CN106875132B - Subjective integrity consciousness-based objective dynamic credit rating assessment method and platform - Google Patents
Subjective integrity consciousness-based objective dynamic credit rating assessment method and platform Download PDFInfo
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Abstract
The patent application discloses an objective dynamic credit rating platform and an evaluation method based on subjective honesty consciousness, and the subjective consciousness and objective credit behavior information of an evaluation subject are combined for rating: the existing credit rating is only based on the record of credit behavior information which has occurred in the past, and has no relation with subjective consciousness of an evaluation subject, but the scheme firstly records the credit performance information of the evaluation subject, reflects the subjective volunteers of the evaluation subject, and is used as the subjective performance element of the evaluation subject of a third-party platform, then the third-party platform carries out subjective and objective two-dimensional credit evaluation through the subjective performance element of the evaluation subject and the objective credit behavior information, and evaluates the credit rating of the evaluation subject according to the credit information amount, namely the public openness of the credit information, which is disclosed to the public by the third-party platform, wherein the more the credit rating of the evaluation subject is disclosed, the higher the credit rating of the evaluation subject is, and the more objectively and truly reflects the credit rating of the evaluation subject.
Description
Technical Field
The invention relates to the technical field of systems and methods suitable for administrative, commercial, financial, management, supervision, prediction and assessment purposes, in particular to a subjective integrity awareness-based objective dynamic credit rating assessment method and platform.
Background
The credit management of the evaluation subject is an important content in the credit management of the evaluation subject, is an all-round management of the whole process of credit transaction activities of the evaluation subject and the honesty operation behavior of the evaluation subject, and mainly aims to develop credit transactions and obtain credit resource services for the evaluation subject. The assessment of the credit rating of the assessment subject is an important link in the credit management of the assessment subject, and at present, aiming at the assessment of the credit rating of the assessment subject, a static credit rating mode is mainly adopted, namely, based on the behavior information which has already occurred by the assessment subject, the system collects the behavior information into the system for assessment to form the credit rating, and once the credit rating is formed, dynamic updating is not carried out. The problems of the static credit rating method are as follows: 1. behavior information of the evaluation subject is passively collected into the system and cannot directly reflect subjective honesty awareness of the evaluation subject; 2. the existing credit rating system does not perform dynamic updating once the credit rating of the evaluation subject is formed, and cannot reflect the current credit state of the evaluation subject at any time.
Disclosure of Invention
One of the purposes of the invention is to provide an objective dynamic credit rating platform based on subjective integrity awareness, which combines the subjective awareness of an evaluation subject (such as an enterprise) with objective behavior records to perform credit rating, and reflects the integrity of the evaluation subject more objectively and truly.
The objective dynamic credit rating evaluation platform based on the subjective integrity awareness comprises a third-party platform, an evaluation main body client, a black box and an evaluation main body integrity information service code;
the third party platform is used for:
and (3) evaluation subject registration management: endowing the identity of the evaluation main body on the platform, and establishing data association between the integrity space of the evaluation main body and the credit performance information of the evaluation main body in the credit performance information space of the platform;
evaluation subject black box management: evaluating subject black box registration and evaluating subject black box activation;
and (3) space management of credit performance information of the evaluation subject: establishing an evaluation subject credit fulfillment information space, an index database of the evaluation subject credit fulfillment information, a credit information data acquisition engine, a credit information data pushing engine and an evaluation model for objective dynamic credit rating;
the credit performance information space of the evaluation subject is provided with a space structure of bins, stacks and grids and is used for storing the credit performance information of the evaluation subject and the dynamic credit information of the evaluation subject;
the index database has a spatial structure of bins, stacks and grids and is used for storing index information of credit performance information of the evaluation subject;
the credit information data acquisition engine is used for acquiring performance promise information of subjective honesty consciousness of the evaluation subject, credit performance information of the evaluation subject and index information of the credit performance information; the system comprises a client side, a server side and a server side, wherein the client side is used for acquiring an evaluation main body integrity information service code processed and formed by the evaluation main body client side and externally disclosing the evaluation main body integrity information service code;
the credit information data pushing engine is used for pushing the dynamic credit information of the evaluation main body and the URI address of the credit performance information space of the evaluation main body on the third-party platform to the evaluation main body client for processing;
and (3) evaluating integrity and public opening information management of a main body: and (4) evaluating the integrity disclosure grade of the evaluation subject, namely, evaluating the integrity disclosure grade of the evaluation subject according to the amount of performance promise information of subjective integrity consciousness of the evaluation subject corresponding to the integrity disclosure degree of the evaluation subject pushed by the evaluation subject client and combining the weight of the promise information on the influence on credit, so as to form the integrity disclosure grade of the evaluation subject, which is used as a basis for evaluating the objective dynamic credit grade of the evaluation subject.
And (3) managing credit performance information of the evaluation subject: acquiring credit performing information of an evaluation subject, and acquiring the credit performing information of the evaluation subject pushed by a client of the evaluation subject, wherein the credit performing information of the evaluation subject can be stored in an evaluation subject space of the evaluation subject on a third-party platform, and also can be stored in a self-owned space of an evaluation subject system registered and associated on the third-party platform through a URI address;
acquiring index information: and acquiring index information of credit performance information of the evaluation subject dynamically pushed by the evaluation subject client. Index information is stored in the index database;
and (3) processing credit performance information of the evaluation subject: forming the performance promise information of the subjective honesty consciousness of the evaluation subject in the credit performance information of the evaluation subject into a non-falsifiable subjective performance element of the evaluation subject, and disclosing the element to the society and receiving social supervision; meanwhile, the received record information of the fulfillment process in the credit fulfillment information of the evaluation subject is formed into non-falsifiable third-party record data of the objective credit behavior of the evaluation subject;
managing dynamic credit information of an evaluation subject: evaluating objective dynamic credit rating, establishing an evaluation model: evaluating the fact that the performance promise information of the subjective integrity consciousness of the main body corresponds to a bin, a stack and a case in the data of the record information of the performance process in the third-party platform, and establishing an evaluation model of objective dynamic credit rating according to mathematical algorithms such as fuzzy neural network and the like by taking whether the bin, the stack and the case data are complete or not and whether the data are real or not, and taking the fact that the promise elements are not, not complete or correct or not corresponding to the performance record of the performance process as the data basis;
calculating an objective dynamic credit rating: calculating the objective dynamic credit rating of the evaluation subject according to the evaluation model;
and (3) generating dynamic credit information of the evaluation subject: generating dynamic credit information of the evaluation subject according to the credit performance information, the index information and the objective dynamic credit level of the evaluation subject which cannot be tampered, and storing the dynamic credit information in a credit performance information space of the evaluation subject;
pushing evaluation subject dynamic credit information: pushing the dynamic credit information of the evaluation subject and the URI address of the credit fulfillment information space of the evaluation subject on the third-party platform to the client of the evaluation subject for processing;
and (3) evaluating integrity information service code management of a main body: and acquiring an evaluation main body integrity information service code and a public evaluation main body integrity information service code, and disclosing the evaluation main body integrity information service code to the social public.
The evaluation main body client establishes an evaluation main body integrity space: the system comprises a credit performance information space, a URI (Uniform resource identifier) address and an integrity information service code, wherein the URI address is used for storing credit performance disclosure information of an evaluation main body, credit performance information of the evaluation main body and index information thereof, dynamic credit information of the evaluation main body and a URI address of the credit performance information space of the evaluation main body on a third-party platform, and the integrity information service code of the evaluation main body;
and (3) evaluating integrity and public opening information management of a main body: generating integrity disclosure information of an evaluation main body, and generating integrity disclosure information of the evaluation main body according to the amount of performance promise information of subjective integrity awareness of the evaluation main body; pushing integrity openness information of the evaluation main body, and pushing integrity public opening information of the evaluation main body to a third-party platform to serve as a basis for rating integrity public opening of the evaluation main body;
and (3) managing credit performance information of the evaluation subject: generating credit performance information of an evaluation subject, and forming the credit performance information of the evaluation subject according to performance promise information of subjective honesty awareness of the evaluation subject and record information of a performance process; pushing credit performing information of the evaluation subject, and dynamically pushing the credit performing information of the evaluation subject to a third-party platform;
index information management: creating index information of credit fulfillment information of an evaluation subject, establishing data association between an information index of an integrity space of an evaluation subject client and an evaluation subject credit fulfillment information space of a third-party platform, and realizing dynamic pushing of index information to the third-party platform, wherein the index information is used for associating and inquiring the evaluation subject credit fulfillment information in the evaluation subject client or the evaluation subject credit fulfillment information space;
managing dynamic credit information of an evaluation subject: acquiring dynamic credit information of an evaluation main body, acquiring the dynamic credit information of the evaluation main body pushed by a third-party platform and a URI address of the dynamic credit information of the evaluation main body in a credit performance information space of the third-party platform, and taking the URI address of the credit performance information of the evaluation main body in an integrity space of the evaluation main body at an evaluation main body client as an information source for forming an integrity information service code of the evaluation main body;
and (3) evaluating integrity information service code management of a main body: generating an evaluation main body integrity information service code: and processing the dynamic credit information of the evaluation main body, the URI address of the credit performance information space of the evaluation main body on the third-party platform and the URI address of the credit performance information of the evaluation main body in the integrity space of the evaluation main body on the evaluation main body client side to generate the integrity information service code of the evaluation main body.
Pushing an evaluation main body integrity information service code: pushing the integrity information service code of the evaluation main body to a third-party platform;
the black box has the encryption and decryption functions, is used for encrypting and decrypting the credit performance information of the evaluation subject through a password approved by the country, and is stamped with a time stamp to realize ciphertext storage and plaintext application, ensure that the credit performance information of the evaluation subject is stored and cannot be tampered, and is reserved on a third-party platform;
the evaluation main body integrity information service code is as follows: and the public obtains the function and service of the external disclosure of the integrity information of the evaluation main body on the third-party platform by scanning the integrity information service code of the evaluation main body.
The credit rating platform of the invention has the following outstanding characteristics: 1. combining subjective consciousness and objective credit behavior information of an evaluation subject to grade evaluation: the existing credit rating is only based on the record of credit behavior information which has occurred in the past, and has no relation with subjective consciousness of an evaluation subject, but the scheme firstly records the credit performance information of the evaluation subject, reflects the subjective volunteers of the evaluation subject, and is used as the subjective performance element of the evaluation subject of a third-party platform, then the third-party platform carries out subjective and objective two-dimensional credit evaluation through the subjective performance element of the evaluation subject and the objective credit behavior information, and evaluates the credit rating of the evaluation subject according to the credit information amount, namely the public openness of the credit information, which is disclosed to the public by the third-party platform, wherein the more the credit rating of the evaluation subject is disclosed, the higher the credit rating of the evaluation subject is, and the more objectively and truly reflects the credit rating of the evaluation subject. 2. In the scheme, the client of the evaluation subject dynamically pushes credit performance information and objective credit behavior information of the evaluation subject to the third-party platform, and the third-party platform establishes a dynamic credit rating of the evaluation subject on the basis, so that the credit rating of the evaluation subject is dynamically changed according to different amounts of credit information disclosed by the evaluation subject each time, and the current credit condition of the evaluation subject can be reflected in real time.
Further, the evaluation model is also used for self-correcting the objective dynamic credit rating of the evaluation subject. The evaluation model has self-correcting capability, so that the objective dynamic credit rating of the evaluation subject can be automatically corrected to form a dynamic objective credit rating of the evaluation subject.
The invention also aims to provide an objective dynamic credit rating method based on subjective honesty awareness, which is realized by a third-party platform and comprises the following contents:
the credit performance information of the evaluation subject formed by the credit performance acceptance information of the subjective credit consciousness of the evaluation subject forms an integrity disclosure level, the credit performance information of the evaluation subject formed by the integrity disclosure acceptance information and the record information of the performance process is calculated by an objective dynamic credit level evaluation model, and the objective dynamic credit level evaluation of the evaluation subject is realized by a third-party platform:
the integrity openness rating assessment is firstly based on the information quantity of the committed information disclosed to the society and combined with the weight of the committed information on the credit effect, the integrity openness rating is assessed, and the integrity openness assessment is the basic basis of objective dynamic credit rating assessment;
the objective dynamic credit rating is a rating calculated on a third-party platform according to a credit rating evaluation model according to the performance degree of subjective integrity promise information in the integrity degree of an evaluation subject in the performance process;
the credit performance information of the evaluation subject consists of performance promise information of subjective honesty consciousness of the evaluation subject and record information of a performance process, and the credit performance information of the evaluation subject can be stored in an evaluation subject space of the evaluation subject on a third-party platform or in a self-owned space of an evaluation subject system registered and associated on the third-party platform through a URI address;
the assessment realization method is characterized in that the method is used for evaluating the bin, stack and lattice of the recorded information of the record information of the fulfillment process of the third-party platform corresponding to the fulfillment promise information of the subjective honesty consciousness of a main body, and is used for evaluating whether the bin, stack and lattice data are complete or not and whether the data are real or not, and corresponding to the record of the behavior of the fulfillment process, the method is used for making no, complete or correct promise element and is a basic data basis for assessing the dynamic credit level objectively;
the credit performance information of the evaluation subject needs to be encrypted and decrypted by a password approved by the country, so that ciphertext storage and plaintext application are realized, the credit performance information of the evaluation subject is guaranteed to be stored and cannot be tampered, and the credit performance information is reserved on a third-party platform for a long time.
According to the method, firstly, credit performance information of an evaluation subject is recorded, subjective volunteers of the evaluation subject are reflected to serve as subjective performance elements of the evaluation subject of a third-party platform, then the third-party platform carries out subjective and objective two-dimensional credit evaluation through the subjective performance elements of the evaluation subject and objective credit behavior information of the evaluation subject, the evaluation subject is evaluated on credit rating according to the credit information quantity disclosed to the public by the third-party platform, namely the public opening degree of the credit information, and the more the evaluation subject is exposed, the higher the disclosure degree of the credit information is, the higher the credit rating of the evaluation subject is, and the more objective and real credit performance of the evaluation subject is reflected.
Further, the client of the evaluation subject pushes index information capable of inquiring the credit fulfillment information of the evaluation subject to a third-party platform at the same time of pushing the credit fulfillment information of the evaluation subject to the third-party platform voluntarily. The index information can be the file number, the serial number or the title of the credit fulfillment information of the evaluation subject, and the specific credit fulfillment information of the evaluation subject is not related, so that the index information is not confidential, and the safety of the information of the evaluation subject is improved.
Further, the credit fulfillment information of the appraising subject is stored in the credit fulfillment information space of the appraising subject of the third-party platform, and the index information is stored in the index database of the credit fulfillment information space of the appraising subject of the third-party platform.
Furthermore, the method for realizing the assessment combines the creditability degree of the assessment subject, the subjective performance factor of the assessment subject and third-party recorded data of objective credit behavior of the assessment subject, establishes an assessment model of objective dynamic credit rating on a third-party platform according to mathematical algorithms such as a fuzzy neural network and the like, and calculates the objective dynamic credit rating of the assessment subject according to the assessment model.
Further, after the third-party platform forms the objective dynamic credit rating of the appraisal subject, the third-party platform also comprises a step of automatically correcting the objective dynamic credit rating of the appraisal subject to form the dynamic objective credit rating of the appraisal subject. So as to make the evaluated objective dynamic credit rating of the evaluation subject more reasonable.
Further, the credit performance information of the appraiser who voluntarily pushes to the third-party platform by the client of the appraiser is the credit performance information of the appraiser with a time stamp, so that the credit performance information of the appraiser which cannot be tampered is formed on the third-party platform. Therefore, the credit performance information of the evaluation subject transmitted to the third-party platform is not falsifiable, and the reliability of the information is improved.
Drawings
Fig. 1 is a schematic program diagram of an objective dynamic credit rating method based on subjective honesty awareness according to an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail below by way of specific embodiments:
as shown in fig. 1, the present embodiment first discloses an objective dynamic credit rating platform based on subjective integrity awareness, which includes an evaluation subject client, a black box, a third party platform, and an evaluation subject integrity information service code.
The evaluation main body client is used for voluntarily pushing the integrity openness information of the evaluation main body to the third-party platform dynamically as the basis for evaluating the integrity openness grade of the evaluation main body; the system is used for dynamically pushing credit fulfillment information of an evaluation subject and index information thereof to a third-party platform voluntarily, wherein the index information is used for associating and inquiring the credit fulfillment information of the evaluation subject in a client side of the evaluation subject or a credit fulfillment information space of the evaluation subject;
the black box is used for encrypting and decrypting the credit performance information of the evaluation subject through a password approved by the country, adding a time stamp to realize ciphertext storage and plaintext application, ensuring that the credit performance information of the evaluation subject is stored and cannot be tampered, and keeping the credit performance information on a third-party platform for a long time.
The third-party platform is provided with an evaluation subject credit fulfillment information space (namely the evaluation subject space of the evaluation subject on the third-party platform or the owned space of an evaluation subject system registered and associated by the evaluation subject on the third-party platform through a URI (Uniform resource identifier) address), an index database of the evaluation subject credit fulfillment information, a credit information data acquisition engine, a credit information data pushing engine and an evaluation model for objective dynamic credit rating; the evaluation model in the implementation is established by adopting the existing fuzzy neural network algorithm, and the fuzzy neural network is the neural network with fuzzy weight coefficients or fuzzy quantity of input signals.
Fuzzy Neural Networks (FNNs) are based on fuzzy logic, and deal with the problem of fuzzy information that is difficult to solve by conventional methods through fuzzy judgment reasoning that mimics human thinking, and are powerful tools for modeling some phenomena related to human thinking and perception. The fuzzy neural network is successfully applied to the fields of decision support, decision analysis, multi-target evaluation, comprehensive evaluation, risk analysis, a neural expert system, mode recognition, intelligent control, combination optimization, prediction and the like.
In the embodiment, a multi-level fuzzy comprehensive evaluation model is established for evaluating qualitative indexes influencing evaluation through a fuzzy mathematical algorithm, the qualitative indexes are quantified, further, an analytic hierarchy process is utilized, each single factor evaluation reflecting internal control is brought into a unified mathematical model system, the weight of the evaluation indexes is determined (the evaluation indexes are determined according to documents with public confidence and constraint such as laws and regulations related to credit information of an evaluation subject, industry requirements and the like), the algebraic value of a comprehensive evaluation result is obtained through the multi-level fuzzy evaluation model, meanwhile, the artificial neural network algorithm is combined, the rules of the fuzzy comprehensive evaluation model result and the constraint are analyzed by learning the fuzzy comprehensive evaluation model result, and then the fuzzy comprehensive evaluation model and the constraint are applied to the next evaluation;
the application of the neural network model can enable the whole evaluation system to have the capability of continuous learning, continuously improve the scientificity, objectivity and authenticity of an evaluation result, and simultaneously have the characteristics of flexibility and humanization, so that a feasible and scientific method is provided for the problem of evaluation quantification.
The credit information data acquisition engine of the embodiment is used for acquiring performance promise information of subjective honesty awareness of an evaluation subject, credit performance information of the evaluation subject and index information of the credit performance information; the system comprises a client side, a server side and a server side, wherein the client side is used for acquiring an evaluation main body integrity information service code processed and formed by the evaluation main body client side and externally disclosing the evaluation main body integrity information service code;
the credit performance information space of the evaluation subject is provided with a space structure of bins, stacks and grids and is used for storing the credit performance information of the evaluation subject and the dynamic credit information of the evaluation subject;
the third-party platform evaluates the integrity disclosure grade of the evaluation main body according to the fulfillment promise information amount of the subjective integrity consciousness of the evaluation main body corresponding to the integrity degree of the evaluation main body pushed by the evaluation main body client and in combination with the weight of the promise information on the influence on credit, and forms the integrity disclosure grade of the evaluation main body as a basis for evaluating the objective dynamic credit grade of the evaluation main body;
the system comprises a client side, a system management server and a client side, wherein the client side is used for acquiring credit performance information of an evaluation subject and index information thereof pushed by the client side of the evaluation subject, forming non-falsifiable subjective performance elements of the evaluation subject according to performance promise information of subjective honesty consciousness of the evaluation subject in the credit performance information of the evaluation subject, disclosing the elements to the society, receiving social supervision and forming non-falsifiable third-party record data of objective credit behavior of the evaluation subject according to received record information of a performance process in the credit performance information of the evaluation subject;
according to the method for realizing the evaluation, an evaluation model of objective dynamic credit rating is established according to mathematical algorithms such as a fuzzy neural network and the like by combining the credit degree of the evaluation subject, the subjective performance factor of the evaluation subject and the third-party recorded data of the objective credit behavior of the evaluation subject, and the objective dynamic credit rating of the evaluation subject is calculated;
generating evaluation subject dynamic credit information according to the non-falsifiable evaluation subject credit performance information, the index information and the objective dynamic credit rating of the evaluation subject, and pushing the evaluation subject dynamic credit information and the URI address of the evaluation subject credit performance information space on the third-party platform to the evaluation subject client for processing;
and acquiring the integrity information service code of the evaluation main body processed and formed by the evaluation main body client, and disclosing the integrity information service code to the social public.
The integrity information service code of the evaluation subject in the embodiment is used for the public to scan and obtain the function and service of the third-party platform for the integrity information of the evaluation subject to be disclosed to the outside.
More specifically, the objective dynamic credit rating evaluation platform based on subjective integrity awareness comprises a third-party platform, an evaluation main body client, a black box and an evaluation main body integrity information service code:
1. the third-party platform is a working platform which is established by applying technologies such as cloud application, big data and the like and provides credit performance information management for the evaluation subject, and has the following functions:
1) evaluation subject registration management
Registration of evaluation subject:
and giving the identity of the evaluation subject on the platform, and establishing data association between the integrity space of the evaluation subject and the credit performance information of the evaluation subject in the credit performance information space of the evaluation subject on the platform.
2) Evaluation subject Black Box management
Evaluation subject black box registration:
and endowing the evaluation subject with the identity of the black box in the platform.
Evaluation subject black box activation:
and activating the information encryption and decryption functions of the evaluation main body black box.
3) Spatial management of credit fulfillment information for an appraisal entity
Establishing an evaluation subject credit fulfillment information space (namely the evaluation subject space of the evaluation subject on a third-party platform or the owned space of an evaluation subject system registered and associated by the evaluation subject on the third-party platform through a URI (Uniform resource identifier) address), an index database of the evaluation subject credit fulfillment information, a credit information data acquisition engine, a credit information data push engine and an evaluation model for objective dynamic credit rating;
the credit performance information space of the evaluation subject is provided with a space structure of bins, stacks and grids and is used for storing the credit performance information of the evaluation subject and the dynamic credit information of the evaluation subject;
the index database has a spatial structure of bins, stacks and grids and is used for storing index information of credit performance information of the evaluation subject;
the credit information data acquisition engine is used for acquiring performance promise information of subjective honesty consciousness of the evaluation subject, credit performance information of the evaluation subject and index information of the credit performance information; the system comprises a client side, a server side and a server side, wherein the client side is used for acquiring an evaluation main body integrity information service code processed and formed by the evaluation main body client side and externally disclosing the evaluation main body integrity information service code;
the credit information data pushing engine is used for pushing the dynamic credit information of the evaluation main body and the URI address of the credit performance information space of the evaluation main body on the third-party platform to the evaluation main body client for processing.
4) Evaluation subject integrity degree information management
Evaluating the integrity disclosure degree grade of a main body:
and according to the amount of the fulfillment promise information of the subjective integrity consciousness of the evaluation subject corresponding to the integrity degree of the evaluation subject pushed by the evaluation subject client, the integrity disclosure grade of the evaluation subject is evaluated by combining the weight of the promise information on the influence on credit, so that the integrity disclosure grade of the evaluation subject is formed and is used as a basis for evaluating the objective dynamic credit grade of the evaluation subject.
5) Management of credit fulfillment information by appraising entities
Acquiring credit performance information of an evaluation subject:
and acquiring credit performance information of the evaluation subject pushed by the evaluation subject client. The credit fulfillment information of the appraisal subject can be stored in the appraisal subject space of the appraisal subject on the third-party platform, and can also be stored in the owned space of the appraisal subject system registered and associated on the third-party platform through the URI address.
Acquiring index information:
and acquiring index information of credit performance information of the evaluation subject dynamically pushed by the evaluation subject client. The index information is stored in the index database.
And (3) processing credit performance information of the evaluation subject:
forming the performance promise information of the subjective honesty consciousness of the evaluation subject in the credit performance information of the evaluation subject into a non-falsifiable subjective performance element of the evaluation subject, and disclosing the element to the society and receiving social supervision; and meanwhile, the received record information of the fulfillment process in the credit fulfillment information of the appraising subject is formed into third-party record data of the non-falsifiable objective credit behavior of the appraising subject.
6) Rating agent dynamic credit information management
Objective dynamic credit rating:
establishing an evaluation model: the method comprises the steps that the performance promise information of subjective honesty consciousness of an evaluation main body corresponds to a bin, a stack and a case in the data of record information of a performance process in a third-party platform, and an evaluation model of objective dynamic credit rating is established according to mathematical algorithms such as fuzzy neural network and the like by taking whether the bin, the stack and the case data are complete or not and whether the bin, the stack and the case data are real or not, and taking the fact that the promise element is not, is not complete or is not correct or not corresponding to the performance record of the performance process as the data basis.
Calculating an objective dynamic credit rating: and calculating the objective dynamic credit rating of the evaluation subject according to the evaluation model. The evaluation model is also used for self-correcting the objective dynamic credit rating of the evaluation subject.
And (3) generating dynamic credit information of the evaluation subject:
and generating the dynamic credit information of the evaluation subject according to the credit performance information, the index information and the objective dynamic credit level of the evaluation subject which cannot be tampered, and storing the dynamic credit information in the credit performance information space of the evaluation subject.
Pushing evaluation subject dynamic credit information:
and pushing the dynamic credit information of the evaluation subject and the URI address of the credit fulfillment information space of the evaluation subject on the third-party platform to the client of the evaluation subject for processing.
7) Evaluation subject integrity information service code management
Acquiring an evaluation main body integrity information service code:
and acquiring the credit information service code of the evaluation main body processed and formed by the evaluation main body client, and storing the credit performance information code in the credit performance information space of the evaluation main body.
And (3) disclosing and evaluating the integrity information service code of the main body:
and disclosing the integrity information service code of the evaluation subject to the social public.
2. The evaluation subject client has the following functions:
1) evaluating subject integrity space management
An evaluation subject integrity space is established:
the credit performance information service code is used for storing credit performance disclosure information of the evaluation subject, credit performance information of the evaluation subject and index information thereof, dynamic credit information of the evaluation subject, URI (Uniform resource identifier) address of the credit performance information space of the evaluation subject on a third-party platform and credit performance information service code of the evaluation subject.
2) Evaluation subject integrity degree information management
Generating integrity disclosure degree information of an evaluation main body:
and generating integrity disclosure information of the evaluation main body according to the information amount of the performance promise of the subjective integrity consciousness of the evaluation main body.
Pushing integrity disclosure degree information of an evaluation main body:
and pushing integrity and public opening information of the evaluation main body to a third-party platform to be used as a basis for evaluating integrity and public opening grade of the evaluation main body.
3) Management of credit fulfillment information by appraising entities
Generating credit performance information of the evaluation subject:
and forming credit performance information of the evaluation main body according to the performance promise information of the subjective honesty awareness of the evaluation main body and the record information of the performance process.
Pushing credit performing information of the evaluation subject:
and dynamically pushing credit performing information of the evaluation subject to the third-party platform.
Index information management:
creating index information of credit performance information of an evaluation subject, establishing data association between an information index of an integrity space of an evaluation subject client and an evaluation subject credit performance information space of a third-party platform, and realizing dynamic pushing of index information to the third-party platform, wherein the index information is used for associating and inquiring the evaluation subject credit performance information in the evaluation subject client or the evaluation subject credit performance information space.
4) Rating agent dynamic credit information management
Acquiring dynamic credit information of an evaluation subject:
and acquiring dynamic credit information of the evaluation main body pushed by the third-party platform and the URI address of the credit performance information space of the evaluation main body on the third-party platform, and taking the URI address of the credit performance information of the evaluation main body in the credit performance space of the evaluation main body client as an information source for forming the credit performance information service code of the evaluation main body.
5) Evaluation subject integrity information service code management
Generating an evaluation main body integrity information service code:
and processing the dynamic credit information of the evaluation main body, the URI address of the credit performance information space of the evaluation main body on the third-party platform and the URI address of the credit performance information of the evaluation main body in the integrity space of the evaluation main body on the evaluation main body client side to generate the integrity information service code of the evaluation main body.
Pushing an evaluation main body integrity information service code:
and pushing the integrity information service code of the evaluation main body to a third-party platform.
3. The black box has the encryption and decryption functions:
1) the system is used for encrypting and decrypting the credit performance information of the evaluation subject through a password approved by the country, adding a time stamp to realize ciphertext storage and plaintext application, ensuring that the credit performance information of the evaluation subject is stored and cannot be tampered, and keeping the credit performance information on a third-party platform for a long time.
4. The integrity information service code of the evaluation subject is as follows:
the public is used for acquiring the function and service of the outward disclosure of the integrity information of the evaluation main body on the third-party platform by scanning the integrity information service code of the evaluation main body, which can be a bar code, an RFID code or a two-dimensional code.
The embodiment further discloses an objective dynamic credit rating assessment method based on subjective honesty awareness, which is realized through a third-party platform.
The objective dynamic credit rating assessment method based on subjective integrity consciousness is characterized in that an assessment main body (such as an assessment main body, a product, an organization, an activity, a person and the like) forms integrity disclosure degree grade according to the information quantity of performance promise of the subjective integrity consciousness, the assessment main body credit performance information formed by integrity disclosure degree promise information and record information of a performance process is calculated through an objective dynamic credit rating assessment model, and objective dynamic credit rating assessment of the assessment main body is realized through a third-party platform:
1. the integrity openness rating assessment is firstly based on the information quantity of the committed information disclosed to the society and combined with the weight of the committed information on the credit effect, the integrity openness rating is assessed, and the integrity openness assessment is the basic basis of objective dynamic credit rating assessment;
2. the objective dynamic credit rating is a rating calculated on a third-party platform according to a credit rating evaluation model according to the performance degree of subjective integrity promise information in the integrity degree of an evaluation subject in the performance process;
3. the credit performance information of the evaluation subject consists of performance promise information of subjective honesty consciousness of the evaluation subject and record information of a performance process, and the credit performance information of the evaluation subject can be stored in an evaluation subject space of the evaluation subject on a third-party platform or in a self-owned space of an evaluation subject system registered and associated on the third-party platform through a URI address;
4. the assessment realization method is characterized in that the method is used for evaluating the bin, stack and lattice of the recorded information of the record information of the fulfillment process of the third-party platform corresponding to the fulfillment promise information of the subjective honesty consciousness of a main body, and is used for evaluating whether the bin, stack and lattice data are complete or not and whether the data are real or not, and corresponding to the record of the behavior of the fulfillment process, the method is used for making no, complete or correct promise element and is a basic data basis for assessing the dynamic credit level objectively;
5. the credit performance information of the evaluation subject needs to be encrypted and decrypted by a password approved by the country, so that ciphertext storage and plaintext application are realized, the credit performance information of the evaluation subject is guaranteed to be stored and cannot be tampered, and the credit performance information is reserved on a third-party platform for a long time.
As shown in fig. 1, the following is included:
1. the evaluation main body client generates evaluation main body integrity disclosure information according to the performance promise information amount of the subjective integrity consciousness of the evaluation main body;
2. the integrity degree information of the evaluation main body is stored in the integrity space of the evaluation main body and is simultaneously pushed to a third-party platform to be used as a basis for evaluating the integrity degree grade of the evaluation main body;
3. the third-party platform combines the weight of the commitment information on the influence on credit to evaluate the integrity disclosure degree grade;
4. the evaluation main body client forms evaluation main body credit performance information according to performance promise information of subjective honesty consciousness of the evaluation main body and record information of a performance process, stores the information in an evaluation main body honesty space after being encrypted by a black box, and simultaneously pushes the information to a third-party platform;
5. the third-party platform forms the fulfillment promise information of the subjective honesty consciousness of the evaluation subject in the credit fulfillment information of the evaluation subject into a non-falsifiable subjective fulfillment element of the evaluation subject, discloses the element to the society and receives social supervision; meanwhile, the received record information of the fulfillment process in the credit fulfillment information of the evaluation subject is formed into non-falsifiable third-party record data of the objective credit behavior of the evaluation subject;
6. the method comprises the steps that the performance promise information of subjective honesty consciousness of an evaluation main body corresponds to a bin, a stack and a case in the data of record information of a performance process in a third-party platform, whether the bin, the stack and the case data are complete or not and whether the data are true or not, and whether the promise elements are absent, not complete or not and not correct or not corresponding to the performance record of the performance process are taken as data bases, and an evaluation model of objective dynamic credit levels is established according to mathematical algorithms such as a fuzzy neural network and the like and the objective dynamic credit levels of the evaluation main body are calculated according to the evaluation model.
In this embodiment, the credit fulfillment information of the appraising subject is stored in the credit fulfillment information space of the appraising subject of the third-party platform, and the index information is stored in the index database of the credit fulfillment information space of the appraising subject of the third-party platform.
In this embodiment, the credit performance information of the evaluation subject voluntarily pushed by the evaluation subject client to the third party platform is the time-stamped credit performance information of the evaluation subject, so that the non-falsifiable credit performance information of the evaluation subject is formed on the third party platform.
The foregoing is merely an example of the present invention, and common general knowledge in the field of known specific structures and characteristics is not described herein in any greater extent than that known in the art at the filing date or prior to the priority date of the application, so that those skilled in the art can now appreciate that all of the above-described techniques in this field and have the ability to apply routine experimentation before this date can be combined with one or more of the present teachings to complete and implement the present invention, and that certain typical known structures or known methods do not pose any impediments to the implementation of the present invention by those skilled in the art. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (7)
1. The objective dynamic credit rating evaluation platform based on the subjective integrity consciousness is characterized by comprising a third-party platform, an evaluation main body client, a black box and an evaluation main body integrity information service code;
the third party platform is used for:
and (3) evaluation subject registration management: endowing the identity of the evaluation main body on the platform, and establishing data association between the integrity space of the evaluation main body and the credit performance information of the evaluation main body in the credit performance information space of the platform;
evaluation subject black box management: evaluating subject black box registration and evaluating subject black box activation;
and (3) space management of credit performance information of the evaluation subject: establishing an evaluation subject credit fulfillment information space, an index database of the evaluation subject credit fulfillment information, a credit information data acquisition engine, a credit information data pushing engine and an evaluation model for objective dynamic credit rating;
the credit performance information space of the evaluation subject is provided with a space structure of bins, stacks and grids and is used for storing the credit performance information of the evaluation subject and the dynamic credit information of the evaluation subject;
the index database has a spatial structure of bins, stacks and grids and is used for storing index information of credit performance information of the evaluation subject; the credit information data acquisition engine is used for acquiring performance promise information of subjective honesty consciousness of the evaluation subject, credit performance information of the evaluation subject and index information of the credit performance information; the system comprises a client side, a server side and a server side, wherein the client side is used for acquiring an evaluation main body integrity information service code processed and formed by the evaluation main body client side and externally disclosing the evaluation main body integrity information service code;
the credit information data pushing engine is used for pushing the dynamic credit information of the evaluation main body and the URI address of the credit performance information space of the evaluation main body on the third-party platform to the evaluation main body client for processing;
and (3) evaluating integrity and public opening information management of a main body: evaluating the integrity disclosure grade of the evaluation subject, namely evaluating the integrity disclosure grade of the evaluation subject according to the performance promise information amount of the subjective integrity consciousness of the evaluation subject corresponding to the integrity disclosure degree of the evaluation subject pushed by the evaluation subject client and combining the weight of the promise information on the influence on credit, so as to form the integrity disclosure grade of the evaluation subject as a basis for evaluating the objective dynamic credit grade of the evaluation subject;
and (3) managing credit performance information of the evaluation subject: acquiring credit performing information of an evaluation subject, and acquiring the credit performing information of the evaluation subject pushed by a client of the evaluation subject, wherein the credit performing information of the evaluation subject can be stored in an evaluation subject space of the evaluation subject on a third-party platform, and also can be stored in a self-owned space of an evaluation subject system registered and associated on the third-party platform through a URI address;
acquiring index information: acquiring index information of credit performance information of an evaluation main body dynamically pushed by an evaluation main body client;
index information is stored in the index database;
and (3) processing credit performance information of the evaluation subject: forming the performance promise information of the subjective honesty consciousness of the evaluation subject in the credit performance information of the evaluation subject into a non-falsifiable subjective performance element of the evaluation subject, and disclosing the element to the society and receiving social supervision; meanwhile, the received record information of the fulfillment process in the credit fulfillment information of the evaluation subject is formed into non-falsifiable third-party record data of the objective credit behavior of the evaluation subject;
managing dynamic credit information of an evaluation subject: evaluating objective dynamic credit rating, establishing an evaluation model: evaluating the bin, stack and lattice of the recorded information of the third-party platform corresponding to the performance promise information of the subjective integrity consciousness of the main body, and taking whether the bin, stack and lattice data are complete or not and whether the data are real or not, and taking the fact that the promise element is not, not complete or correct or not corresponding to the performance record of the performance process as the data basis, and establishing an evaluation model of the objective dynamic credit level according to the fuzzy neural network mathematical algorithm by combining the third-party recorded data of the integrity degree of the evaluation main body, the subjective performance element of the evaluation main body and the objective credit behavior of the evaluation main body;
calculating an objective dynamic credit rating: calculating the objective dynamic credit rating of the evaluation subject according to the evaluation model;
and (3) generating dynamic credit information of the evaluation subject: generating dynamic credit information of the evaluation subject according to the credit performance information, the index information and the objective dynamic credit level of the evaluation subject which cannot be tampered, and storing the dynamic credit information in a credit performance information space of the evaluation subject;
pushing evaluation subject dynamic credit information: pushing the dynamic credit information of the evaluation subject and the URI address of the credit fulfillment information space of the evaluation subject on the third-party platform to the client of the evaluation subject for processing;
and (3) evaluating integrity information service code management of a main body: acquiring an evaluation main body integrity information service code and a public evaluation main body integrity information service code, and disclosing the evaluation main body integrity information service code to the social public;
the evaluation main body client establishes an evaluation main body integrity space: the system comprises a credit performance information space, a URI (Uniform resource identifier) address and an integrity information service code, wherein the URI address is used for storing credit performance disclosure information of an evaluation main body, credit performance information of the evaluation main body and index information thereof, dynamic credit information of the evaluation main body and a URI address of the credit performance information space of the evaluation main body on a third-party platform, and the integrity information service code of the evaluation main body;
and (3) evaluating integrity and public opening information management of a main body: generating integrity disclosure information of an evaluation main body, and generating integrity disclosure information of the evaluation main body according to the amount of performance promise information of subjective integrity awareness of the evaluation main body; pushing integrity openness information of the evaluation main body, and pushing integrity public opening information of the evaluation main body to a third-party platform to serve as a basis for rating integrity public opening of the evaluation main body;
and (3) managing credit performance information of the evaluation subject: generating credit performance information of an evaluation subject, and forming the credit performance information of the evaluation subject according to performance promise information of subjective honesty awareness of the evaluation subject and record information of a performance process; pushing credit performing information of the evaluation subject, and dynamically pushing the credit performing information of the evaluation subject to a third-party platform;
index information management: creating index information of credit fulfillment information of an evaluation subject, establishing data association between an information index of an integrity space of an evaluation subject client and an evaluation subject credit fulfillment information space of a third-party platform, and realizing dynamic pushing of index information to the third-party platform, wherein the index information is used for associating and inquiring the evaluation subject credit fulfillment information in the evaluation subject client or the evaluation subject credit fulfillment information space;
managing dynamic credit information of an evaluation subject: acquiring dynamic credit information of an evaluation main body, acquiring the dynamic credit information of the evaluation main body pushed by a third-party platform and a URI address of the dynamic credit information of the evaluation main body in a credit performance information space of the third-party platform, and taking the URI address of the credit performance information of the evaluation main body in an integrity space of the evaluation main body at an evaluation main body client as an information source for forming an integrity information service code of the evaluation main body;
and (3) evaluating integrity information service code management of a main body: generating an evaluation main body integrity information service code: processing the dynamic credit information of the evaluation main body, the URI address of the credit performance information space of the evaluation main body on a third-party platform and the URI address of the credit performance information of the evaluation main body in the integrity space of the evaluation main body on the evaluation main body client side to generate an integrity information service code of the evaluation main body;
pushing an evaluation main body integrity information service code: pushing the integrity information service code of the evaluation main body to a third-party platform;
the black box has the encryption and decryption functions, is used for encrypting and decrypting the credit performance information of the evaluation subject through a password approved by the country, and is stamped with a time stamp to realize ciphertext storage and plaintext application, ensure that the credit performance information of the evaluation subject is stored and cannot be tampered, and is reserved on a third-party platform;
the evaluation main body integrity information service code is as follows: and the public obtains the function and service of the external disclosure of the integrity information of the evaluation main body on the third-party platform by scanning the integrity information service code of the evaluation main body.
2. The subjective awareness of integrity based objective dynamic credit rating platform of claim 1, wherein: the evaluation model is also used for self-correcting the objective dynamic credit rating of the evaluation subject.
3. The objective dynamic credit rating assessment method based on the subjective honesty awareness is characterized by comprising the following steps:
the credit performance information of the evaluation subject formed by the credit performance acceptance information of the subjective credit consciousness of the evaluation subject forms an integrity disclosure level, the credit performance information of the evaluation subject formed by the integrity disclosure acceptance information and the record information of the performance process is calculated by an objective dynamic credit level evaluation model, and the objective dynamic credit level evaluation of the evaluation subject is realized by a third-party platform:
the integrity openness rating assessment is firstly based on the information quantity of the committed information disclosed to the society and combined with the weight of the committed information on the credit effect, the integrity openness rating is assessed, and the integrity openness assessment is the basic basis of objective dynamic credit rating assessment;
the objective dynamic credit rating is a rating calculated on a third-party platform according to a credit rating evaluation model according to the performance degree of subjective integrity promise information in the integrity degree of an evaluation subject in the performance process;
the credit performance information of the evaluation subject consists of performance promise information of subjective honesty consciousness of the evaluation subject and record information of a performance process, and the credit performance information of the evaluation subject can be stored in an evaluation subject space of the evaluation subject on a third-party platform or in a self-owned space of an evaluation subject system registered and associated on the third-party platform through a URI address;
the assessment realization method is characterized in that the method is used for evaluating the bin, stack and lattice of the recorded information of the record information of the fulfillment process of the third-party platform corresponding to the fulfillment promise information of the subjective honesty consciousness of a main body, and is used for evaluating whether the bin, stack and lattice data are complete or not and whether the data are real or not, and corresponding to the record of the behavior of the fulfillment process, the method is used for making no, complete or correct promise element and is a basic data basis for assessing the dynamic credit level objectively;
the credit performance information of the evaluation subject needs to be encrypted and decrypted by a password approved by the country, so that ciphertext storage and plaintext application are realized, the credit performance information of the evaluation subject is guaranteed to be stored and not to be falsified, and is reserved on a third-party platform for a long time;
the client of the evaluation subject pushes index information capable of inquiring the credit fulfillment information of the evaluation subject to a third-party platform at the same time of pushing the credit fulfillment information of the evaluation subject to the third-party platform voluntarily.
4. The subjective credibility-based objective dynamic credit rating method of claim 3, wherein the appraiser credit fulfillment information is stored in the appraiser credit fulfillment information space of the third-party platform, and the index information is stored in the index database of the appraiser credit fulfillment information space of the third-party platform.
5. The subjective integrity awareness-based objective dynamic credit rating method as claimed in claim 3, wherein the assessment is implemented by combining the integrity degree of the subject, subjective performance factor of the subject and third-party recorded data of objective credit behavior of the subject, establishing an evaluation model of the objective dynamic credit rating on a third-party platform according to a fuzzy neural network mathematical algorithm, and calculating the objective dynamic credit rating of the subject according to the evaluation model.
6. The subjective loyalty awareness-based objective dynamic credit rating method of claim 3, wherein the third party platform forms the rating for the subject's objective dynamic credit, and further comprises automatically modifying the rating for the subject's objective dynamic credit to form a dynamic rating for the subject's objective dynamic credit.
7. The subjective, honesty-aware-based, objective, dynamic credit rating method of claim 3, wherein the credit performance information of the raters voluntarily pushed by the rater clients to the third-party platforms is time-stamped credit performance information of the raters, so as to form non-tampered credit performance information of the raters on the third-party platforms.
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