CN105447752A - Information sharing based enterprise credit assessment system - Google Patents
Information sharing based enterprise credit assessment system Download PDFInfo
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- CN105447752A CN105447752A CN201510909273.2A CN201510909273A CN105447752A CN 105447752 A CN105447752 A CN 105447752A CN 201510909273 A CN201510909273 A CN 201510909273A CN 105447752 A CN105447752 A CN 105447752A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention discloses an information sharing based enterprise credit assessment system. The system comprises a collector, a network database, a plurality of credit assessment apparatuses and a plurality of data collector. The collector is networked and used for capturing network information related to enterprise credit. the network database is connected to the collector and used for storing the network information captured by the collector and assessment report type information generated by the credit assessment apparatuses. The credit assessment apparatuses are all connected to the network database. The data collectors are connected to the credit assessment apparatuses in a one-to-one correspondence way. The data collectors are used for collecting enterprise internal data, and the credit assessment apparatuses are used for assessing a to-be-assessed enterprise according to the network information stored in the network database and the enterprise internal data, and storing the generated assessment report type information into the network database. The system disclosed by the present invention is capable of sharing assessment data used by each credit assessment apparatus and thus improving credit assessment efficiency.
Description
Technical field
The present invention relates to rating business credit technical field, particularly relate to a kind of rating business credit system based on information commons.
Background technology
Rating business credit is the important step that commercial bank carries out in credit operation, the accuracy of rating business credit and assess effectiveness is directly affected to the success or failure of loan transaction.
In present rating business credit system, each evaluating system is often independent to be assessed enterprise to be assessed, when different appraisal agencies assesses same enterprise, needs to carry out repeatedly information search to enterprise to be assessed, and does not have reference each other.Easily cause the wasting of resources in this assessment mode, and the easy factor data of single appraisal agency does not cause credit evaluation inaccurate comprehensively.
Summary of the invention
Based on the technical matters that background technology exists, the present invention proposes a kind of rating business credit system based on information commons.
A kind of rating business credit system based on information commons that the present invention proposes, comprises and collects device, data acquisition unit, credit evaluation device and public database;
Collect device networking to arrange, its first data message relevant to business standing according to the first collection model collection preset;
Public database is connected with collection device, and it is for storing the first data message;
Data acquisition unit gathers the second relevant data message of business standing to be assessed according to the second collection model preset;
Credit evaluation device is connected with data acquisition unit and public database respectively, and it carries out credit evaluation according to the first data message and the second data message to enterprise to be assessed, and generates assessment report;
Public database is also connected with credit evaluation device, and it is also for storing the assessment report of credit evaluation device.
Preferably, credit evaluation device comprises the first data extractor, data image district, data acquisition module, the first data-carrier store, credit preliminary assessment module, preliminary assessment report generation module, the second data-carrier store, the second data extractor, rating business credit module and assessment report generation module;
Data acquisition unit needs according to assessment side the credit data information gathering enterprise to be assessed;
First data extractor is connected with public database, data image district is connected with data acquisition unit, the first data extractor, data acquisition module is connected with data image district, first data-carrier store and the second data-carrier store all with data acquisition model calling, credit preliminary assessment module is connected with the first data-carrier store, preliminary assessment report generation module and credit preliminary assessment model calling;
Second data extractor and the second data extractor, credit preliminary assessment model calling, rating business credit module is connected with the second data extractor, and assessment report generation module is connected with rating business credit module, public database.
Preferably, the first data extractor extracts the data message relevant to enterprise to be assessed from network data base, the information that data image district storage data acquisition unit collects and the information that the first data extractor is extracted; The data of data acquisition module to data MIRROR SITE sort, and the assessment report class data message after sorting is deposited into the first data-carrier store, and the non-assessment report category information after sorting is deposited into the second data-carrier store; Credit preliminary assessment module is extracted the data message in the first data-carrier store and is carried out entry evaluation according to this information to enterprise to be assessed, and extracts order according to assessment result to the second data extractor transmission or assessment result sent to preliminary assessment report generation module;
Second data extractor is according to the extraction order of the information preliminary assessment module received, the information data of enterprise to be assessed is extracted from the second data-carrier store, rating business credit module obtains the data message that the second data extractor is extracted, and carries out credit evaluation according to this information to enterprise to be assessed; Assessment report generation module produces assessment report according to the assessment result of rating business credit module, and is deposited in public database by assessment report.
Preferably, according to the assessment result in assessment report class data message, credit preliminary assessment module judges that enterprise to be assessed is the need of further assessment.
Preferably, rating business credit module distributes credit value A to each non-assessment report category information that the second data extractor is extracted
iwith weighted value ω
i; And the credit rating S=Σ (A of enterprise to be assessed is calculated according to the credit value of non-assessment report category information and weighted value
iω
i), wherein, i>=1.
Preferably, when the information grabbed is stored in public database by collection device, the information in this network information and public database is contrasted, if there is identical information, then no longer stores this information; If without identical information, then this information is stored in network data base.
Preferably, collect device and capture credit information of enterprise from network in interval at preset timed intervals.
Preferably, the data message containing business standing degree, assessment report category information distinguishing mark and this credit rating institute foundation in assessment report category information.
Preferably, when the information collected is stored into data image district by data acquisition unit, the storage information in this information and date MIRROR SITE is contrasted one by one, if there is identical information, then replaces; If there is not identical information, then this information is stored into data image district.
Preferably, often complete a rating business credit, corresponding data image district, the first data-carrier store and the second data-carrier store all empty.
Compared with prior art, the present invention has following beneficial effect:
Due to the network information collecting device crawl is all stored in network data base, each credit evaluation device all carrys out obtaining information by network data base and data acquisition unit, thus can ensure that the assessment that each credit evaluation device can not cause because image data is not enough is inaccurate.Meanwhile, by community network database, information acquisition when different credit evaluation device is assessed same enterprise can be reduced, reduce the wasting of resources.Each credit evaluation device is after once having assessed, an assessment report category information can be produced, and this assessment report category information is stored in network data base, be convenient to other credit evaluation device references when assessing same enterprise, to improve the efficiency of assessment.
Accompanying drawing explanation
Fig. 1 is a kind of rating business credit system architecture schematic diagram based on information commons provided by the invention;
Fig. 2 is the credit evaluation apparatus structure schematic diagram of a kind of rating business credit system based on information commons provided by the invention.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with accompanying drawing, specific embodiment is described in detail.
As shown in Figure 1, Fig. 1 is a kind of rating business credit system architecture schematic diagram based on information commons that the present invention proposes, and comprises and collects device, data acquisition unit, credit evaluation device and public database.
Collect device networking to arrange, its first data message relevant to business standing according to the first collection model collection preset.During concrete enforcement, collect in device and be preset with the time interval, collect device and capture the data relevant to business standing by this time interval from network.When the information grabbed is stored in public database by collection device, the information in this network information and public database is contrasted, if there is identical information, then no longer stores this information; If without identical information, then this information is stored in network data base.So, the credit data information of each enterprise of real-time update can be ensured, improve the promptness of institute's usage data in evaluation process.
Data acquisition unit gathers the second relevant data message of business standing to be assessed according to the second collection model preset.Assessment process in, data acquisition unit according to assessment be concerned about data message type can be set, collector according to assessment side need carry out data acquisition.So, can different for stressed data message according to different sides to be assessed time, collector can according to the corresponding data of needs collection of assessment side.
Credit evaluation device is connected with data acquisition unit and public database respectively, and it carries out credit evaluation according to the first data message and the second data message to enterprise to be assessed, and generates assessment report.
Public database is connected with collection device, credit evaluation device, it collects the assessment report of the data message collected of device and credit evaluation device for storing, the data message that credit evaluation device collects according to data acquisition unit and the information extracted from public database carry out credit evaluation to enterprise to be assessed.During concrete enforcement, multiple credit evaluation device is all connected with public database, so, can ensure that each credit evaluation device all can extract the credit data of enterprise to be assessed from public database, and credit evaluation report is stored in public database, be convenient to data message in public database for different credit evaluation device.
As shown in Figure 2, Fig. 2 is the credit evaluation apparatus structure schematic diagram of a kind of rating business credit system based on information commons provided by the invention.In present embodiment, credit evaluation device comprises the first data extractor, data image district, data acquisition module, the first data-carrier store, credit preliminary assessment module, preliminary assessment report generation module, the second data-carrier store, the second data extractor, rating business credit module and assessment report generation module.
Data acquisition unit needs according to assessment side the credit data information gathering enterprise to be assessed.When the information collected is stored into data image district by data acquisition unit, the storage information in this information and date MIRROR SITE is contrasted one by one, if there is identical information, then replaces; If there is not identical information, then this information is stored into data image district.So, can prevent data collector from being repeated by same data message to store.
First data extractor is connected with public database, data image district is connected with data acquisition unit, the first data extractor, data acquisition module is connected with data image district, first data-carrier store and the second data-carrier store all with data acquisition model calling, credit preliminary assessment module is connected with the first data-carrier store, preliminary assessment report generation module and credit preliminary assessment model calling.
Second data extractor and the second data extractor, credit preliminary assessment model calling, rating business credit module is connected with the second data extractor, and assessment report generation module is connected with rating business credit module, public database.
First data extractor extracts the data message relevant to enterprise to be assessed from network data base, the information that data image district storage data acquisition unit collects and the information that the first data extractor is extracted.The data of data acquisition module to data MIRROR SITE sort, and the assessment report class data message after sorting is deposited into the first data-carrier store, and the non-assessment report category information after sorting is deposited into the second data-carrier store; Credit preliminary assessment module is extracted the data message in the first data-carrier store and is carried out entry evaluation according to this information to enterprise to be assessed, and judges that enterprise to be assessed is the need of further assessment according to the assessment result in assessment report class data message.Credit preliminary assessment module sends extraction according to assessment result to the second data extractor and orders or assessment result sent to preliminary assessment report generation module.By credit preliminary assessment module, directly can judge that credit crosses difference or the good enterprise of credit, thus improve the efficiency of credit evaluation.
Second data extractor is according to the extraction order of the information preliminary assessment module received, the information data of enterprise to be assessed is extracted from the second data-carrier store, rating business credit module obtains the data message that the second data extractor is extracted, and carries out credit evaluation according to this information to enterprise to be assessed.During concrete enforcement, rating business credit module distributes credit value A to each non-assessment report category information that the second data extractor is extracted
iwith weighted value ω
i; And the credit rating S=Σ (A of enterprise to be assessed is calculated according to the credit value of non-assessment report category information and weighted value
iω
i), wherein, i>=1.
Assessment report generation module produces assessment report according to the assessment result of rating business credit module, and is deposited in public database by assessment report.During concrete enforcement, the data message containing business standing degree, assessment report category information distinguishing mark and this credit rating institute foundation in assessment report category information.
In present embodiment, after each credit evaluation device completes a rating business credit, corresponding data image district, the first data-carrier store and the second data-carrier store all empty.
The above; be only the present invention's preferably embodiment; but protection scope of the present invention is not limited thereto; anyly be familiar with those skilled in the art in the technical scope that the present invention discloses; be equal to according to technical scheme of the present invention and inventive concept thereof and replace or change, all should be encompassed within protection scope of the present invention.
Claims (10)
1. based on a rating business credit system for information commons, it is characterized in that: collect device, data acquisition unit, credit evaluation device and public database;
Collect device networking to arrange, its first data message relevant to business standing according to the first collection model collection preset;
Public database is connected with collection device, and it is for storing the first data message;
Data acquisition unit gathers the second relevant data message of business standing to be assessed according to the second collection model preset;
Credit evaluation device is connected with data acquisition unit and public database respectively, and it carries out credit evaluation according to the first data message and the second data message to enterprise to be assessed, and generates assessment report;
Public database is also connected with credit evaluation device, and it is also for storing the assessment report of credit evaluation device.
2. the rating business credit system based on information commons according to claim 1, is characterized in that: credit evaluation device comprises the first data extractor, data image district, data acquisition module, the first data-carrier store, credit preliminary assessment module, preliminary assessment report generation module, the second data-carrier store, the second data extractor, rating business credit module and assessment report generation module;
Data acquisition unit needs according to assessment side the credit data information gathering enterprise to be assessed;
First data extractor is connected with public database, data image district is connected with data acquisition unit, the first data extractor, data acquisition module is connected with data image district, first data-carrier store and the second data-carrier store all with data acquisition model calling, credit preliminary assessment module is connected with the first data-carrier store, preliminary assessment report generation module and credit preliminary assessment model calling;
Second data extractor and the second data extractor, credit preliminary assessment model calling, rating business credit module is connected with the second data extractor, and assessment report generation module is connected with rating business credit module, public database.
3. the rating business credit system based on information commons according to claim 2, it is characterized in that: the first data extractor extracts the data message relevant to enterprise to be assessed from network data base, the information that data image district storage data acquisition unit collects and the information that the first data extractor is extracted; The data of data acquisition module to data MIRROR SITE sort, and the assessment report class data message after sorting is deposited into the first data-carrier store, and the non-assessment report category information after sorting is deposited into the second data-carrier store; Credit preliminary assessment module is extracted the data message in the first data-carrier store and is carried out entry evaluation according to this information to enterprise to be assessed, and extracts order according to assessment result to the second data extractor transmission or assessment result sent to preliminary assessment report generation module;
Second data extractor is according to the extraction order of the information preliminary assessment module received, the information data of enterprise to be assessed is extracted from the second data-carrier store, rating business credit module obtains the data message that the second data extractor is extracted, and carries out credit evaluation according to this information to enterprise to be assessed; Assessment report generation module produces assessment report according to the assessment result of rating business credit module, and is deposited in public database by assessment report.
4. the rating business credit system based on information commons according to claim 3, is characterized in that: according to the assessment result in assessment report class data message, credit preliminary assessment module judges that enterprise to be assessed is the need of further assessment.
5. the rating business credit system based on information commons according to claim 3, is characterized in that: rating business credit module distributes credit value A to each non-assessment report category information that the second data extractor is extracted
iwith weighted value ω
i; And the credit rating S=Σ (A of enterprise to be assessed is calculated according to the credit value of non-assessment report category information and weighted value
iω
i), wherein, i>=1.
6. the rating business credit system based on information commons according to claim 1, it is characterized in that: when the information grabbed is stored in public database by collection device, information in this network information and public database is contrasted, if there is identical information, then no longer stores this information; If without identical information, then this information is stored in network data base.
7. the rating business credit system based on information commons according to claim 1, is characterized in that: collect device and capture credit information of enterprise from network in interval at preset timed intervals.
8. the rating business credit system based on information commons according to claim 1, is characterized in that: the data message containing business standing degree, assessment report category information distinguishing mark and this credit rating institute foundation in assessment report category information.
9. the rating business credit system based on information commons according to claim 1, it is characterized in that: when the information collected is stored into data image district by data acquisition unit, storage information in this information and date MIRROR SITE is contrasted one by one, if there is identical information, then replace; If there is not identical information, then this information is stored into data image district.
10. the rating business credit system based on information commons according to claim 1, it is characterized in that: often complete a rating business credit, corresponding data image district, the first data-carrier store and the second data-carrier store all empty.
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|---|---|---|---|
| CN201510909273.2A CN105447752A (en) | 2015-12-08 | 2015-12-08 | Information sharing based enterprise credit assessment system |
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| CN201510909273.2A CN105447752A (en) | 2015-12-08 | 2015-12-08 | Information sharing based enterprise credit assessment system |
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| CN106127363A (en) * | 2016-06-12 | 2016-11-16 | 腾讯科技（深圳）有限公司 | A kind of user credit appraisal procedure and device |
| CN113034271A (en) * | 2021-04-23 | 2021-06-25 | 天道金科股份有限公司 | Enterprise credit evaluation system based on big data |
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Inventor after: Xu Wei Inventor before: Xu Rongjing |
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Effective date of registration: 20161230 Address after: 230000 Anhui province high tech Zone National University Science and Technology Park Business Incubator Center C District, the first layer of college students dream factory, station 9, No. 10, No. Applicant after: Hefei intellectual property Mdt InfoTech Ltd Address before: 230000 Hefei science and technology zone, Anhui province high tech Road, room 107, No. 701 Applicant before: ANHUI RONGXIN JINMO INFORMATION TECHNOLOGY CO., LTD. |
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Application publication date: 20160330 |