CN106897930A - A kind of method and device of credit evaluation - Google Patents
A kind of method and device of credit evaluation Download PDFInfo
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- CN106897930A CN106897930A CN201710126615.2A CN201710126615A CN106897930A CN 106897930 A CN106897930 A CN 106897930A CN 201710126615 A CN201710126615 A CN 201710126615A CN 106897930 A CN106897930 A CN 106897930A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
- G06F16/2308—Concurrency control
- G06F16/2315—Optimistic concurrency control
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
- G06F16/2358—Change logging, detection, and notification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
- G06F16/2365—Ensuring data consistency and integrity
Abstract
The invention provides a kind of method and device of credit evaluation, the method includes：Credit data is gathered from least two data mediums, and by credit data storage to default credit database；Any one reference object is directed to, the credit data of the reference object is read from the credit database；And according to the credit data for reading, credit evaluation is carried out to the reference object by default assessment models, form corresponding credit evaluation report and store；Credit inquiry request according to outside input, determines reference object to be checked；The credit evaluation report of the reference object to be checked is read, and is exported.The device includes：Collecting unit, assessment unit, receiving unit and output unit.This programme can improve the efficiency for carrying out credit evaluation.
Description
Technical field
The present invention relates to technical field of data processing, more particularly to a kind of method and device of credit evaluation.
Background technology
Credit evaluation refers to that credit evaluation mechanism uses expert judgments or data analysing method, and personal and enterprise is honoured an agreement respectively
Planting capacity of consent and prestige degree carries out thoroughly evaluating, and, to meet society. with simple and clear symbol or document presentation out
The market behavior of needs.Credit evaluation is widely used in the aspects such as lend-borrow action, Corporate finance, has in market economy important
Effect.
At present, when credit evaluation is carried out to personal or enterprise, data resource is obtained from various data mediums, according to institute
The data resource for getting is estimated to the credit of personal or enterprise.
The method for carrying out credit evaluation at present is directed to, it is different for being distributed in the data resource that credit is estimated
In data medium, when needing to carry out credit evaluation, it is necessary to expend longer time obtains phase from each data medium respectively
Data resource is closed, the less efficient of credit evaluation is caused.
The content of the invention
The embodiment of the invention provides a kind of method and device of credit evaluation, it is possible to increase carry out the effect of credit evaluation
Rate.
In a first aspect, the embodiment of the invention provides a kind of method of credit evaluation, adopted from least two data mediums
Collection credit data, and by credit data storage to default credit database, also include：
Any one reference object is directed to, the credit data of the reference object is read from the credit database；
And according to the credit data for reading, credit evaluation is carried out to the reference object by default assessment models, formed
Corresponding credit evaluation report is simultaneously stored；
Credit inquiry request according to outside input, determines reference object to be checked；
The credit evaluation report of the reference object to be checked is read, and is exported.
Preferably, it is described that credit data is gathered from least two data mediums, and by credit data storage in advance
If credit database in, including：
The credit data of natural person is gathered from least two data medium, and by the credit data of the natural person
In storing default natural person's credit database；
The credit data of legal person is gathered from least two data medium, and the credit data of the legal person is stored
To in default legal person's credit database.
Preferably, the method for the credit evaluation is further included：
Every default time interval, the renewal credit data at least two data medium is gathered；
The credit data stored in the credit database is updated by the renewal credit data；
Wherein, it is any one or more during the renewal includes deleting, increase and changing.
Preferably, after the corresponding credit evaluation report of the formation and storage, further include：
According to the credit evaluation report of each reference object, determine that credit grade is less than default credit grade threshold value
Reference of breaking one's promise object；
Publicity is carried out to the reference object of breaking one's promise by publicity window；
Wherein, the reference object of the reference object and/or legal person type of the reference object of breaking one's promise including natural person's type.
Preferably,
The data medium includes：Government unit's database, public institution's database, financial institutions databases, enterprise's number
According to storehouse, mass organizations database or internet storage center.
Preferably,
The credit evaluation report includes：Enterprise evaluation report, personal assessment's report, internal reference report, outside reference
It is any one or more in report, credit rating report and comprehensive report.
Second aspect, the embodiment of the present invention additionally provides a kind of device of credit evaluation, including：Collecting unit, assessment are single
Unit, receiving unit and output unit；
The collecting unit, for gathering credit data from least two data mediums, and the credit data is deposited
In storing up default credit database；
The assessment unit, for being directed to any one reference object, reads by described from the credit database
The credit data of the reference object of collecting unit storage；And according to the credit data for reading, commented by default
Estimating model carries out credit evaluation to the reference object, forms corresponding credit evaluation report and stores；
The receiving unit, for being asked according to the credit inquiry of outside input, determines reference object to be checked；
The output unit, for read the reference object described to be checked that the receiving unit determines credit report simultaneously
Output, wherein the credit report for being read is formed and stored by the assessment unit.
Preferably,
The collecting unit, the credit data for gathering natural person from least two data medium, and by institute
The credit data for stating natural person is stored in default natural person's credit database；And from least two data medium
The credit data of legal person is gathered, and by the credit data storage of the legal person to default legal person's credit database.
Preferably, the device of the credit evaluation is further included：Updating block；
The updating block, for every default time interval, gathering the renewal at least two data medium
Credit data, and the collecting unit is stored to the credit in the credit database by the renewal credit data
Data are updated；Wherein, it is any one or more during the renewal includes deleting, increase and changing.
Preferably, the device of the credit evaluation is further included：Publicity unit；
The publicity unit, for being formed according to assessment unit and the credit evaluation report of each reference object that stores
Accuse, determine that credit grade is less than the reference object of breaking one's promise of default credit grade threshold value, and described breaking one's promise is levied by publicity window
Letter object carries out publicity；Wherein, the reference object of breaking one's promise includes the reference object of natural person's type and/or levying for legal person's type
Letter object.
A kind of method and device of credit evaluation is the embodiment of the invention provides, credit number is gathered from multiple data mediums
According to rear storage to credit database, according to the credit data stored in credit database, by default assessment models to levying
Letter object carries out credit evaluation, forms credit evaluation report.It is after credit inquiry request is received, reference to be checked is corresponding
Credit evaluation report is exported.As can be seen here, in advance from different data medium collection credit data storage to credit database,
The credit data stored in direct basis credit database forms the credit evaluation report of reference object, when needing to reference object
Credit when being estimated, the credit evaluation report output of the reference object that only need to will be pre-formed and store, so as to save
The time that credit data is collected is saved, the efficiency for carrying out credit evaluation is improve.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are the present invention
Some embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
These accompanying drawings obtain other accompanying drawings.
Fig. 1 is a kind of method flow diagram of credit evaluation that one embodiment of the invention is provided；
Fig. 2 is a kind of method flow diagram of credit evaluation that another embodiment of the present invention is provided；
Fig. 3 is a kind of schematic diagram of the device place equipment of credit evaluation that one embodiment of the invention is provided；
Fig. 4 is a kind of schematic device of credit evaluation that one embodiment of the invention is provided；
Fig. 5 is a kind of schematic device of credit evaluation that another embodiment of the present invention is provided；
Fig. 6 is a kind of schematic device of credit evaluation that another embodiment of the invention is provided.
Specific embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
A part of embodiment of the present invention, rather than whole embodiments, based on the embodiment in the present invention, those of ordinary skill in the art
The every other embodiment obtained on the premise of creative work is not made, belongs to the scope of protection of the invention.
As shown in figure 1, the embodiment of the invention provides a kind of method of credit evaluation, the method can include following step
Suddenly：
Step 101：Credit data is gathered from least two data mediums, and credit data storage is arrived default
In credit database；
Step 102：Any one reference object is directed to, the letter of the reference object is read from the credit database
Use data；And according to the credit data for reading, credit is carried out to the reference object by default assessment models and is commented
Estimate, form corresponding credit evaluation report and store；
Step 103：Credit inquiry request according to outside input, determines reference object to be checked；
Step 104：The credit evaluation report of the reference object to be checked is read, and is exported.
A kind of method of credit evaluation is the embodiment of the invention provides, is deposited after gathering credit data from multiple data mediums
In storing up credit database, according to the credit data stored in credit database, by default assessment models to reference object
Credit evaluation is carried out, credit evaluation report is formed.After credit inquiry request is received, the corresponding credit of reference to be checked is commented
Estimate report output.As can be seen here, in advance from different data medium collection credit data storage to credit database, directly according to
The credit evaluation report of reference object is formed according to the credit data stored in credit database, when needing the credit to reference object
When being estimated, the credit evaluation report output of the reference object that only need to will be pre-formed and store, so as to save credit
The time of Data Collection, improve the efficiency for carrying out credit evaluation.
In an embodiment of the invention, during being gathered in step 101 and storing credit data, natural person can be believed
Stored respectively with data and legal person's credit data.Specifically, the credit data of natural person is gathered from each data medium,
And the credit data that will be collected is stored in natural person's credit database set in advance；Correspondingly, from each data medium
The credit data of upper collection legal person, and in the data Cun Chudao legal person's credit databases set in advance that will be collected.
According to the type of reference object, the natural person's credit data storage that will be collected, will to natural person's credit database
The legal person's credit data storage for collecting so is deposited different types of credit data to legal person's credit database respectively
Storage, reduces the scope of credit data search, is easy to carry out credit data extraction during credit evaluation, and further increasing carries out letter
With the efficiency of assessment.
In an embodiment of the invention, after step 101, not every default time interval, again to each data
Carrier carries out credit data collection, obtains the renewal credit data in each data medium, and according to the renewal credit for getting
Data are updated to original credit data in credit database.The process being updated to credit data in credit database
Can be to adding new credit data in credit database, or delete original credit data in credit database,
Can also be and original credit data in credit database is modified.
Because reference object can constantly produce new credit data, produced new credit number in social activities is carried out
Credit data is updated according to being, is regularly obtained from each data medium after updating credit data, by the renewal credit for getting
Data are updated to original credit data in credit database, it is ensured that the accuracy of credit data and complete in credit database
Face property, and then guarantee carries out the standard of formation credit evaluation report after credit evaluation according to credit data is stored in credit database
True property.
In addition, after being updated to the credit data in credit database by updating credit data, re-executing step
Rapid 102, according to the credit data after being updated in credit database, credit evaluation is carried out to each reference object again, form new
Credit evaluation report be updated with to the credit evaluation report for storing before.So, carried out by credit evaluation report
Update, make credit evaluation report corresponding with the credit data in credit database, it is ensured that according to credit inquiry request output
Credit evaluation report can truly reflect the credit situation of reference object to be checked, improve the accuracy of credit evaluation report.
In an embodiment of the invention, after step 102 is stored the credit evaluation report of formation, can be with root
Determine that credit grade is less than the reference object of breaking one's promise of default credit grade threshold value according to the credit evaluation report of each reference object, lead to
Crossing break one's promise reference object of the publicity window to determining carries out publicity.Wherein, reference of breaking one's promise object can be natural person's type
The reference object of reference object, or legal person's type.
Due to the credit evaluation of each reference object is formed in the embodiment of the present invention according to credit data in credit database
Report and store, such that it is able to determine the credit grade of each reference object according to the credit evaluation report of each reference object.
Reference object of breaking one's promise that thus can be relatively low to credit grade carries out publicity, to play a part of deterrence, warning.Therefore, originally
The credit estimation method that inventive embodiments are provided provides the foundation condition for publicity of breaking one's promise, can be by the credit estimation method application
In publicity field of breaking one's promise, the applicability of the credit estimation method is further increased.
In an embodiment of the invention, when gathering credit data from data medium, data medium can be government's list
Position database, public institution's database, financial institutions databases, enterprise database, mass organizations database and internet storage
It is any one or more in center.
Because reference object can be with government unit, cause unit, financial institution, enterprise, mass organizations in social activities
Business contact is carried out Deng mechanism, the record data during business contact can be as credit data to the credit of reference object
Be estimated, these business contact data are stored in the database of corresponding mechanism, such that it is able to from government's unit data storehouse,
Credit data is gathered on public institution's database, financial institutions databases, enterprise database, mass organizations database.In addition, levying
Letter object can produce Web vector graphic credit record during internet use, and Web vector graphic credit record is also user credit
One important indicator, these Web vector graphic credit records are stored in internet storage center, in being stored from internet
The heart gathers credit data.
By government unit's database, public institution's database, financial institutions databases, enterprise database, mass organizations
The multiple data medium collection credit data such as database and internet storage center, it is ensured that the credit data energy in credit database
The credit activity of enough more comprehensively reaction reference objects, so as to ensure the accuracy of formed credit report.
In an embodiment of the invention, the credit report that step 102 is formed includes enterprise evaluation report, personal assessment
It is any one or more in report, internal reference report, outside reference report, credit rating report and comprehensive report.
By different credit evaluation models, personal assessment's report can be formed for natural person, can be with shape for legal person
Into business assessment report, while internal reference report, outside reference report, credit rating report and comprehensive report can also be formed
Etc. various different types of credit evaluation reports.Because different credit reports is applied to different scenes, by different letters
Various types of credit evaluation reports are formed with assessment models, after the credit inquiry request for receiving user's transmission, can be with root
The credit evaluation report of one or more types is sent to user according to the demand of user, to meet the demand of different user, so that
Further increase the applicability of the credit estimation method.
Below so that the credit to natural person and legal person is estimated as an example, to credit evaluation side provided in an embodiment of the present invention
Method is described in further detail, as shown in Fig. 2 the method may comprise steps of：
Step 201：Credit data is gathered from multiple data mediums, natural person's credit data and legal person's credit number is obtained
According to.
In an embodiment of the invention, from unit data storehouse, public institution's database, financial institutions databases, enterprise
Credit data is gathered in the data mediums such as database, mass organizations database and internet storage center.In collection credit data
During, according to the difference of reference object, if reference object is natural person, natural person is gathered from each data medium
Credit data；If reference object is legal person, legal person's credit number of legal person's correspondence enterprise is gathered from each data medium
According to.Wherein, credit data various design societies such as including credit card repayment information, public security system record of bad behavior information, debt information
The information of meeting activity.
For example, from the system acquisition such as bank, social security, the tax, public security natural person and the credit data of legal person, 100,000 are obtained altogether
Natural person's credit data of individual natural person and 20,000 legal person's credit datas of legal person.
Step 202：By natural person's credit data storage to natural person's credit database, by legal person's credit data storage to method
People's credit database.
In an embodiment of the invention, natural person's credit database and legal person's credit database are pre-created, in collection
To after natural person's credit data and legal person's credit data, natural person's credit data is stored in natural person's credit database, and
By in legal person's credit data storage to legal person's credit database.When credit data is stored, according to reference object to credit data
Carry out slitting storage.
For example, natural person's credit data of 100,000 natural persons that will be collected is stored to the natural person's credit being pre-created
In database, during storage, slitting storage is carried out according to natural person, i.e., 100,000 are stored in natural person's credit database
Bar natural person's credit data, every natural person's credit data one natural person of correspondence, different bar natural person credit data correspondences are not
Same natural person, and every natural person's credit data all includes at least one credit record (credit card repayment information, loan
In information, debt information etc. one or more).Correspondingly, in the form of slitting storage, 20,000 legal persons' that will be collected
In legal person's credit database that legal person's credit data storage is pre-created.
Step 203：Natural person's credit data and legal person's credit data are extracted, credit evaluation is carried out and is formed credit evaluation report
Accuse.
In an embodiment of the invention, the reference object of each natural person's type is directed to, from natural person's credit number
Corresponding natural person's credit data is extracted according to storehouse, according to the natural person's credit data for being extracted, is commented by predefined credit
Estimating model carries out credit evaluation to the reference object of natural person's type, forms corresponding credit evaluation report, and to being formed
Credit evaluation report stored.Correspondingly, the reference object of each legal person's type is directed to, from legal person's credit database
Corresponding legal person's credit data is extracted, according to the legal person's credit data for being extracted, by predefined credit evaluation model pair
The reference object of legal person's type carries out credit evaluation, forms corresponding credit evaluation report, and the credit evaluation to being formed
Report is stored.Wherein, the credit evaluation for natural person and legal person includes, may each comprise enterprise evaluation report, personal
It is any one or more in assessment report, internal reference report, outside reference report, credit rating report and comprehensive report.
For example, 100,000 natural person's credit datas of natural person are extracted from natural person's credit database successively, according to pre-
The credit evaluation model for first defining, natural person's credit data of each natural person is substituted into credit evaluation model respectively carries out letter
With assessment, the credit evaluation report of each natural person is obtained, minimum 100,000 parts of credit evaluation reports (each nature is obtained altogether
People may correspond to many parts of credit evaluation reports), and to formed credit evaluation report store.Correspondingly, from legal person's credit
20,000 legal person's credit datas of legal person are extracted in database, according to pre-defined credit evaluation model, respectively by each method
The credit data of people substitutes into credit evaluation model and carries out credit evaluation, obtains the credit evaluation report of each legal person, obtains altogether
Obtain at least 20,000 parts of credit evaluation reports (each legal person may correspond to many parts of credit evaluation reports), and the credit evaluation that will be formed
Report is stored.
Step 204：The credit inquiry request of outside input is received, and reference pair to be checked is determined according to credit inquiry request
As.
In an embodiment of the invention, the credit inquiry request that external user sends is received, is asked according to credit inquiry,
Determine the reference object to be checked to be inquired about of user.Specifically, user's registration interface is provided previously by, user enters in register interface
Go after registering and being audited, credit inquiry can be sent by query interface and asked, carried in credit inquiry request to be checked
Ask the identification information of reference object, such as ID card No. etc..
For example, receiving credit inquiry request A, A is asked to determine that reference object to be checked is natural person A according to credit inquiry.
Step 205：The credit evaluation report of reference object to be checked is obtained, and is exported.
In an embodiment of the invention, according to the reference object to be checked determined, determined in obtaining step 204
The credit evaluation report of reference object to be checked, and the credit evaluation report output that will be got.Wherein, the credit for being exported is commented
Estimate many parts of different types of credit evaluation reports that report may be reference object to be checked, particular type and quantity can bases
Credit inquiry request determines.
For example, the credit evaluation report of natural person A is obtained, and the credit evaluation report output that will be got.
As shown in Figure 3, Figure 4, the embodiment of the invention provides a kind of device of credit evaluation.Device embodiment can pass through
Software is realized, it is also possible to realized by way of hardware or software and hardware combining.From for hardware view, as shown in figure 3, being this
A kind of hardware structure diagram of equipment where the device of the credit evaluation that inventive embodiments are provided, except the processor shown in Fig. 3, interior
Deposit, outside network interface and nonvolatile memory, the equipment in embodiment where device can also generally include that other are hard
Part, is such as responsible for the forwarding chip for the treatment of message.As a example by implemented in software, as shown in figure 4, as on a logical meaning
Device, is during corresponding computer program instructions in nonvolatile memory are read into internal memory by the CPU of equipment where it
What operation was formed.The device of the credit evaluation that the present embodiment is provided, including：Collecting unit 401, assessment unit 402, receiving unit
403 and output unit 404；
The collecting unit 401, for gathering credit data from least two data mediums, and by the credit data
In storing default credit database；
The assessment unit 402, for being directed to any one reference object, reads by institute from the credit database
State the credit data of the reference object of the storage of collecting unit 401；And according to the credit data for reading, by default
Assessment models carry out credit evaluation to the reference object, form corresponding credit evaluation report and simultaneously store；
The receiving unit 403, for being asked according to the credit inquiry of outside input, determines reference object to be checked；
The output unit 404, the credit of the reference object described to be checked for reading the determination of the receiving unit 403
Report and export, wherein the credit report for being read is formed and stored by the assessment unit 402.
In an embodiment of the invention, collecting unit 401 is used to gather nature from least two data medium
The credit data of people, and by the credit data storage of the natural person to default natural person's credit database；And from institute
The credit data that legal person is gathered at least two data mediums is stated, and default legal person is arrived into the credit data storage of the legal person
In credit database.
In an embodiment of the invention, as shown in figure 5, the device of the credit evaluation can also include：Updating block
505；
Updating block 505, for every default time interval, gathering the renewal letter at least two data medium
With data, and the letter in the credit database is stored to the collecting unit 401 by the renewal credit data
It is updated with data；Wherein, it is any one or more during the renewal includes deleting, increase and changing.
In an embodiment of the invention, as shown in fig. 6, the device of the credit evaluation can also include：Publicity unit
606；
Publicity unit 606, the credit evaluation of each reference object for being formed and being stored according to assessment unit 402
Report, determines that credit grade is less than the reference object of breaking one's promise of default credit grade threshold value, and break one's promise described by publicity window
Reference object carries out publicity；Wherein, the reference object of the reference object including natural person's type of breaking one's promise and/or legal person's type
Reference object.
The contents such as the information exchange between each unit, implementation procedure in said apparatus, due to implementing with the inventive method
Example is based on same design, and particular content can be found in the narration in the inventive method embodiment, and here is omitted.
It should be noted that credit evaluation device provided in an embodiment of the present invention can be arranged beyond the clouds, realize that credit is provided
Source cloud, data, services cloud, with green energy conservation, elastic calculation, virtualization, distributed storage and calculating, many copies of data
Fault-tolerant, calculate node isomorphism is interchangeable, the features such as being easy to centralization construction, management, safeguard and run.
One embodiment of the invention additionally provides a kind of computer-readable recording medium, including execute instruction, when the treatment of storage control
When device performs the execute instruction, the method that the storage control performs the credit evaluation that above-mentioned each embodiment is provided.
One embodiment of the invention additionally provides a kind of storage control, including：Processor, memory and bus；
The memory is used to store execute instruction, and the processor is connected with the memory by the bus, when
When the storage control runs, the execute instruction of memory storage described in the computing device, so that the storage
The method that controller performs the credit evaluation that above-mentioned each embodiment is provided.
To sum up, the method and device of the credit evaluation that each embodiment of the invention is provided, at least has the advantages that：
1st, in the method and device of credit evaluation provided in an embodiment of the present invention, credit is gathered from multiple data mediums
In storing credit database after data, according to the credit data stored in credit database, by default assessment models pair
Reference object carries out credit evaluation, forms credit evaluation report.After credit inquiry request is received, by reference to be checked correspondence
Credit evaluation report output.As can be seen here, in advance from different data medium collection credit data storages to credit database
In, the credit data stored in direct basis credit database forms the credit evaluation report of reference object, when needing to reference
When the credit of object is estimated, the credit evaluation report output of the reference object that only need to will be pre-formed and store, from
And the time that credit data is collected is saved, improve the efficiency for carrying out credit evaluation.
2nd, in the method and device of credit evaluation provided in an embodiment of the present invention, when credit data is gathered, according to levying
Believe that corresponding type is different, the natural person's credit data and legal person's credit data that will be collected are respectively stored into natural person's credit number
According in storehouse and legal person's credit database.When including large number of reference object, the data volume of credit data is very huge, will
Different types of credit data is stored respectively, hunting zone when extracting credit data is reduced, when being easy to credit evaluation
Credit data extraction is carried out, shortens the time needed for extracting credit data, the efficiency of credit evaluation is carried out so as to improve.
3rd, in the method and device of credit evaluation provided in an embodiment of the present invention, because each data medium can not stopping pregnancy
The new credit data of life, regularly obtains after updating credit data, by the renewal credit data for getting from each data medium
Original credit data in credit database is updated, it is ensured that in credit database the accuracy of credit data and comprehensively
Property, and then ensure to carry out the accurate of formation credit evaluation report after credit evaluation according to storing credit data in credit database
Property.
4th, in the method and device of credit evaluation provided in an embodiment of the present invention, the credit data in credit database
While being updated, the time interval of each setting re-starts credit evaluation to reference object, forms new credit evaluation
Report, so as to be updated to credit evaluation report.It is updated by credit evaluation report, makes credit evaluation report with letter
It is corresponding with the credit data in database, it is ensured that the credit evaluation report according to credit inquiry request output can truly reflect
The credit situation of reference object to be checked, improves the accuracy of credit evaluation report.
5th, in the method and device of credit evaluation provided in an embodiment of the present invention, the corresponding credit of each reference is being obtained
After assessment report, the credit grade of each reference object, the mistake relatively low to credit grade can be determined according to credit evaluation report
Letter reference object carries out publicity, to play a part of deterrence, warning.Therefore, credit estimation method provided in an embodiment of the present invention
For publicity of breaking one's promise provides the foundation condition, the credit estimation method can be applied to publicity field of breaking one's promise, further increased
The applicability of the credit estimation method.
6th, in the method and device of credit evaluation provided in an embodiment of the present invention, when credit data is gathered, by political affairs
Fu Danweishuojuku, public institution's database, financial institutions databases, enterprise database, mass organizations database and internet
The multiple data medium collection credit data such as storage center, it is ensured that the credit data in credit database can more comprehensively react
The credit activity of reference object, so as to ensure the accuracy of formed credit report.
7th, in the method and device of credit evaluation provided in an embodiment of the present invention, according to the credit that credit data is formed
Assessment includes being enterprise evaluation report, personal assessment's report, internal reference report, outside reference report, credit rating report
It is any one or more in announcement and comprehensive report.Because different credit reports is applied to different scenes, by different
Credit evaluation model forms various types of credit evaluation reports, after the credit inquiry request for receiving user's transmission, can be with
Demand according to user sends the credit evaluation report of one or more types to user, to meet the demand of different user, from
And further increase the applicability of the credit estimation method.
It should be noted that herein, such as first and second etc relational terms are used merely to an entity
Or operation makes a distinction with another entity or operation, and not necessarily require or imply these entities or exist between operating
Any this actual relation or order.And, term " including ", "comprising" or its any other variant be intended to it is non-
It is exclusive to include, so that process, method, article or equipment including a series of key elements not only include those key elements,
But also other key elements including being not expressly set out, or also include by this process, method, article or equipment are solid
Some key elements.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including
Also there is other identical factor in the process of the key element, method, article or equipment.
One of ordinary skill in the art will appreciate that：Realizing all or part of step of above method embodiment can pass through
Programmed instruction related hardware is completed, and foregoing program can be stored in the storage medium of embodied on computer readable, the program
Upon execution, the step of including above method embodiment is performed；And foregoing storage medium includes：ROM, RAM, magnetic disc or light
Disk etc. is various can be with the medium of store program codes.
It is last it should be noted that：Presently preferred embodiments of the present invention is the foregoing is only, skill of the invention is merely to illustrate
Art scheme, is not intended to limit the scope of the present invention.All any modifications made within the spirit and principles in the present invention,
Equivalent, improvement etc., are all contained in protection scope of the present invention.
Claims (10)
1. a kind of method of credit evaluation, it is characterised in that credit data is gathered from least two data mediums, and will be described
Credit data is stored in default credit database, is also included：
Any one reference object is directed to, the credit data of the reference object is read from the credit database；And root
According to the credit data for reading, credit evaluation is carried out to the reference object by default assessment models, form correspondence
Credit evaluation report and store；
Credit inquiry request according to outside input, determines reference object to be checked；
The credit evaluation report of the reference object to be checked is read, and is exported.
2. method according to claim 1, it is characterised in that
It is described that credit data is gathered from least two data mediums, and default credit data is arrived into credit data storage
In storehouse, including：
The credit data of natural person is gathered from least two data medium, and the credit data of the natural person is stored
To in default natural person's credit database；
The credit data of legal person is gathered from least two data medium, and by the credit data storage of the legal person in advance
If legal person's credit database in.
3. method according to claim 1, it is characterised in that further include：
Every default time interval, the renewal credit data at least two data medium is gathered；
The credit data stored in the credit database is updated by the renewal credit data；
Wherein, it is any one or more during the renewal includes deleting, increase and changing.
4. method according to claim 1, it is characterised in that
After the corresponding credit evaluation report of the formation and storage, further include：
According to the credit evaluation report of each reference object, determine that credit grade is less than breaking one's promise for default credit grade threshold value
Reference object；
Publicity is carried out to the reference object of breaking one's promise by publicity window；
Wherein, the reference object of the reference object and/or legal person type of the reference object of breaking one's promise including natural person's type.
5. according to any described method in Claims 1-4, it is characterised in that
The data medium includes：Government unit's database, public institution's database, financial institutions databases, enterprise database,
Mass organizations database or internet storage center.
6. according to any described method in Claims 1-4, it is characterised in that
The credit evaluation report includes：Enterprise evaluation report, personal assessment are reported, internal reference is reported, outside reference is reported,
It is any one or more in credit rating report and comprehensive report.
7. a kind of device of credit evaluation, it is characterised in that including：Collecting unit, assessment unit, receiving unit and output are single
Unit；
The collecting unit, for gathering credit data from least two data mediums, and the credit data storage is arrived
In default credit database；
The assessment unit, for being directed to any one reference object, reads by the collection from the credit database
The credit data of the reference object of unit storage；And according to the credit data for reading, by default assessment mould
Type carries out credit evaluation to the reference object, forms corresponding credit evaluation report and stores；
The receiving unit, for being asked according to the credit inquiry of outside input, determines reference object to be checked；
The output unit, for reading the credit report of the reference object described to be checked that the receiving unit determines and defeated
Go out, wherein the credit report for being read is formed and stored by the assessment unit.
8. device according to claim 7, it is characterised in that
The collecting unit, the credit data for gathering natural person from least two data medium, and by described in certainly
The credit data of right people is stored in default natural person's credit database；And gathered from least two data medium
The credit data of legal person, and by the credit data storage of the legal person to default legal person's credit database.
9. device according to claim 7, it is characterised in that further include：Updating block；
The updating block, for every default time interval, gathering the renewal credit at least two data medium
Data, and the collecting unit is stored to the credit data in the credit database by the renewal credit data
It is updated；Wherein, it is any one or more during the renewal includes deleting, increase and changing.
10. device according to claim 1, it is characterised in that further include：Publicity unit；
The publicity unit, for being formed according to assessment unit and the credit evaluation report of each reference object that stores,
Determine that credit grade is less than the reference object of breaking one's promise of default credit grade threshold value, and by publicity window to the reference pair of breaking one's promise
As carrying out publicity；Wherein, the reference pair of the reference object and/or legal person type of the reference object of breaking one's promise including natural person's type
As.
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| CN201710126615.2A CN106897930A (en) | 2017-03-03 | 2017-03-03 | A kind of method and device of credit evaluation |
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| CN107368962A (en) * | 2017-07-13 | 2017-11-21 | 上海文沥信息技术有限公司 | The automatic reference method and system of business transaction |
| CN107368971A (en) * | 2017-07-24 | 2017-11-21 | 北京汇通金财信息科技有限公司 | The methods of marking and device of a kind of personal credit |
| CN107426237A (en) * | 2017-08-10 | 2017-12-01 | 汪清翼嘉电子商务有限公司 | The big data network verifying system and method for a kind of userspersonal information |
| CN107730283A (en) * | 2017-11-03 | 2018-02-23 | 中国银行股份有限公司 | A kind of reference method and device of medium-sized and small enterprises |
| CN108846731A (en) * | 2018-06-28 | 2018-11-20 | 合肥右传媒科技有限公司 | A kind of assessment system of business standing degree |
| CN109447399A (en) * | 2018-09-17 | 2019-03-08 | 平安科技（深圳）有限公司 | Applicant's rating calculation method, apparatus, computer equipment and storage medium |
| CN110020920A (en) * | 2019-04-03 | 2019-07-16 | 爱数科技服务(北京)有限公司 | Credit estimation method, device and storage medium |
| CN110957024A (en) * | 2019-10-25 | 2020-04-03 | 卫宁健康科技集团股份有限公司 | Medical credit evaluation method, device and storage medium |
| CN111368313A (en) * | 2020-02-27 | 2020-07-03 | 上海资信有限公司 | Method for information subject to participate in credit activity on Internet platform by using credit report |
| CN111652716A (en) * | 2020-07-06 | 2020-09-11 | 中国银行股份有限公司 | Method and device for determining label of account number |
| CN112069209A (en) * | 2020-07-05 | 2020-12-11 | 中信银行股份有限公司 | Transaction information query method, device and storage medium |
| CN112541681A (en) * | 2020-12-15 | 2021-03-23 | 中国邮电器材集团有限公司 | Method and system for realizing enterprise credit worthiness rating |
| CN113313577A (en) * | 2021-06-15 | 2021-08-27 | 中国银行股份有限公司 | Credit data processing method, device and equipment |
| CN115640864A (en) * | 2022-11-11 | 2023-01-24 | 深圳伯医科技有限公司 | Blacklist control method based on user reservation behavior and related equipment |
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| CN107368962B (en) * | 2017-07-13 | 2021-06-01 | 上海文沥信息技术有限公司 | Automatic credit investigation method and system for enterprise transaction |
| CN107368962A (en) * | 2017-07-13 | 2017-11-21 | 上海文沥信息技术有限公司 | The automatic reference method and system of business transaction |
| CN107368971A (en) * | 2017-07-24 | 2017-11-21 | 北京汇通金财信息科技有限公司 | The methods of marking and device of a kind of personal credit |
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| CN107730283A (en) * | 2017-11-03 | 2018-02-23 | 中国银行股份有限公司 | A kind of reference method and device of medium-sized and small enterprises |
| CN108846731A (en) * | 2018-06-28 | 2018-11-20 | 合肥右传媒科技有限公司 | A kind of assessment system of business standing degree |
| CN109447399A (en) * | 2018-09-17 | 2019-03-08 | 平安科技（深圳）有限公司 | Applicant's rating calculation method, apparatus, computer equipment and storage medium |
| CN110020920A (en) * | 2019-04-03 | 2019-07-16 | 爱数科技服务(北京)有限公司 | Credit estimation method, device and storage medium |
| CN110957024A (en) * | 2019-10-25 | 2020-04-03 | 卫宁健康科技集团股份有限公司 | Medical credit evaluation method, device and storage medium |
| CN111368313A (en) * | 2020-02-27 | 2020-07-03 | 上海资信有限公司 | Method for information subject to participate in credit activity on Internet platform by using credit report |
| CN111368313B (en) * | 2020-02-27 | 2023-09-01 | 上海资信有限公司 | Method for information body to participate in credit activities by using credit report on Internet platform |
| CN112069209A (en) * | 2020-07-05 | 2020-12-11 | 中信银行股份有限公司 | Transaction information query method, device and storage medium |
| CN111652716A (en) * | 2020-07-06 | 2020-09-11 | 中国银行股份有限公司 | Method and device for determining label of account number |
| CN111652716B (en) * | 2020-07-06 | 2023-11-21 | 中国银行股份有限公司 | First credit user tag determining method and device |
| CN112541681A (en) * | 2020-12-15 | 2021-03-23 | 中国邮电器材集团有限公司 | Method and system for realizing enterprise credit worthiness rating |
| CN113313577A (en) * | 2021-06-15 | 2021-08-27 | 中国银行股份有限公司 | Credit data processing method, device and equipment |
| CN115640864A (en) * | 2022-11-11 | 2023-01-24 | 深圳伯医科技有限公司 | Blacklist control method based on user reservation behavior and related equipment |
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Application publication date: 20170627 |