CN107563614A - A kind of business risk appraisal procedure and device - Google Patents

A kind of business risk appraisal procedure and device Download PDF

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Publication number
CN107563614A
CN107563614A CN201710701343.4A CN201710701343A CN107563614A CN 107563614 A CN107563614 A CN 107563614A CN 201710701343 A CN201710701343 A CN 201710701343A CN 107563614 A CN107563614 A CN 107563614A
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China
Prior art keywords
risk
information
company
enterprise
public information
Prior art date
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Pending
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CN201710701343.4A
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Chinese (zh)
Inventor
赵忆辰
王军
柳超
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Beijing Dike Technology Co Ltd
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Beijing Dike Technology Co Ltd
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Priority to CN201710701343.4A priority Critical patent/CN107563614A/en
Publication of CN107563614A publication Critical patent/CN107563614A/en
Pending legal-status Critical Current

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Abstract

The embodiment of the present invention discloses a kind of business risk appraisal procedure and device, wherein, method includes:Receive the search term of user's input;The Business Name or name matched with the search term is searched in the full dimension public information database of enterprise;Based on the full dimension public information database of the enterprise, risk information corresponding to the matching result is obtained;Critical field is extracted from the risk information, forms the assessment result information for risk warning.The embodiment of the present invention can carry out business risk assessment using public information, for user clear and definite risk warning is provided from multiple data dimensions, improve the accuracy of assessment result, and the integration for passing through public information, allow users to that relevant risk is understood quickly, to make accurate judgement, to reduce the cost that user itself is explored to risk warning demand.

Description

A kind of business risk appraisal procedure and device
Technical field
The present embodiments relate to risk assessment technology field, and in particular to a kind of business risk appraisal procedure and device.
Background technology
Business risk assesses the important topic of always business professional person concern, and it can help to identify an entity The adverse events that (such as a factory or Internet firm) may face, think that enterprise or individual make corresponding decision-making and done Go out favourable guidance.
At present, it is that business risk assessment is carried out by financial statement information mostly in the prior art, but a large amount of enterprises The financial statement quality of information confidence level of especially medium-sized and small enterprises is relatively low, and typically in addition to listed company, financial statement information Or industry data seldom can be published to masses as public information.And existing public information is more at random over time and space, It is not apt to do comprehensive descision.
In consideration of it, how using public information progress business risk assessment, turn into mesh to improve the accuracy of assessment result The preceding technical issues that need to address.
The content of the invention
Because existing method has above mentioned problem, the embodiment of the present invention proposes a kind of business risk appraisal procedure and device.
In a first aspect, the embodiment of the present invention proposes a kind of business risk appraisal procedure, including:
Receive the search term of user's input;
The Business Name or name matched with the search term is searched in the full dimension public information database of enterprise;
Based on the full dimension public information database of the enterprise, risk information corresponding to the matching result is obtained;
Critical field is extracted from the risk information, forms the assessment result information for risk warning.
Alternatively, the risk information, include but is not limited to:Lawsuit, equity pledge, chattel mortgage, tax arrear bulletin, Administrative penalty, break the law on a serious scale, manage abnormal, information of breaking one's promise and be performed information.
Alternatively, the matching result includes:Company or people;
Correspondingly, it is described to be based on the full dimension public information database of the enterprise, obtain wind corresponding to the matching result Dangerous information, including:
If matching result is company, the associated companies of the said firm are obtained, and in the full dimension public information number of the enterprise The risk information of risk information according to the associated companies that acquired company is searched in storehouse and the company as matching result in itself;
If matching result is people, the associated companies of the people are obtained, and in the full dimension public information database of the enterprise The risk information of the associated companies of people acquired in middle lookup.
Alternatively, the associated companies of the company, including:The subsidiary of the said firm, parent company, rival firms, invested Company and upstream company and downstream company.
Alternatively, the associated companies of the people, including:The company invested as shareholder, serve as the public affairs of legal person or senior executive Department.
Alternatively, if any critical field extracted is corresponding with details link in the risk information, formed Be used in the assessment result information of risk warning also comprising the details link corresponding to the critical field.
Second aspect, the embodiment of the present invention also propose a kind of business risk apparatus for evaluating, including:
Receiving module, for receiving the search term of user's input;
Matching module, for searching the exabyte matched with the search term in the full dimension public information database of enterprise Title or name;
Acquisition module, for based on the full dimension public information database of the enterprise, obtaining corresponding to the matching result Risk information;
Extraction module, for extracting critical field from the risk information, form the assessment result for risk warning Information.
The third aspect, the embodiment of the present invention also propose a kind of electronic equipment, including:Processor, memory, bus and storage On a memory and the computer program that can run on a processor;
Wherein, the processor, memory complete mutual communication by the bus;
Described in the computing device above method is realized during computer program.
Fourth aspect, the embodiment of the present invention provide a kind of non-transient computer readable storage medium storing program for executing, the non-transient calculating Computer program is stored with machine readable storage medium storing program for executing, the computer program realizes the above method when being executed by processor.
As shown from the above technical solution, the search term that the embodiment of the present invention is inputted by receiving user;In the full dimension of enterprise The Business Name or name matched with the search term is searched in public information database;Disclosed based on the full dimension of the enterprise Information database, obtain risk information corresponding to the matching result;Critical field is extracted from the risk information, is formed and used It is user from more numbers thereby, it is possible to carry out business risk assessment using public information in the assessment result information of risk warning Clear and definite risk warning is provided according to dimension, improves the accuracy of assessment result, and by the integration of public information, make user Relevant risk can be understood quickly to make accurate judgement, reduce user itself to risk warning demand explored into This, improves the experience of user.
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 There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with Other accompanying drawings are obtained according to these figures.
Fig. 1 is a kind of schematic flow sheet for business risk appraisal procedure that one embodiment of the invention provides;
Fig. 2 is a kind of structural representation for business risk apparatus for evaluating that one embodiment of the invention provides;
Fig. 3 is the logic diagram for the electronic equipment that one embodiment of the invention provides.
Embodiment
Below in conjunction with the accompanying drawings, the embodiment of the present invention is further described.Following examples are only used for more Clearly demonstrate technical scheme, and can not be limited the scope of the invention with this.
Fig. 1 shows a kind of schematic flow sheet for business risk appraisal procedure that one embodiment of the invention provides, such as Fig. 1 institutes Show, the business risk appraisal procedure of the present embodiment, including:
S101, the search term for receiving user's input.
S102, the Business Name matched with the search term or people are searched in the full dimension public information database of enterprise Name.
In a particular application, the full dimension public information database of the enterprise, can include:Business Name, substantially industry and commerce Information, legal person, senior executive, enterprise annual reports, equity structure, enterprise's family tree, investment family tree, intellectual property, recruitment information, tax grading With risk information etc., the present embodiment is not limited, and can also include enterprise's others open letter according to actual conditions Breath.Wherein, the senior executive includes:Director, supervisor, manager etc..
S103, based on the full dimension public information database of the enterprise, obtain risk information corresponding to the matching result.
In a particular application, the risk information includes but is not limited to:Lawsuit, equity pledge, chattel mortgage, tax arrear Bulletin, administrative penalty, break the law on a serious scale, manage abnormal, information of breaking one's promise and be performed information etc., the present embodiment is not limited it System, can also include other risk informations according to actual conditions.
It should be noted that collected in advance in the full dimension public information database of enterprise and store national enterprise Every information related to risk of industry (company).
S104, critical field is extracted from the risk information, form the assessment result information for risk warning.
Specifically, the assessment result information can include:Itself risk and periphery risk.Such as, from the risk information The assessment result information formed after middle extraction critical field can be following forms:
1) itself risk:" the said firm (relevant risk field) " or
2) periphery risk:" the said firm (incidence relation) (associated companies) (relevant risk field) ".
For example, the assessment result information is:
" the said firm Zeng Yinwei fulfills the legal obligation and enforced by law court on time ", the or " ×× of the said firm's investment × company is the company of breaking one's promise of institute of Supreme People's Court publicity ".
It is understood that the step S104 can form the overview display of corporate risk information, some enterprise is enlightened Hidden risk, contribute to user to carry out more accurate judgement, confirm that a company or related personnel have risk.
The business risk appraisal procedure of the present embodiment, utilizes a processor to realize, the search term inputted by receiving user; The Business Name or name matched with the search term is searched in the full dimension public information database of enterprise;Based on the enterprise The full dimension public information database of industry, obtains risk information corresponding to the matching result;Extract and close from the risk information Key field, the assessment result information for risk warning is formed, thereby, it is possible to carry out business risk assessment using public information, Clear and definite risk warning is provided from multiple data dimensions for user, improves the accuracy of assessment result, and pass through open letter The integration of breath, allow users to that relevant risk is understood quickly to make accurate judgement, reduce user itself and risk is warned The cost that demand is explored, improve the experience of user.
Further, on the basis of above method embodiment, matching result includes described in the present embodiment:Company or People;
Correspondingly, above-mentioned steps S103 can include:
If matching result is company, the associated companies of the said firm are obtained, and in the full dimension public information number of the enterprise The risk information of risk information according to the associated companies that acquired company is searched in storehouse and the company as matching result in itself;
If matching result is people, the associated companies of the people are obtained, and in the full dimension public information database of the enterprise The risk information of the associated companies of people acquired in middle lookup.
Wherein, the associated companies of the company, can include:The subsidiary of the said firm, parent company, rival firms and thrown The company of money and upstream company (such as supplier), downstream company (such as agent) etc., the present embodiment is not carried out to it Limitation, can also include company's others associated companies according to actual conditions.
Wherein, the associated companies of the people, can include:The company invested as shareholder, serve as legal person or senior executive Company etc., the present embodiment is not limited, and can also include people's others associated companies according to actual conditions.
It is understood that the associated companies of company/people are included within the limit of consideration of risk assessment, can be easier Where the hidden risk associated by company/people is seen on ground, and then help to predict possible risk.
Further, on the basis of above method embodiment, if any critical field extracted is believed in the risk Details link is corresponding with breath, being then used in the assessment result information of risk warning for being formed is also right comprising critical field institute The details link answered.
It is understood that being linked based on the details, user can be made to further appreciate that corresponding to details link The particular content of a certain risk described by critical field.
The business risk appraisal procedure of the present embodiment, can using public information carry out business risk assessment, be user from Multiple data dimensions provide clear and definite risk warning, improve the accuracy of assessment result, and by the integration of public information, Allow users to that relevant risk is understood quickly to make accurate judgement, reduce user itself and risk warning demand is visited The cost of rope, improve the experience of user.
Fig. 2 shows a kind of structural representation for business risk apparatus for evaluating that one embodiment of the invention provides, such as Fig. 2 institutes Show, the business risk apparatus for evaluating of the present embodiment, including:Receiving module 21, matching module 22, acquisition module 23 and extraction module 24;Wherein:
The receiving module 21, for receiving the search term of user's input;
The matching module 22, for searching what is matched with the search term in the full dimension public information database of enterprise Business Name or name;
The acquisition module 23, for based on the full dimension public information database of the enterprise, obtaining the matching result Corresponding risk information;
The extraction module 24, for extracting critical field from the risk information, form commenting for risk warning Estimate object information.
Specifically, the receiving module 21 receives the search term of user's input;The matching module 22 is in the full dimension of enterprise The Business Name or name matched with the search term is searched in public information database;The acquisition module 23 is based on described The full dimension public information database of enterprise, obtains risk information corresponding to the matching result;The extraction module 24 is from described Critical field is extracted in risk information, forms the assessment result information for risk warning.
In a particular application, the full dimension public information database of the enterprise, can include:Business Name, substantially industry and commerce Information, legal person, senior executive, enterprise annual reports, equity structure, enterprise's family tree, investment family tree, intellectual property, recruitment information, tax grading With risk information etc., the present embodiment is not limited, and can also include enterprise's others open letter according to actual conditions Breath.Wherein, the senior executive includes:Director, supervisor, manager etc..
It should be noted that collected in advance in the full dimension public information database of enterprise and store national enterprise Every information related to risk of industry (company).
In a particular application, the risk information includes but is not limited to:Lawsuit, equity pledge, chattel mortgage, tax arrear Bulletin, administrative penalty, break the law on a serious scale, manage abnormal, information of breaking one's promise and be performed information etc., the present embodiment is not limited it System, can also include other risk informations according to actual conditions.
Specifically, the assessment result information can include:Itself risk and periphery risk.Such as, from the risk information The assessment result information formed after middle extraction critical field can be following forms:
1) itself risk:" the said firm (relevant risk field) " or
2) periphery risk:" the said firm (incidence relation) (associated companies) (relevant risk field) ".
It is understood that the extraction module 24 can form the overview display of corporate risk information, some enterprise is enlightened The hidden risk of industry, contribute to user to carry out more accurate judgement, confirm that a company or related personnel have risk.
The business risk apparatus for evaluating of the present embodiment, can using public information carry out business risk assessment, be user from Multiple data dimensions provide clear and definite risk warning, improve the accuracy of assessment result, and by the integration of public information, Allow users to that relevant risk is understood quickly to make accurate judgement, reduce user itself and risk warning demand is visited The cost of rope, improve the experience of user.
Further, on the basis of above method embodiment, matching result includes described in the present embodiment:Company or People;
Correspondingly, the acquisition module 23, can be specifically used for
If matching result is company, the associated companies of the said firm are obtained, and in the full dimension public information number of the enterprise The risk information of risk information according to the associated companies that acquired company is searched in storehouse and the company as matching result in itself;
If matching result is people, the associated companies of the people are obtained, and in the full dimension public information database of the enterprise The risk information of the associated companies of people acquired in middle lookup.
Wherein, the associated companies of the company, can include:The subsidiary of the said firm, parent company, rival firms, thrown The company of money and upstream company (such as supplier) and downstream company (such as agent), the present embodiment are not carried out to it Limitation, can also include company's others associated companies according to actual conditions.
Wherein, the associated companies of the people, can include:The company invested as shareholder, serve as legal person or senior executive Company etc., the present embodiment is not limited, and can also include people's others associated companies according to actual conditions.
It is understood that the associated companies of company/people are included within the limit of consideration of risk assessment, can be easier Where the hidden risk associated by company/people is seen on ground, and then help to predict possible risk.
Further, on the basis of above method embodiment, if any critical field extracted is believed in the risk Details link is corresponding with breath, then what the extraction module 24 was formed is used in the assessment result information of risk warning also include Details link corresponding to the critical field.
It is understood that being linked based on the details, user can be made to further appreciate that corresponding to details link The particular content of a certain risk described by critical field.
The business risk apparatus for evaluating of the present embodiment, can using public information carry out business risk assessment, be user from Multiple data dimensions provide clear and definite risk warning, improve the accuracy of assessment result, and by the integration of public information, Allow users to that relevant risk is understood quickly to make accurate judgement, reduce user itself and risk warning demand is visited The cost of rope, improve the experience of user.
The business risk apparatus for evaluating of the present embodiment, it can be used for the technical scheme for performing preceding method embodiment, in fact Existing principle is similar with technique effect, and here is omitted.
Fig. 3 shows the entity structure schematic diagram of a kind of electronic equipment provided in an embodiment of the present invention, as shown in figure 3, should Electronic equipment can include:Processor 11, memory 12, bus 13 and it is stored on memory 12 and can be transported on processor 11 Capable computer program;
Wherein, the processor 11, memory 12 complete mutual communication by the bus 13;
The processor 11 realizes the method that above-mentioned each method embodiment is provided when performing the computer program, such as Including:Receive the search term of user's input;Search what is matched with the search term in the full dimension public information database of enterprise Business Name or name;Based on the full dimension public information database of the enterprise, risk corresponding to the matching result is obtained Information;Critical field is extracted from the risk information, forms the assessment result information for risk warning.
The embodiment of the present invention provides a kind of non-transient computer readable storage medium storing program for executing, is stored thereon with computer program, should Realize the method that above-mentioned each method embodiment is provided when computer program is executed by processor, such as including:It is defeated to receive user The search term entered;The Business Name matched with the search term or people are searched in the full dimension public information database of enterprise Name;Based on the full dimension public information database of the enterprise, risk information corresponding to the matching result is obtained;From the risk Critical field is extracted in information, forms the assessment result information for risk warning.
It should be understood by those skilled in the art that, embodiments herein can be provided as method, apparatus or computer program Product.Therefore, the application can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware Apply the form of example.Moreover, the application can use the computer for wherein including computer usable program code in one or more The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of product.
The application be with reference to according to the method, apparatus of the embodiment of the present application and the flow chart of computer program product and/or Block diagram describes.It should be understood that can by each flow in computer program instructions implementation process figure and/or block diagram and/or Square frame and the flow in flow chart and/or block diagram and/or the combination of square frame.These computer program instructions can be provided to arrive All-purpose computer, special-purpose computer, the processor of Embedded Processor or other programmable data processing devices are to produce one Machine so that produced by the instruction of computer or the computing device of other programmable data processing devices and flowed for realizing The device/system for the function of being specified in one flow of journey figure or multiple flows and/or one square frame of block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in individual square frame or multiple square frames.
It should be noted that herein, such as first and second or the like relational terms are used merely to a reality Body or operation make a distinction with another entity or operation, and not necessarily require or imply and deposited between these entities or operation In any this actual relation or order.Moreover, term " comprising ", "comprising" or its any other variant are intended to Nonexcludability includes, so that process, method, article or equipment including a series of elements not only will including those Element, but also the other element including being not expressly set out, or it is this process, method, article or equipment also to include Intrinsic key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that Other identical element also be present in process, method, article or equipment including the key element.Term " on ", " under " etc. refers to The orientation or position relationship shown is based on orientation shown in the drawings or position relationship, is for only for ease of the description present invention and simplifies Description, rather than the device or element of instruction or hint meaning must have specific orientation, with specific azimuth configuration and behaviour Make, therefore be not considered as limiting the invention.Unless otherwise clearly defined and limited, term " installation ", " connected ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected;Can be Mechanically connect or electrically connect;Can be joined directly together, can also be indirectly connected by intermediary, can be two The connection of element internal.For the ordinary skill in the art, above-mentioned term can be understood at this as the case may be Concrete meaning in invention.
In the specification of the present invention, numerous specific details are set forth.Although it is understood that embodiments of the invention can To be put into practice in the case of these no details.In some instances, known method, structure and skill is not been shown in detail Art, so as not to obscure the understanding of this description.Similarly, it will be appreciated that disclose in order to simplify the present invention and helps to understand respectively One or more of individual inventive aspect, in the description to the exemplary embodiment of the present invention above, each spy of the invention Sign is grouped together into single embodiment, figure or descriptions thereof sometimes.However, should not be by the method solution of the disclosure Release and be intended in reflection is following:I.e. the present invention for required protection requirement is than the feature that is expressly recited in each claim more More features.More precisely, as the following claims reflect, inventive aspect is to be less than single reality disclosed above Apply all features of example.Therefore, it then follows thus claims of embodiment are expressly incorporated in the embodiment, Wherein each claim is in itself as separate embodiments of the invention.It should be noted that in the case where not conflicting, this The feature in embodiment and embodiment in application can be mutually combined.The invention is not limited in any single aspect, Any single embodiment is not limited to, is also not limited to any combination and/or the displacement of these aspects and/or embodiment.And And can be used alone the present invention each aspect and/or embodiment or with other one or more aspects and/or its implementation Example is used in combination.
Finally it should be noted that:Various embodiments above is merely illustrative of the technical solution of the present invention, rather than its limitations;To the greatest extent The present invention is described in detail with reference to foregoing embodiments for pipe, it will be understood by those within the art that:Its according to The technical scheme described in foregoing embodiments can so be modified, either which part or all technical characteristic are entered Row equivalent substitution;And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology The scope of scheme, it all should cover among the claim of the present invention and the scope of specification.

Claims (9)

  1. A kind of 1. business risk appraisal procedure, it is characterised in that including:
    Receive the search term of user's input;
    The Business Name or name matched with the search term is searched in the full dimension public information database of enterprise;
    Based on the full dimension public information database of the enterprise, risk information corresponding to the matching result is obtained;
    Critical field is extracted from the risk information, forms the assessment result information for risk warning.
  2. 2. according to the method for claim 1, it is characterised in that the risk information, include but is not limited to:Lawsuit, Equity pledge, chattel mortgage, owe taxes bulletin, administrative penalty, break the law on a serious scale, manage abnormal, information of breaking one's promise and be performed information.
  3. 3. according to the method for claim 1, it is characterised in that the matching result includes:Company or people;
    Correspondingly, it is described to be based on the full dimension public information database of the enterprise, obtain risk corresponding to the matching result and believe Breath, including:
    If matching result is company, the associated companies of the said firm are obtained, and in the full dimension public information database of the enterprise The risk information of the associated companies of company acquired in middle lookup and company's risk information in itself as matching result;
    If matching result is people, the associated companies of the people are obtained, and looked into the full dimension public information database of the enterprise Look for the risk information of the associated companies of acquired people.
  4. 4. according to the method for claim 3, it is characterised in that the associated companies of the company, including:The son of the said firm is public Department, parent company, rival firms, the company invested and upstream company and downstream company.
  5. 5. according to the method for claim 3, it is characterised in that the associated companies of the people, including:Invested as shareholder Company, serve as the company of legal person or senior executive.
  6. 6. according to the method any one of claim 1-5, it is characterised in that if any critical field extracted is in institute State and details link is corresponding with risk information, then also include the key in the assessment result information for being used for risk and warning formed Details link corresponding to field.
  7. A kind of 7. business risk apparatus for evaluating, it is characterised in that including:
    Receiving module, for receiving the search term of user's input;
    Matching module, for searched in the full dimension public information database of enterprise the Business Name that is matched with the search term or Person's name;
    Acquisition module, for based on the full dimension public information database of the enterprise, obtaining risk corresponding to the matching result Information;
    Extraction module, for extracting critical field from the risk information, form the assessment result information for risk warning.
  8. 8. a kind of electronic equipment, it is characterised in that including:Processor, memory, bus and storage on a memory and can located The computer program run on reason device;
    Wherein, the processor, memory complete mutual communication by the bus;
    The method as any one of claim 1-6 is realized described in the computing device during computer program.
  9. 9. a kind of non-transient computer readable storage medium storing program for executing, it is characterised in that on the non-transient computer readable storage medium storing program for executing Computer program is stored with, the side as any one of claim 1-6 is realized when the computer program is executed by processor Method.
CN201710701343.4A 2017-08-16 2017-08-16 A kind of business risk appraisal procedure and device Pending CN107563614A (en)

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