CN104680297A - Evaluation system and evaluation method for credit rating - Google Patents
Evaluation system and evaluation method for credit rating Download PDFInfo
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- CN104680297A CN104680297A CN201310643286.0A CN201310643286A CN104680297A CN 104680297 A CN104680297 A CN 104680297A CN 201310643286 A CN201310643286 A CN 201310643286A CN 104680297 A CN104680297 A CN 104680297A
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Abstract
The invention provides an evaluation system for a credit rating. The evaluation system comprises a database, a rule setting module and a score calculation module, wherein the database is used for storing data related with credit information of an evaluated person; the rule setting module is used for extracting an index factor according to the data stored in the database and setting a corresponding evaluation rule; the score calculation module is used for monitoring an evaluation periodic thread, calculating scores obtained by the evaluated person according to the rule formulated by the rule setting module and giving out an evaluation result of the credit rating. Meanwhile, the invention also provides an evaluation method for the credit rating. The evaluation method comprises the following steps: S1, determining evaluating item large classes, evaluation item small classes, index items and index factors which participate in the evaluation according to the scoring rule; S2, setting an index item calculation formula, and determining a three-layer tree structure containing the index items, the evaluation item small classes and the evaluating item large classes; S3, calculating the scored obtained by the evaluated person, and outputting the evaluation result of the credit rating.
Description
Technical field
The present invention relates to credit rating technical field, particularly a kind of flexible configuration, the evaluation system fast accurately can evaluating the taxpaying credit grade of management taxpayer and evaluation method thereof.
Background technology
In tax control field, work taxpayer's credit grade being carried out evaluating to management is undertaken by mode manually mostly, evaluation process to comprise in priori information collection, thing information management and stage such as information inquiry afterwards, because the quantity of information related to is huge, treatment step is loaded down with trivial details, is therefore easy to cause the defect that work efficiency is low, error rate is high.
The software systems of current tax administration department application mainly comprise comprehensively levy and manage software systems, land tax of national tax and comprehensively to levy and manage software and anti-false tax-controlled system, due to the otherness of national tax data and land tax data, the evaluation mode taked when the tax affairs for both carries out credit rating also should be different.Therefore, how to utilize the ready-made data stored in said system automatically to carry out Credit Rank Appraisal by the mode of flexible configuration, reasonable computation, namely become the target that those skilled in the art are urgently to be resolved hurrily.
Summary of the invention
The object of the invention is the multiple data sources for the property of there are differences, the Credit Rank Appraisal system providing a kind of flexible configuration adjustable and evaluation method thereof.
For reaching above-mentioned purpose, first the present invention provides a kind of Credit Rank Appraisal system, comprising:
Database, for the data that the credit information stored to be evaluated people is relevant;
Rule arranges module, extracts index factor, and arrange corresponding evaluation rule for the index factor extracted according to the data stored in described database; Described index factor, refers to the statistics for a certain field stored in described database;
Score value computing module, arranges module with described rule and is connected, and on the one hand for monitoring evaluation cycle thread, the rule that another aspect arranges module formulation according to described rule calculates the institute's score value being evaluated people, thus provides Credit Rank Appraisal result.
According to the Credit Rank Appraisal system that the present invention proposes, described rule arranges that module comprises that index factor arranges module, the thin item of index arranges module, evaluation project group arranges module and the large class of evaluation project arranges module; The thin item of wherein said index arranges module for arranging the thin item of multiple index, and the thin item of each index is by calling corresponding index factor, and these index factors is carried out to formulae discovery obtains; Described evaluation project group arranges module for merging thin for multiple index item classification to obtain multiple evaluation project group; The large class of described evaluation project arrange module for by multiple evaluation project merging small cluster to obtain the large class of one or more evaluation projects.
According to the Credit Rank Appraisal system that the present invention proposes, described index factor comprises calculation type index factor and accumulative type index factor, described calculation type index factor refers to the index factor directly returning numerical value and participate in calculating, and described accumulative type index factor participates in the index factor calculated one by one after referring to and need returning set.
According to the Credit Rank Appraisal system that the present invention proposes, whether directly the thin item of described index defines the attribute of deciding grade and level, when the attribute of the thin item of certain index is for directly defining the level, and the direct output level evaluation result of described score value computing module.
The present invention simultaneously also provides a kind of method for evaluating credit rating, comprises the following steps:
The large class of evaluation project, evaluation project group, the thin item of index and the index factor that participate in evaluating is determined according to code of points; Wherein said index factor refers to the statistics for a certain field stored in database; The thin item of described index is by calling corresponding index factor, and these index factors is carried out to formulae discovery obtains; Described evaluation project group is the set comprising the thin item of one or more index; The large class of described evaluation project is the set comprising one or more evaluation project group;
The thin item computing formula of setting target, determines the three grades of tree structures comprising the thin item of specific targets, evaluation project group, the large class of evaluation project;
Calculate the institute's score value being evaluated people, export credit ranking results.
According to the method for evaluating credit rating that the present invention proposes, the thin item computing formula of described index refers to the formula of support arithmetic that the service index factor forms, Logic judgment.
According to the method for evaluating credit rating that the present invention proposes, described calculating is evaluated institute's score value of people, and export credit ranking results also comprises:
Judge Credit Rank Appraisal whether within the evaluation cycle, from database, if so, then extract the taxpayer participating in evaluation in batches, then circulating calculates the score value of the thin item of each taxpayer's index of correlation; Otherwise do not evaluate;
Judge whether the thin item of this index can directly define the level; If so, the direct score value according to the thin item of this index exports rating result; If not, thin for index of correlation item is integrated with the evaluation project group corresponding with it, the large class of evaluation project successively, carry out score value according to the large class of evaluation project again to gather, and calculate the scoring of large class according to standard score and upper and lower threshold values, last tax payment assessed people credit grade is marked and obtains credit rating.
According to the method for evaluating credit rating that the present invention proposes, described index factor comprises calculation type index factor and accumulative type index factor, described calculation type index factor refers to the index factor directly returning numerical value and participate in calculating, and described accumulative type index factor participates in the index factor calculated one by one after referring to and need returning set.
Compared with prior art, the Credit Rank Appraisal system that the present invention proposes and the evaluation method service index factor thereof provide data preparation and data mart modeling, and by index thin item, practical business is separated with data, contribute to business personnel and technician's project and assist and the division of labor.Meanwhile, although the present invention proposes for tax system, be not limited only to tax system, but possess general adaptability and replicability, the Credit Rank Appraisal problem of other industry can be solved equally.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of the Credit Rank Appraisal system of one embodiment of the invention;
Fig. 2 is the schematic diagram of three grades of tree structures of the credit rating rule of one embodiment of the invention;
Fig. 3 is the process flow diagram of the method for evaluating credit rating of one embodiment of the invention;
Fig. 4 is the process flow diagram of step S3 in the method for evaluating credit rating of one embodiment of the invention.
Description of reference numerals: 10-database; 20-rule arranges module; 21-index factor arranges module; The thin item of 22-index arranges module; 23-evaluates project group and arranges module; 24-evaluates the large class of project and arranges module; 30-score value computing module.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not paying the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The solution of the present invention mainly index factor as participating in, the elementary cell of rating calculation realizes.So-called index factor refers to the statistics of a certain field in information database, and the employment volume as certain community is added up, or certain cardholder not refund number of times statistics etc. on time.According to the difference of Credit Rank Appraisal content, different code of points can be set up, select different index factors to participate in calculating.Index factor can pass through Structured Query Language (SQL) (SQL) and obtain, it is specifically divided into again calculation type index factor and accumulative type index factor two kinds, described calculation type index factor refers to the index factor directly returning numerical value and participate in calculating, and described accumulative type index factor participates in the index factor calculated one by one after referring to and need returning set.
Referring to Fig. 1 below, is the structured flowchart of the embodiment of Credit Rank Appraisal system of the present invention.As shown in Figure 1, the present invention mainly comprises database 10, rule arranges module 20 and score value computing module 30.Database 10 to be paid taxes the information such as data, taxpayer's national tax identifier, taxpayer's land tax identifier and scoring cycle for providing pay taxes data, land tax of national tax.The rule observed when rule arranges module 20 for formulating credit rating, comprises that index factor arranges module 21, the thin item of index arranges module 22, evaluation project group arranges module 23 and arrange module 24 with the large class of evaluation project.Index factor arranges module 21 for arranging the script extracting critical data from database 10; The thin item of index arranges module 22 and uses some index factors to arrange computing formula according to rule, the elementary cell called when calculating score value as score value computing module 30; Evaluation project group arranges module 23 and the large class of evaluation project, and to arrange module 24 be that the operation level carried out according to tax bureau's business rule divides, wherein the large class of evaluation project arranges module 24 and defines standard score and upper and lower threshold values, thus control score value remains within zone of reasonableness.In general, the thin item of index, formation three grades of tree structures between evaluation project group and the large class of evaluation project, specifically refer to Fig. 2.
Score value computing module 30 and rule arrange module 20 and are connected, and it mainly possesses two functions, and one is the function monitoring evaluation cycle thread, and two is score value computing functions.The function of monitoring evaluation cycle thread is mainly responsible for monitoring the evaluation cycle, after the evaluation cycle starts, then calls score value computing function and carries out score value calculating, thus draw Credit Rank Appraisal result.
In addition for above-mentioned Credit Rank Appraisal system, the present invention correspondingly also proposed a kind of method for evaluating credit rating, refers to Fig. 3, comprises the steps:
S1: determine the large class of evaluation project, evaluation project group, the thin item of index and the index factor that participate in evaluating according to code of points; Wherein said index factor refers to the statistics for a certain field stored in database; The thin item of described index is by calling corresponding index factor, and these index factors is carried out to formulae discovery obtains; Described evaluation project group is the set comprising the thin item of one or more index; The large class of described evaluation project is the set comprising one or more evaluation project group;
S2: the thin item computing formula of setting target, determines the three grades of tree structures comprising the thin item of specific targets, evaluation project group, the large class of evaluation project;
S3: calculate the institute's score value being evaluated people, export credit ranking results.
Wherein step S3 is mainly realized by previously described score value computing module 30.Refer to Fig. 4, the specific works process of step S3 is as follows:
S31: judge Credit Rank Appraisal whether within the evaluation cycle, if so, performs step S31; Then do not evaluate if not;
S32: in batches extract the taxpayer participating in evaluation from database, then circulating calculates the score value of the thin item of each taxpayer's index of correlation;
S33: judge whether the thin item of this index can directly define the level; If so, the direct score value according to the thin item of this index exports rating result; If not, S33 is performed;
S34: thin for index of correlation item is integrated with the evaluation project group corresponding with it, the large class of evaluation project successively, carry out score value according to the large class of evaluation project again to gather, and calculating the scoring of large class according to standard score and upper and lower threshold values, last tax payment assessed people credit grade is marked and obtains credit rating.
In sum, the Credit Rank Appraisal system that the present invention proposes and the evaluation method service index factor thereof provide data preparation and data mart modeling, and by index thin item, practical business is separated with data, contribute to business personnel and technician's project and assist and the division of labor.Meanwhile, although the present invention proposes for tax system, be not limited only to tax system, but possess general adaptability and generalization, the Credit Rank Appraisal problem of other industry can be solved equally.
One of ordinary skill in the art will appreciate that: accompanying drawing is the schematic diagram of an embodiment, the module in accompanying drawing or flow process might not be that enforcement the present invention is necessary.
One of ordinary skill in the art will appreciate that: the module in the device in embodiment can describe according to embodiment and be distributed in the device of embodiment, also can carry out respective change and be arranged in the one or more devices being different from the present embodiment.The module of above-described embodiment can merge into a module, also can split into multiple submodule further.
Last it is noted that above embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in previous embodiment, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of embodiment of the present invention technical scheme.
Claims (8)
1. a Credit Rank Appraisal system, is characterized in that, comprising:
Database, for the data that the credit information stored to be evaluated people is relevant;
Rule arranges module, extracts index factor, and arrange corresponding evaluation rule for the index factor extracted according to the data stored in described database; Described index factor, refers to the statistics for a certain field stored in described database;
Score value computing module, arranges module with described rule and is connected, and on the one hand for monitoring evaluation cycle thread, the rule that another aspect arranges module formulation according to described rule calculates the institute's score value being evaluated people, thus provides Credit Rank Appraisal result.
2. Credit Rank Appraisal system according to claim 1, is characterized in that, described rule arranges that module comprises that index factor arranges module, the thin item of index arranges module, evaluation project group arranges module and the large class of evaluation project arranges module; The thin item of wherein said index arranges module for arranging the thin item of multiple index, and the thin item of each index is by calling corresponding index factor, and these index factors is carried out to formulae discovery obtains; Described evaluation project group arranges module for merging thin for multiple index item classification to obtain multiple evaluation project group; The large class of described evaluation project arrange module for by multiple evaluation project merging small cluster to obtain the large class of one or more evaluation projects.
3. Credit Rank Appraisal system according to claim 1, it is characterized in that, described index factor comprises calculation type index factor and accumulative type index factor, described calculation type index factor refers to the index factor directly returning numerical value and participate in calculating, and described accumulative type index factor participates in the index factor calculated one by one after referring to and need returning set.
4. Credit Rank Appraisal system according to claim 2, is characterized in that, whether directly the thin item of described index defines the attribute of deciding grade and level, when the attribute of the thin item of certain index is for directly defining the level, and the direct output level evaluation result of described score value computing module.
5. a method for evaluating credit rating, is characterized in that, comprises the following steps:
The large class of evaluation project, evaluation project group, the thin item of index and the index factor that participate in evaluating is determined according to code of points; Wherein said index factor refers to the statistics for a certain field stored in database; The thin item of described index is by calling corresponding index factor, and these index factors is carried out to formulae discovery obtains; Described evaluation project group is the set comprising the thin item of one or more index; The large class of described evaluation project is the set comprising one or more evaluation project group;
The thin item computing formula of setting target, determines the three grades of tree structures comprising the thin item of specific targets, evaluation project group, the large class of evaluation project;
Calculate the institute's score value being evaluated people, export credit ranking results.
6. method for evaluating credit rating according to claim 5, is characterized in that, the thin item computing formula of described index refers to the formula of support arithmetic that the service index factor forms, Logic judgment.
7. method for evaluating credit rating according to claim 5, is characterized in that, described calculating is evaluated institute's score value of people, and export credit ranking results also comprises:
Judge Credit Rank Appraisal whether within the evaluation cycle, if so, perform the taxpayer extracting from database in batches and participate in evaluation, then circulating calculates the score value of the thin item of each taxpayer's index of correlation; Otherwise do not evaluate;
Judge whether the thin item of this index can directly define the level; If so, the direct score value according to the thin item of this index exports rating result; If not, thin for index of correlation item is integrated with the evaluation project group corresponding with it, the large class of evaluation project successively, carry out score value according to the large class of evaluation project again to gather, and calculate the scoring of large class according to standard score and upper and lower threshold values, last tax payment assessed people credit grade is marked and obtains credit rating.
8. method for evaluating credit rating according to claim 5, it is characterized in that, described index factor comprises calculation type index factor and accumulative type index factor, described calculation type index factor refers to the index factor directly returning numerical value and participate in calculating, and described accumulative type index factor participates in the index factor calculated one by one after referring to and need returning set.
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| CN108876101A (en) * | 2018-05-02 | 2018-11-23 | 宁波弘泰水利信息科技有限公司 | Water conservancy construction market credit dynamic evaluation method and credit information management system |
| CN109583773A (en) * | 2018-12-04 | 2019-04-05 | 税友软件集团股份有限公司 | A kind of method, system and relevant apparatus that taxpaying credit integral is determining |
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