique identification of Qi enterprise credit information.
Embodiment recited above is described the preferred embodiment of the present invention; not scope of the present invention is limited; design under spiritual prerequisite not departing from the present invention; various distortion and improvement that the common engineering technical personnel in this area make technical solution of the present invention, all should fall in the definite protection domain of claims of the present invention.
Claims (10)
1.Yi Zhong enterprise credit information gathers integration method, comprises the steps:
(1) gather the business information data item of enterprise's credit information;
Described business information data item comprises loan transaction information data item, factoring business information data item, discounted note business information data item, trade financing business information data item, letter of credit business information data item, letter of guarantee business information data item, banker's acceptance bill business information data item, guarantee information data item, money advanced for somebody to be paid back later information data item, debit interest information data item and disposal of bad loans information data item;
Described loan transaction information data item comprise contract information, contract value information, receipt information, refund information and the duration of an exhibition information;
Described factoring business information data item comprises factoring product type, factoring business state, borrower's title, loan card coding, Currency Type, chat do the amount of money, chat do the date, chat do remaining sum, remaining sum changes date, guarantee sign, money advanced for somebody to be paid back later sign, level Four classification and five-category;
Described discounted note business information data item comprises discount applicant title, loan card coding, accepter/row title, loan card coding, organization mechanism code, Currency Type, the discount amount of money, discount day, acceptance maturity day, denomination, bill state, level Four classification and five-category;
Described trade financing business information data item comprise financing agreement information, financing agreement amount information, provide financing services information, provide financing services refund information and the duration of an exhibition information;
Described letter of credit business information data item comprises borrower's title, loan card coding, Currency Type, the amount of money of opening L/C, issuing date, the validity of credit, letter of credit time limit of payment, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, letter of credit state, letter of credit cancelling date, credit balance, remaining sum reporting date and five-category;
Described letter of guarantee business information data item comprises borrower's title, loan card coding, letter of guarantee kind, letter of guarantee state, Currency Type, bond amount, letter of guarantee openning date, letter of guarantee date of expiry, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, letter of guarantee remaining sum, remaining sum generation date and five-category;
Described banker's acceptance bill business information data item comprises check drawer's title, loan card coding, Currency Type, the amount of draft, acceptance of bill of exchange day, due date of bill, payment of bill date, guaranty money's ratio, guarantee sign, money advanced for somebody to be paid back later sign, draft state and five-category;
Described guarantee information data item comprises contract of guarantee information, mortgage contract information, pledges contract information, nature person's contract of guarantee information, nature person's mortgage contract information and nature person pledge contract information;
Described money advanced for somebody to be paid back later information data item comprises borrower's title, loan card coding, money advanced for somebody to be paid back later kind, former service numbers, Currency Type, advance and money advanced for somebody to be paid back later date;
Described debit interest information data item comprises that Currency Type, debit interest remaining sum, debit interest type and debit interest remaining sum change the date;
Described disposal of bad loans information data item comprises remaining sum, disposes date, prime assets disposal options and reclaimed the amount of money;
(2) business information data item step (1) being collected deposits database in, for the inquiry of credit mechanism.
2. enterprise according to claim 1 credit information gathers integration method, it is characterized in that: also comprise step (3), the business information data item manufacturing enterprise credit report that step (1) is collected, for the inquiry of credit mechanism.
3. enterprise according to claim 1 credit information gathers integration method, it is characterized in that: also comprise step (4), the business information data item compute associations enterprise that step (1) is collected, according to the guarantee information recording in system, calculate the group of affiliated enterprise who has guarantee incidence relation, for the inquiry of credit mechanism.
4. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: the contract information of the loan transaction information data item in described step (1) comprises borrower's title, credit agreement number, loan agreement effective date, loan agreement date of expiry, banking group sign and guarantee sign;
Described contract value information comprises Currency Type, the loan agreement amount of money and available balance;
Described receipt information comprise receipt numbering, Currency Type, available balance, the loan receipt amount of money, loan receipt remaining sum, receipt make loans date, receipt make loans date of expiry, loan transaction kind, loan form, loan character, loan invest, loan kind, duration of an exhibition sign, level Four classification and five-category;
Described refund information comprises receipt numbering, refund date, refund number of times, mode of repayment and the refund amount of money;
Described duration of an exhibition, information comprised receipt numbering, duration of an exhibition number of times, the duration of an exhibition amount of money, duration of an exhibition from date and due date in the duration of an exhibition.
5. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: the financing agreement information of the trade financing business information data item in described step (1) comprises borrower's title, credit agreement number, financing agreement effective date, financing agreement date of expiry, guarantee sign and agreement effective status;
Described financing agreement amount information comprises Currency Type, the financing agreement amount of money and financing agreement remaining sum;
Described provide financing services information comprises and indicating in provide financing services numbering, provide financing services kind, Currency Type, the financing amount of money, financing remaining sum, provide financing services release date, provide financing services Close Date, the duration of an exhibition, level Four is classified and five-category;
Described provide financing services refund information comprises provide financing services numbering, refund number of times, the refund amount of money, refund date and mode of repayment;
Described duration of an exhibition, information comprised provide financing services numbering, duration of an exhibition number of times, the duration of an exhibition amount of money, duration of an exhibition from date and due date in the duration of an exhibition.
6. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: the contract of guarantee information of the guarantee information data item in described step (1) comprises contract of guarantee numbering, underwriter's title, loan card coding, Currency Type, guaranteed sum, contract award date, warranty form and contract effective status.
7. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: the mortgage contract information of the guarantee information data item in described step (1) comprises mortgage contract numbering, mortgage sequence number, pledgeor's title, loan card coding, Currency Type, guaranty estimated value, assessment date, appraisal agency's title, appraisal agency's organization mechanism code, contract award date, guaranty kind, Currency Type, the mortgage amount of money, registration authority, record date, guaranty explanation and contract effective status.
8. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: the contract information of pledging of the guarantee information data item in described step (1) comprises and pledges Contract NO, pledges sequence number, pledger's title, loan card coding, Currency Type, collateral security value, contract award date, collateral security kind, Currency Type, pledges the amount of money and contract effective status.
9. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: nature person's contract of guarantee information of the guarantee information data item in described step (1) comprises contract of guarantee numbering, underwriter's title, type of credential, passport NO., Currency Type, guaranteed sum, contract award date, warranty form and contract effective status.
10. according to the arbitrary described enterprise's credit information of claim 1～3, gather integration method, it is characterized in that: nature person's mortgage contract information of the guarantee information data item in described step (1) comprises mortgage contract numbering, mortgage sequence number, pledgeor's title, type of credential, passport NO., Currency Type, guaranty estimated value, assessment date, appraisal agency's title, appraisal agency's organization mechanism code, contract award date, guaranty kind, Currency Type, the mortgage amount of money, registration authority, record date, guaranty explanation and contract effective status;
The nature person of the guarantee information data item in described step (1) pledges contract information and comprises and pledge Contract NO, pledge sequence number, pledger's title, type of credential, passport NO., Currency Type, collateral security value, contract award date, collateral security kind, Currency Type, pledge the amount of money and contract effective status.
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| CN104851039A (en) * | 2015-04-28 | 2015-08-19 | 信而量数据科技(上海)有限公司 | Personal information data integration system and method |
| CN105787792A (en) * | 2014-12-26 | 2016-07-20 | 远光软件股份有限公司 | Information processing method of loan transaction and information processing device |
| WO2017100994A1 (en) * | 2015-12-15 | 2017-06-22 | 深圳市银信网银科技有限公司 | Big-data-based loan method and system |
| WO2017124244A1 (en) * | 2016-01-18 | 2017-07-27 | 阮元 | Method for pushing information during liability-based financing matching and smart financing system |
| CN107316237A (en) * | 2017-05-26 | 2017-11-03 | 中企云链（北京）金融信息服务有限公司 | Assignment of credit system and method for factoring again |
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| CN107909274A (en) * | 2017-11-17 | 2018-04-13 | 平安科技（深圳）有限公司 | Enterprise investment methods of risk assessment, device and storage medium |
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| CN109918639B (en) * | 2018-12-13 | 2024-02-13 | 北京海致星图科技有限公司 | Bank credit text analysis method based on deep learning technology and rule base |
| CN109784697A (en) * | 2018-12-29 | 2019-05-21 | 航天信息股份有限公司 | A kind of method and system determining integrated level for entity based on security information |
| CN109919757A (en) * | 2019-02-28 | 2019-06-21 | 中科云创(厦门)科技有限公司 | Data processing method and device applied to credit risk monitoring |
| CN110264338A (en) * | 2019-05-31 | 2019-09-20 | 众安信息技术服务有限公司 | A kind of pledge loaning bill method and system based on the logical card of block chain |
| CN110659984A (en) * | 2019-09-30 | 2020-01-07 | 上海淇玥信息技术有限公司 | Credit limit management method and device based on user life cycle prediction and electronic equipment |
| CN111222980A (en) * | 2019-12-31 | 2020-06-02 | 湖南大学 | Method and storage medium for performing discount under export credit item based on block chain |
| CN111222980B (en) * | 2019-12-31 | 2023-09-26 | 湖南大学 | Method for carrying out export credit item lower discount based on blockchain and storage medium |
| CN111523853B (en) * | 2020-04-14 | 2022-10-21 | 上海资信有限公司 | Management method for processing, sorting and storing enterprise credit information |
| CN111523853A (en) * | 2020-04-14 | 2020-08-11 | 上海资信有限公司 | Management method for processing, sorting and storing enterprise credit information |
| CN111639999B (en) * | 2020-04-16 | 2022-07-08 | 四川新网银行股份有限公司 | Credit deposit calculation method based on dynamic layering of customers |
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| CN112581256A (en) * | 2020-12-14 | 2021-03-30 | 中国建设银行股份有限公司 | Method, device, equipment and computer readable medium for processing credit line data |
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