CN105654374A - Credit assessment system for medium-sized and small enterprises - Google Patents
Credit assessment system for medium-sized and small enterprises Download PDFInfo
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- CN105654374A CN105654374A CN201510998489.0A CN201510998489A CN105654374A CN 105654374 A CN105654374 A CN 105654374A CN 201510998489 A CN201510998489 A CN 201510998489A CN 105654374 A CN105654374 A CN 105654374A
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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
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Abstract
The invention discloses a credit assessment system for medium-sized and small enterprises. The credit assessment system comprises the components of a first data collector, a second data collector, a third data collector, a credit determining module, a data storage module, a data extraction module, a personal credit assessment module, an enterprise operation credit assessment module, a credit assessment module and a report generating module. The data storage module is electrically connected with the first data collector. The credit determining module is electrically connected with a second data collector and the third data collector. The data storage module is electrically connected with the credit determining module. The data extraction module is electrically connected with the data storage module. The personal credit assessment module is electrically connected with the data extraction module. The enterprise operation credit assessment module is electrically connected with the data extraction module. The credit assessment module is electrically connected with the personal credit assessment module and the enterprise operation credit assessment module. The report generating module is used for generating an enterprise credit assessment report according to the calculating result of the credit assessment module. The credit assessment system can perform accurate assessment on the credits of the medium-sized and small enterprises.
Description
Technical field
The present invention relates to enterprise's technical field of risk control, particularly relate to a kind of medium-sized and small enterprises credit evaluation system.
Background technology
Medium-sized and small enterprises are economic units all smaller in staff size, asset size and scale of operation compared with the large enterprises of the industry. This type of enterprise usually can provide with funds by single people or a few peoples and form, and it is all little that it employs number and volume of business, is therefore directly manage by owner mostly on managing, by extraneous interfere less. Medium-sized and small enterprises be implement popular to start an undertaking, the important carrier of millions of people innovation, creating more jobs, boost economic growth, there is irreplaceable effect in scientific and technical innovation and social harmony are stablized etc., national economy and social development is had important strategic importance.
But medium-sized and small enterprises but face the problem of financing difficulties in the process of development, this mainly because development time of medium-sized and small enterprises shorter, various data are less, especially same financial institution is less to the historical data accumulation of medium-sized and small enterprises, and what the information of financial institution's major part in the process assessed by medium-sized and small enterprises all directly obtained from medium-sized and small enterprises, part medium-sized and small enterprises provide the information being beneficial to oneself as far as possible to obtain loan as early as possible and do not provide or provide on a small quantity the information being unfavorable for oneself, this kind of information asymmetry can strengthen the lending risk of financial institution. meanwhile, for medium-sized and small enterprises, the decision-making of corporate behavior often only depends on whether legal person keeps one's word, and the assessment of the credit of Enterprise as a Legal Person often plays keying action for the assessment of enterprise's credit.
Summary of the invention
Based on the technical problem that background technology exists, the present invention proposes a kind of medium-sized and small enterprises credit evaluation system.
A kind of medium-sized and small enterprises credit evaluation system that the present invention proposes, comprises the first data acquisition unit, the 2nd data acquisition unit, the 3rd data acquisition unit, credible judgement module, data memory module, data extraction module, personal credit file module, enterprise operation credit evaluation module, credit evaluation module and report generation module;
First data acquisition unit borrows refund information and communication fee to be in arrears with information for gathering the credit card of Enterprise as a Legal Person to be assessed;
2nd data acquisition unit is for gathering the payment information of enterprise to be assessed;
3rd data acquisition unit is used for gathering the payment information of enterprise to be assessed from the unit relevant to each payment information of enterprise to be assessed;
Data memory module is electrically connected with the first data acquisition unit, its data collected for storing the first data acquisition unit;
Credible judgement module is electrically connected with the 2nd data acquisition unit, the 3rd data acquisition unit, and the confidence level of at least part of data that the 2nd data acquisition unit collects is judged by it for the data collected according to the first data acquisition unit;
Data memory module is electrically connected with credible judgement module, and it is also for storing the trust data after credible judgement module judges;
Data extraction module is electrically connected with data memory module, and it for extracting data from data memory module;
Personal credit file model is electrically connected with data extraction module, and personal credit file model obtains the credit information relevant to Enterprise as a Legal Person to be assessed from data extraction module, and Enterprise as a Legal Person's credit to be assessed is calculated according to this information; Enterprise operation credit evaluation model is electrically connected with data extraction module, and enterprise operation credit evaluation model obtains the payment information of enterprise to be assessed from data extraction module, and enterprise operation credit is calculated according to this information;
Credit evaluation module is electrically connected with personal credit file model, enterprise operation credit evaluation model, and it is for carrying out weighted sum calculating to the calculation result of the calculation result of personal credit file model and enterprise operation credit evaluation model;
Report generation module is used for the calculation result according to credit evaluation module and produces rating business credit report.
Preferably, the payment of corporate payments information water power and be in arrears with information, contract fulfillment information that tax information, purchase raw material are bought on dredit in information and business associate.
Preferably, also comprising data filter module, data filter module is connected between the first data acquisition unit and data memory module, its repeating data collected for filtering first data acquisition unit.
Preferably, 3rd data acquisition unit gathers corresponding information to be assessed from the unit relevant to each payment information of enterprise to be assessed at least partly, the data that credible judgement module acquisition the 2nd data acquisition unit collects and the data that the 3rd data acquisition unit collects, the data that each data collected by 3rd data acquisition unit collect with the 2nd corresponding data acquisition unit compare, and judge that whether each data that the 2nd data acquisition unit collects are credible according to comparative result respectively.
Preferably, credible judgement module presets the first multiplier value and the 2nd multiplier value, its the 2nd data gathering to data between the data that sum the 2nd multiplier value of the data that the first multiplier value collects with the 3rd corresponding data acquisition unit collects with the 3rd corresponding data acquisition unit long-pending between time, the data that the 2nd data acquisition unit collects are set to trust data.
Preferably, weighted sum calculation result is compared by report generation module with the multiple credit values preset, when weighted sum calculation result is between adjacent two default credit values, generates the credit rating that these adjacent two preset values are corresponding, and produce corresponding assessment report.
Preferably, the 3rd data acquisition unit gathers the payment data of enterprise to be assessed according to the title of enterprise to be assessed or organization mechanism code from the water-supplying unit of correspondence, national grid, tax mechanism of country and cooperative enterprise.
Compared with prior art, the present invention has following useful effect:
A kind of medium-sized and small enterprises credit evaluation system provided by the invention, by the first data acquisition unit, the credit data of Enterprise as a Legal Person is gathered, the payment information of enterprise to be assessed is gathered, and the enterprise that the 2nd data acquisition unit collects is carried out credible judgement by the information collected by the 3rd data acquisition unit by the 2nd data acquisition unit. Thus ensure the confidence level of data, and to carry out weighted sum to the credit in the credit of Enterprise as a Legal Person and business transaction process in the way of weighting. Taken into account the credit in the credit of legal person and business transaction, therefore, it is possible to accurately evaluate the medium-sized and small enterprises in enterprise to be assessed simultaneously.
Accompanying drawing explanation
Fig. 1 is the structural representation of a kind of medium-sized and small enterprises credit evaluation system that the present invention proposes.
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 medium-sized and small enterprises credit evaluation system that the present invention proposes, and comprises the first data acquisition unit, the 2nd data acquisition unit, the 3rd data acquisition unit, credible judgement module, data memory module, data extraction module, personal credit file module, enterprise operation credit evaluation module, data filter module, credit evaluation module and report generation module.
First data acquisition unit borrows refund information and communication fee to be in arrears with information for gathering the credit card of Enterprise as a Legal Person to be assessed.
2nd data acquisition unit is for gathering the payment information of enterprise to be assessed. The payment of corporate payments information water power and be in arrears with information, contract fulfillment information that tax information, purchase raw material are bought on dredit in information and business associate.
3rd data acquisition unit is used for gathering the payment information of enterprise to be assessed from the unit relevant to each payment information of enterprise to be assessed. 3rd data acquisition unit gathers the payment data of enterprise to be assessed according to the title of enterprise to be assessed or organization mechanism code from the water-supplying unit of correspondence, national grid, tax mechanism of country and cooperative enterprise.
Data memory module is electrically connected with the first data acquisition unit, its data collected for storing the first data acquisition unit. Data filter module is connected between the first data acquisition unit and data memory module, its repeating data collected for filtering first data acquisition unit.
Credible judgement module is electrically connected with the 2nd data acquisition unit, the 3rd data acquisition unit, and the confidence level of at least part of data that the 2nd data acquisition unit collects is judged by it for the data collected according to the first data acquisition unit.
When specifically implementing, 3rd data acquisition unit gathers corresponding information to be assessed from the unit relevant to each payment information of enterprise to be assessed at least partly, the data that credible judgement module acquisition the 2nd data acquisition unit collects and the data that the 3rd data acquisition unit collects, the data that each data collected by 3rd data acquisition unit collect with the 2nd corresponding data acquisition unit compare, and judge that whether each data that the 2nd data acquisition unit collects are credible according to comparative result respectively.
When specifically implementing, credible judgement module presets the first multiplier value and the 2nd multiplier value, its the data that the 2nd data acquisition unit collects between the data that sum the 2nd multiplier value of the data that the first multiplier value collects with the 3rd corresponding data acquisition unit collects with the 3rd corresponding data acquisition unit long-pending between time, by the 2nd data gathering to data be set to trust data. So, by credible judgement module, the validity of the 2nd data acquisition unit is judged, thus ensure assess institute foundation data verity.
Data memory module is electrically connected with credible judgement module, and it is also for storing the trust data after credible judgement module judges.
Data extraction module is electrically connected with data memory module, and it for extracting data from data memory module. Personal credit file model is electrically connected with data extraction module, and personal credit file model obtains the credit information relevant to Enterprise as a Legal Person to be assessed from data extraction module, and Enterprise as a Legal Person's credit to be assessed is calculated according to this information. Enterprise operation credit evaluation model is electrically connected with data extraction module, and enterprise operation credit evaluation model obtains the payment information of enterprise to be assessed from data extraction module, and enterprise operation credit is calculated according to this information.
Credit evaluation module is electrically connected with personal credit file model, enterprise operation credit evaluation model, and it is for carrying out weighted sum calculating to the calculation result of the calculation result of personal credit file model and enterprise operation credit evaluation model.
Report generation module is used for the calculation result according to credit evaluation module and produces rating business credit report. In this real example mode, weighted sum calculation result is compared by report generation module with the multiple credit values preset, when weighted sum calculation result is between adjacent two default credit values, generates the credit rating that these adjacent two preset values are corresponding, and produce corresponding assessment report.
So, by the first data acquisition unit, the credit data of Enterprise as a Legal Person is gathered, the payment information of enterprise to be assessed is gathered, and the enterprise that the 2nd data acquisition unit collects is carried out credible judgement by the information collected by the 3rd data acquisition unit by the 2nd data acquisition unit. Thus ensure the confidence level of data, and to carry out weighted sum to the credit in the credit of Enterprise as a Legal Person and business transaction process in the way of weighting. Taken into account the credit in the credit of legal person and business transaction, therefore, it is possible to accurately evaluate the medium-sized and small enterprises in enterprise to be assessed simultaneously.
The above; it is only the present invention's preferably embodiment; but protection scope of the present invention is not limited thereto; any it is familiar with those skilled in the art in the technical scope that the present invention discloses; technical scheme and invention design thereof according to the present invention are equal to replacement or are changed, and all should be encompassed within protection scope of the present invention.
Claims (7)
1. a medium-sized and small enterprises credit evaluation system, it is characterised in that: comprise the first data acquisition unit, the 2nd data acquisition unit, the 3rd data acquisition unit, credible judgement module, data memory module, data extraction module, personal credit file module, enterprise operation credit evaluation module, credit evaluation module and report generation module;
First data acquisition unit borrows refund information and communication fee to be in arrears with information for gathering the credit card of Enterprise as a Legal Person to be assessed;
2nd data acquisition unit is for gathering the payment information of enterprise to be assessed;
3rd data acquisition unit is used for gathering the payment information of enterprise to be assessed from the unit relevant to each payment information of enterprise to be assessed;
Data memory module is electrically connected with the first data acquisition unit, its data collected for storing the first data acquisition unit;
Credible judgement module is electrically connected with the 2nd data acquisition unit, the 3rd data acquisition unit, and the confidence level of at least part of data that the 2nd data acquisition unit collects is judged by it for the data collected according to the first data acquisition unit;
Data memory module is electrically connected with credible judgement module, and it is also for storing the trust data after credible judgement module judges;
Data extraction module is electrically connected with data memory module, and it for extracting data from data memory module;
Personal credit file model is electrically connected with data extraction module, and personal credit file model obtains the credit information relevant to Enterprise as a Legal Person to be assessed from data extraction module, and Enterprise as a Legal Person's credit to be assessed is calculated according to this information; Enterprise operation credit evaluation model is electrically connected with data extraction module, and enterprise operation credit evaluation model obtains the payment information of enterprise to be assessed from data extraction module, and enterprise operation credit is calculated according to this information;
Credit evaluation module is electrically connected with personal credit file model, enterprise operation credit evaluation model, and it is for carrying out weighted sum calculating to the calculation result of the calculation result of personal credit file model and enterprise operation credit evaluation model;
Report generation module is used for the calculation result according to credit evaluation module and produces rating business credit report.
2. medium-sized and small enterprises credit evaluation system according to claim 1, it is characterised in that: the payment of corporate payments information water power and be in arrears with information, contract fulfillment information that tax information, purchase raw material are bought on dredit in information and business associate.
3. medium-sized and small enterprises credit evaluation system according to claim 1, it is characterized in that: also comprise data filter module, data filter module is connected between the first data acquisition unit and data memory module, its repeating data collected for filtering first data acquisition unit.
4. medium-sized and small enterprises credit evaluation system according to claim 1, it is characterized in that: the 3rd data acquisition unit gathers corresponding information to be assessed from the unit relevant to each payment information of enterprise to be assessed at least partly, the data that credible judgement module acquisition the 2nd data acquisition unit collects and the data that the 3rd data acquisition unit collects, the data that each data collected by 3rd data acquisition unit collect with the 2nd corresponding data acquisition unit compare, and judge that whether each data that the 2nd data acquisition unit collects are credible according to comparative result respectively.
5. medium-sized and small enterprises credit evaluation system according to claim 4, it is characterized in that: credible judgement module presets the first multiplier value and the 2nd multiplier value, its the data that the 2nd data acquisition unit collects between the data that sum the 2nd multiplier value of the data that the first multiplier value collects with the 3rd corresponding data acquisition unit collects with the 3rd corresponding data acquisition unit long-pending between time, by the 2nd data gathering to data be set to trust data.
6. medium-sized and small enterprises credit evaluation system according to claim 1, it is characterized in that: weighted sum calculation result is compared by report generation module with the multiple credit values preset, when weighted sum calculation result is between adjacent two default credit values, generate the credit rating that these adjacent two preset values are corresponding, and produce corresponding assessment report.
7. medium-sized and small enterprises credit evaluation system according to claim 1, it is characterised in that: the 3rd data acquisition unit gathers the payment data of enterprise to be assessed according to the title of enterprise to be assessed or organization mechanism code from the water-supplying unit of correspondence, national grid, tax mechanism of country and cooperative enterprise.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201510998489.0A CN105654374A (en) | 2015-12-24 | 2015-12-24 | Credit assessment system for medium-sized and small enterprises |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510998489.0A CN105654374A (en) | 2015-12-24 | 2015-12-24 | Credit assessment system for medium-sized and small enterprises |
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| CN105654374A true CN105654374A (en) | 2016-06-08 |
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| CN201510998489.0A Withdrawn CN105654374A (en) | 2015-12-24 | 2015-12-24 | Credit assessment system for medium-sized and small enterprises |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107369081A (en) * | 2017-07-19 | 2017-11-21 | 无锡企业征信有限公司 | The system and method for data validity is determined with the dynamic effects factor of data source |
| CN109784609A (en) * | 2018-11-23 | 2019-05-21 | 深圳市大东车慧科技股份有限公司 | A kind of owner of cargo's credit facility analysis assessment system |
| CN109993412A (en) * | 2019-03-01 | 2019-07-09 | 百融金融信息服务股份有限公司 | The construction method and device of risk evaluation model, storage medium, computer equipment |
| CN110246032A (en) * | 2019-06-21 | 2019-09-17 | 深圳前海微众银行股份有限公司 | Risk monitoring and control method, apparatus and computer readable storage medium after loan |
| CN112560989A (en) * | 2020-12-25 | 2021-03-26 | 烟台职业学院 | Artificial intelligence anti-counterfeiting image identification method and system based on big data |
| CN113408909A (en) * | 2021-06-22 | 2021-09-17 | 中国工商银行股份有限公司 | Bank user credit investigation evaluation method based on big data |
-
2015
- 2015-12-24 CN CN201510998489.0A patent/CN105654374A/en not_active Withdrawn
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107369081A (en) * | 2017-07-19 | 2017-11-21 | 无锡企业征信有限公司 | The system and method for data validity is determined with the dynamic effects factor of data source |
| CN109784609A (en) * | 2018-11-23 | 2019-05-21 | 深圳市大东车慧科技股份有限公司 | A kind of owner of cargo's credit facility analysis assessment system |
| CN109993412A (en) * | 2019-03-01 | 2019-07-09 | 百融金融信息服务股份有限公司 | The construction method and device of risk evaluation model, storage medium, computer equipment |
| CN110246032A (en) * | 2019-06-21 | 2019-09-17 | 深圳前海微众银行股份有限公司 | Risk monitoring and control method, apparatus and computer readable storage medium after loan |
| CN112560989A (en) * | 2020-12-25 | 2021-03-26 | 烟台职业学院 | Artificial intelligence anti-counterfeiting image identification method and system based on big data |
| CN112560989B (en) * | 2020-12-25 | 2022-07-29 | 烟台职业学院 | Artificial intelligence anti-counterfeiting image identification method and system based on big data |
| CN113408909A (en) * | 2021-06-22 | 2021-09-17 | 中国工商银行股份有限公司 | Bank user credit investigation evaluation method based on big data |
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Legal Events
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| C06 | Publication | ||
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| CB02 | Change of applicant information |
Inventor after: Xu Wei Inventor before: Xu Rongjing |
|
| CB03 | Change of inventor or designer information | ||
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20161221 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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| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20160608 |