CN108629516A - Business risk appraisal procedure, device, equipment and readable storage medium storing program for executing - Google Patents
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Abstract
The present invention discloses a kind of business risk appraisal procedure, device, equipment and readable storage medium storing program for executing, the method includes：When getting the invoice that enterprise is issued, the invoice data in each invoice is read；Statistic of classification is carried out to each invoice data based on predetermined period, generated enterprise in the current period data model of current period and the upper cycle data model in a upper period；The current period data model and the upper cycle data model are subjected to default core index comparative analysis, determine the period change amount of each default core index, and according to the default correspondence of each period change amount and risk class, assess the risk class of enterprise.This programme generates current period and upper cycle data model according to enterprise's invoice data, because the high confidence level of invoice data makes generated data model accurately embody enterprise management condition；And the default core index period change amount of the two, then reflect the development trend of enterprise management condition, keeps business risk assessment more acurrate comprehensively.
Description
Technical field
The invention mainly relates to business risk assessment technology fields, specifically, be related to a kind of business risk appraisal procedure,
Device, equipment and readable storage medium storing program for executing.
Background technology
With the development of society, the mechanism for having the enterprise of Loan Demand and providing debt-credit to enterprise is more and more.Debt-credit
Mechanism needs to consider the safety of enterprise in borrowing process, assesses the risk of enterprise.It is commented at present to business risk
It is carried out according to the management state of enterprise when estimating, and the management state of enterprise then passes through financial statement, the data or net of enterprise's offer
Upper information judges the quality of management state to understand its management mode, government tax fillings, bank's flowing water, client circumstances etc..But
Financial statement is just in marketing enterprises, and the confidence level for the data or network information that enterprise provides needs to be investigated, and leads to enterprise
Risk assessment not comprehensively, it is inaccurate.
Invention content
The main object of the present invention is to provide a kind of business risk appraisal procedure, device, equipment and readable storage medium storing program for executing, purport
Solve to be used in the prior art business risk assessment data information is limited and reliability disadvantages, and lead to the risk of enterprise
The problem of assessment not comprehensively, inaccurate.
To achieve the above object, the present invention provides a kind of business risk appraisal procedure, the business risk appraisal procedure packet
Include following steps：
When getting the invoice that enterprise is issued, the invoice data in each invoice is read；
Statistic of classification, current period data of the generation enterprise in current period are carried out to each invoice data based on predetermined period
The upper cycle data model of model and a upper period；
The current period data model and the upper cycle data model are subjected to default core index comparative analysis,
It determines the period change amount of each default core index, and according to the default correspondence of each period change amount and risk class, comments
Estimate the risk class of enterprise.
Preferably, described that statistic of classification is carried out to each invoice data based on predetermined period, enterprise is generated in current period
The step of current period data model and the upper cycle data model in a upper period includes：
Classified to each invoice data based on predetermined period, and call preset data model framework, by all kinds of invoice numbers
According to being transferred in the corresponding data type of preset data model framework；
Each invoice data of predetermined period is counted using the statistical mechanism in preset data model framework, generates enterprise
Industry is in the current period data model of current period and the upper cycle data model in a upper period.
Preferably, described that statistic of classification is carried out to each invoice data based on predetermined period, enterprise is generated in current period
The step of current period data model and the upper cycle data model in a upper period includes：
Each commodity total sales volume, each sales volume of goods accounting in total sales volume in invoice data are counted based on predetermined period
Than accounting of each customer sales volume in total sales volume；
Determine the target marketing commodity that each sales volume of goods accounting in total sales volume is arranged in before default ranking, and each
Customer sales volume accounting in total sales volume is arranged in the target customer before default ranking, and the target customer is sold in determination
It sells and accounts for the most target customer's commodity of target customer's sales volume in commodity；
By each commodity total sales volume, target marketing commodity, target customer and the mesh of current period and a upper period
Consumer item is marked, generates the current period data model of enterprise and upper cycle data model respectively.
Preferably, described that statistic of classification is carried out to each invoice data based on predetermined period, enterprise is generated in current period
The step of current period data model and the upper cycle data model in a upper period includes：
Judge to preset and whether there is the upper cycle data model in storage unit, when there are institutes in default storage unit
When stating a cycle data model, statistic of classification is carried out to each invoice data of the current period, generates the current period
Data model, and the current period data model is stored in default storage unit；
When the upper cycle data model is not present in default storage unit, to the current period and described upper one
Each invoice data in period carries out statistic of classification, generates the current period data model and the upper cycle data model,
And in the memory unit by current period data model storage.
Preferably, include after the step of risk class of the assessment enterprise：
Judge whether the risk class of enterprise is higher than predetermined level, when the risk class of enterprise is higher than predetermined level, to
Predetermined system sends prompt message.
Preferably, described when getting the invoice that enterprise is issued, the step of reading the invoice data in each invoice it
Before include：
Judge whether the permission to be issued invoice with acquisition enterprise, when the permission to be issued invoice with acquisition enterprise
When, the first solicited message is sent to the third-party institution, to obtain the invoice that enterprise is issued；
When the permission to be issued invoice without acquisition enterprise, then the second solicited message is sent to enterprise, to obtain enterprise
The permission of the opened invoice of industry.
In addition, to achieve the above object, the present invention also proposes a kind of business risk apparatus for evaluating, the business risk assessment
Device includes：
Read module, for when getting the invoice that enterprise is issued, reading the invoice data in each invoice；
Generation module generates enterprise in current period for carrying out statistic of classification to each invoice data based on predetermined period
Current period data model and a upper period upper cycle data model；
Evaluation module, for the current period data model and the upper cycle data model to be carried out default core
Comparativeanalysis, determines the period change amount of each default core index, and according to the pre- of each period change amount and risk class
If correspondence, the risk class of enterprise is assessed.
Preferably, the generation module includes：
Taxon classifies to each invoice data for being based on predetermined period, and calls preset data model framework,
All kinds of invoice datas are transferred in the corresponding data type of preset data model framework；
Statistic unit, for being united to each invoice data in year using the statistical mechanism in preset data model framework
Meter generated enterprise in the current period data model of current period and the upper cycle data model in a upper period.
In addition, to achieve the above object, the present invention also proposes a kind of business risk assessment equipment, the business risk assessment
Equipment includes：Memory, processor, communication bus and the business risk appraisal procedure being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the business risk appraisal procedure, to realize following steps：
When getting the invoice that enterprise is issued, the invoice data in each invoice is read；
Statistic of classification, current period data of the generation enterprise in current period are carried out to each invoice data based on predetermined period
The upper cycle data model of model and a upper period；
The current period data model and the upper cycle data model are subjected to default core index comparative analysis,
It determines the period change amount of each default core index, and according to the default correspondence of each period change amount and risk class, comments
Estimate the risk class of enterprise.
In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing storage
There are one either more than one program the one or more programs to be held by one or more than one processor
Row for：
When getting the invoice that enterprise is issued, the invoice data in each invoice is read；
Statistic of classification, current period data of the generation enterprise in current period are carried out to each invoice data based on predetermined period
The upper cycle data model of model and a upper period；
The current period data model and the upper cycle data model are subjected to default core index comparative analysis,
It determines the period change amount of each default core index, and according to the default correspondence of each period change amount and risk class, comments
Estimate the risk class of enterprise.
The business risk appraisal procedure of the present embodiment issues the invoice data in each invoice, and base by reading enterprise
Each invoice data is divided in predetermined period to count, generates enterprise in the current period data model of current period and upper one
This current period data model and upper cycle data model are carried out default core index by the upper cycle data model in period
Comparative analysis, determines the period change amount of each default core index, and according to default pair of each period change amount and risk class
It should be related to, assess the risk class of enterprise.This programme generates current period and upper one according to the invoice data of enterprise's predetermined period
Cycle data model, because invoice data has the characteristics that with a high credibility, information is comprehensive, the data model to be generated can be accurate
Embody the management state in enterprise's each period；And each default core index of current period data model and upper cycle data model
Period change amount can then reflect the development trend of enterprise management condition, according to its default correspondence institute with risk class into
Capable business risk assessment is more acurrate comprehensively.
Description of the drawings
Fig. 1 is the flow diagram of the business risk appraisal procedure first embodiment of the present invention；
Fig. 2 is the flow diagram of the business risk appraisal procedure second embodiment of the present invention；
Fig. 3 is the flow diagram of the business risk appraisal procedure 3rd embodiment of the present invention；
Fig. 4 is the high-level schematic functional block diagram of the business risk apparatus for evaluating first embodiment of the present invention；
Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of business risk appraisal procedure.
Fig. 1 is please referred to, Fig. 1 is the flow diagram of business risk appraisal procedure first embodiment of the present invention.In this implementation
In example, the business risk appraisal procedure includes：
Step S10 reads the invoice data in each invoice when getting the invoice that enterprise is issued；
The business risk appraisal procedure of the present invention is applied to server, is suitable for the enterprise with Loan Demand into sector-style
Danger assessment.When enterprise asks for a loan application to lending institution, need to be determined its management state, to assess to this enterprise
The risk of debt-credit, i.e. risk before assessment debt-credit are provided；And after providing debt-credit to enterprise, it similarly needs to its management state
It is determined, to assess repayment risk of the enterprise to debt-credit, i.e. risk after assessment debt-credit, either before assessment debt-credit still
Risk after debt-credit is business risk assessment.In order to ensure the accuracy of business risk assessment, the present embodiment passes through institute of enterprise
The invoice data to issue invoice carries out risk assessment and reads the invoice in each invoice when getting the invoice that enterprise is issued
Data.The invoice issued can be that electronic invoice can also be paper invoice, if the invoice issued is paper invoice, first
It is converted into electronic document, then reads the invoice data in this electronic invoice or electronic document by way of image recognition.
Invoice data includes making out an invoice date, purchaser (i.e. client), seller, commodity, amount of money etc., according to required invoice when reading
Data setting keyword is then read out this keyword message when recognizing this keyword in invoice, the information of reading
As invoice data.Keyword is such as set as commodity and the amount of money, when recognizing this keyword in invoice data, then reads its letter
Commodity A and amount of money a is ceased, business risk assessment is carried out with the invoice data read according to this.
Step S20 carries out statistic of classification to each invoice data based on predetermined period, generates enterprise in the current of current period
The upper cycle data model of cycle data model and a upper period；
Further, it is determined by the management state of enterprise because of business risk, and the management state of enterprise is needed in a timing
Between embody in range, such as half a year or 1 year.To when carrying out business risk assessment according to invoice data, need to set default week
Phase, to carry out risk assessment according to invoice data possessed by invoice of the invoicing time in predetermined period, this predetermined period is
In conjunction with the management state development trend institute preset time cycle of each enterprise.Based on this predetermined period to each invoice of reading
Data carry out statistic of classification, such as set predetermined period as 1 year, then issue invoice the invoice number having to this Nian Nei enterprise
According to progress statistic of classification.It carries out, will be read by same keyword and data type also according to the keyword of setting when classification
Identical invoice data is divided into same class, includes such as B, C, D according to keyword " commodity " read invoice data, then by quotient
Product B, C, D are respectively divided into one kind, are counted to the quantity of this three kinds of commodity in each invoice data of predetermined period.For body
Existing enterprise is in the management state variation tendency of predetermined period, i.e., the management state of current period is relative to upper period management state
Variation, the present embodiment at least need in predetermined period current period and each invoice data in a upper period carry out classification system
Meter, and according to each invoice data of statistic of classification generate enterprise current period current period data model and a upper period it is upper
One cycle data model.Generate data model process its substantially using various types of invoice datas as enterprise's current period
Or the process of upper periodic characteristic label, such as using in invoice data client, commodity, the amount of money as enterprise characteristic label, characterization
Enterprise is in the current period or trade debtor in a upper period, institute's merchandising and consumption sum, with the class number generated by this
The management state of enterprise is embodied according to model.
The current period data model and the upper cycle data model are carried out default core index by step S30
Comparative analysis, determines the period change amount of each default core index, and according to default pair of each period change amount and risk class
It should be related to, assess the risk class of enterprise.
Further, after current period data model and next cycle data model, will work as in generating predetermined period
Preceding cycle data model and next cycle data model carry out the comparative analysis of default core index.Default core index is advance
Setting can characterize the index of enterprise management condition, such as total sales volume, portfolio, true by the comparative analysis for presetting core index
It is fixed relative to the management state preset core index in upper cycle data model and embodied, preset in current period data model
The management state period change amount that core index is embodied.If period change amount is the consumption sum in current period data model
Decline 50% relative to the consumption sum in upper cycle data model, and the client in current period data model is not also as above
Client stablizes in one cycle data model, then illustrates that the management state of current period enterprise was declined relative to a upper period,
The risk of enterprise increases.In order to assess the degree of risk of enterprise, it is provided with the pre- of each period change amount and risk class
If correspondence, each different period change amount corresponds to different risk class, such as data model in default correspondence
In include tetra- type data of M1, M2, M3 and M4, wherein M4 characterizes the total amount in predetermined period, and setting is when including M4
There are three types of categorical data change, and M4 variation reach 20%, then illustrate enterprise in this predetermined period management state variation compared with
Greatly.When M4 be increase 20%, then illustrate that the management state of enterprise improves；And then illustrate the operation of enterprise as M4 to decline 20%
Situation is deteriorated；Different risk class N1 and N2 are set according to the different situations for improving and being deteriorated.If to analyze by contrast
Identified period change amount is that there are three types of categorical datas to change in the current preset period for enterprise, and including M4, M4's
Variation, then according to the correspondence for presetting each period change amount and risk class in correspondence, determines enterprise to improve 20%
The risk class of industry is N2 grades.Because the risk class of assessment is referred to by presetting core in current period and the data model in a upper period
Target comparative analysis result determines, fully using current period and the management data in a upper period as foundation, improves risk class
The accuracy of assessment.
The business risk appraisal procedure of the present embodiment issues the invoice data in each invoice, and base by reading enterprise
Each invoice data is divided in predetermined period to count, generates enterprise in the current period data model of current period and upper one
This current period data model and upper cycle data model are carried out default core index by the upper cycle data model in period
Comparative analysis, determines the period change amount of each default core index, and according to default pair of each period change amount and risk class
It should be related to, assess the risk class of enterprise.This programme generates current period and upper one according to the invoice data of enterprise's predetermined period
Cycle data model, because invoice data has the characteristics that with a high credibility, information is comprehensive, the data model to be generated can be accurate
Embody the management state in enterprise's each period；And each default core index of current period data model and upper cycle data model
Period change amount can then reflect the development trend of enterprise management condition, according to its default correspondence institute with risk class into
Capable business risk assessment is more acurrate comprehensively.
Further, on the basis of business risk appraisal procedure first embodiment of the present invention, enterprise's wind of the present invention is proposed
Dangerous appraisal procedure second embodiment, it is in a second embodiment, described that statistic of classification is carried out to each invoice data based on predetermined period,
Generate enterprise included in the step of current period data model and the upper cycle data model in a upper period of current period：
Step S21 classifies to each invoice data based on predetermined period, and calls preset data model framework, will be each
Class invoice data is transferred in the corresponding data type of preset data model framework；
Understandably, need the enterprise for carrying out risk assessment by data model that there may be more families, if for every enterprise
Industry first reads its invoice data, and data model is regenerated further according to its respective invoice data, required workload compared with
Greatly.There are some common operations during in view of the invoice data generation data model to each enterprise, only operate
Targeted data differ, for the efficiency for reducing workload, improving generation data model, in advance to generating data model mistake
Co-operation in journey establishes data model frame, i.e. preset data model framework.It is good defined in preset data model framework
The storage location of various types invoice data sets the statistical mechanism to various data, using the invoice data of reading as statistics
Input quantity in mechanism, and before input quantity is transferred to statistical mechanism, the position of input quantity is replaced using variable.It is reading
To after the invoice data of each invoice of enterprise, classified to each invoice data based on predetermined period, and call preset data model
Frame.According to the storage location of the various types invoice data defined in preset data model framework, obtained to categorized
The position that all kinds of invoice datas are transferred to corresponding data type is stored.The storage location for such as defining client AA and commodity BB is
P1 and p2, when in sort operation, when recognizing client AA, then using client AA and its corresponding commodity and commodity amount as hair
Ticket data is transferred in p1；And when recognizing commodity BB, then by commodity BB and its corresponding client and each customer sales number
Amount is transferred to as invoice data in p2.By that will classify, obtained all kinds of invoice datas are transferred to preset data model framework
Corresponding data type in, can be convenient for subsequently for statistical analysis to invoice data is read in this corresponding data type, generate number
According to model.
Step S22 unites to each invoice data of predetermined period using the statistical mechanism in preset data model framework
Meter generated enterprise in the current period data model of current period and the upper cycle data model in a upper period.
Further, after the completion of being classified to each invoice data based on predetermined period, then according to preset data model framework
In statistical mechanism various types of invoice datas in predetermined period are counted.Wherein statistical mechanism is for various types
The different statistical demands of invoice data and pre-set statistical, are such as directed to client, required statistics is to this client
The type of merchandize sold and the quantity for selling all kinds of commodity；And for commodity, required statistics be this commodity institute
The sales volume of the client of sale and each client.All kinds of invoice datas are counted based on this different statistical mechanism, generates and uses
In the data model of reflection enterprise management condition, statistic of classification is carried out because each invoice data is based on predetermined period, in order to more preferable
The enterprise management condition to current period reflect that the data model generated includes the current period data of current period
The upper cycle data model of model and a upper period, in order to according to the otherness between the two data model, determine current
The enterprise management condition in period.
Further, on the basis of business risk appraisal procedure first or second embodiments of the present invention, the present invention is proposed
Business risk appraisal procedure 3rd embodiment, it is in the third embodiment, described that each invoice data is divided based on predetermined period
Class counts, and generates enterprise the current period data model and the upper cycle data model in a upper period of current period the step of
Including：
Step S23 counts each commodity total sales volume, each sales volume of goods in invoice data based on predetermined period and is sold always
Accounting in volume, accounting of each customer sales volume in total sales volume；
Understandably, for enterprise, management state is most directly presented as the total sales volume variation of enterprise, works as pin
Volume raising is sold, then can substantially illustrate that its management state is relatively stable；And when sales volume reduces, then its management state of general description
It is unstable.The type of merchandize sold in this external cause enterprise is numerous, and the trade debtor docked is also numerous, different merchandisings
The ratio of total sales volume shared by sales volume, and total sales volume shared by sales volume to each customer sales ratio, also embody enterprise
The management state of industry.When to account for the ratio always sold high for the staple sales volume that enterprise is sold, then illustrate pin required for enterprise
The commodity sold are consistent with the commodity of effective sale；And if it is marquee account to account for the high client of sales volume ratio in customer sales volume
When, then illustrate that client's stability that enterprise is docked is good, thus infers that the management state of enterprise is stablized.The present embodiment is by this three kinds
Index is as the foundation for judging enterprise management condition, when carrying out invoice data statistic of classification based on predetermined period, by invoice number
According to being divided into each sales volume of goods and each customer sales volume, then to being counted to obtain total sale of each commodity to each sales volume of goods
Volume, at the same count each sales volume of goods total sales volume accounting and each customer sales volume total sales volume accounting, with evidence
This generates the management state of the data model judgement enterprise of enterprise.
Step S24 determines the target marketing quotient that each sales volume of goods accounting in total sales volume is arranged in before default ranking
Product and each customer sales volume accounting in total sales volume are arranged in the target customer before default ranking, and determine to the mesh
The most target customer's commodity of target customer's sales volume are accounted in mark client institute merchandising；
Further, the type of merchandize sold by enterprise is numerous, and the trade debtor docked is also numerous, different commodity kinds
The sales volume of class differs, and the sales volume of different trade debtors also differs, for the seldom type of merchandize of sales volume or sale
Client, the influence to enterprise management condition is little, if as the factor of assessment business risk grade, increases number instead
According to the burden of processing.This implementation ranks accounting of each sales volume of goods in total sales volume of goods, and it is pre- to set commodity
If ranking, the commodity that accounting is arranged in before default ranking are determined as target marketing commodity.It is ten such as to set the default ranking of commodity,
Then using sales volume of goods, accounting is arranged in the commodity of top ten as target marketing commodity in total sales volume.Likewise, by each
Accounting of the customer sales volume in total sales volume is ranked, and sets the default ranking of client, and accounting is arranged in default ranking
Preceding client is determined as target customer.The wherein default ranking of client and the default ranking of commodity can be the same or different, such as
It is ten.After determining target customer, the commodity sold to target customer may be a variety of, need to further determine that this target visitor
Family, which is sold, accounts for the most commodity of target customer's sales volume in a variety of commodity, this, which is accounted for the most commodity of target customer's sales volume, makees
For target customer's commodity.If the commodity sold to target customer cc include k1, k2, k3, wherein k1, k2, k3 accounts for target respectively
32%, 43% and the 5% of customer sales volume passes through target customer's commodity and target so that it is determined that k2 is target customer's commodity
The correspondence of merchandising determines the management state of enterprise.
Step S25, by each commodity total sales volume in current period and a upper period, target marketing commodity, target visitor
Family and target customer's commodity generate the current period data model of enterprise and upper cycle data model respectively.
After determining each commodity total sales volume, target marketing commodity, target customer and the target customer's commodity of enterprise,
This four kinds of data of current period were generated to the current period data model of enterprise, and this four kinds of data in a upper period are generated
The upper cycle data model of enterprise.In order to by current period and each commodity total sales volume in a upper period, target marketing quotient
Product, target customer and target customer's commodity compare, and determine the management state of enterprise.Pair of wherein each commodity total sales volume
Than characterizing relative to a upper period, the sales volume situation of change of institute of current period enterprise merchandising；Target marketing commodity characterize
The situation of change for the target marketing commodity that current period enterprise mainly sells judges this target pin in conjunction with market popularity trend
Sell the sustainable degree of commodity；Target customer characterizes the situation of change of the target customer of the docked service of current period enterprise, when
Target customer is the client with powerful fund, then illustrates that the target customer of enterprise's docking service stablizes；Target customer's commodity list
The required commodity of target customer for levying the docked service of current period enterprise, when its required target customer's commodity and enterprise
When the target marketing commodity mainly sold largely match, such as when target customer's commodity and target marketing commodity reach 80% or
When identical as above, it is determined that the two largely matches, and illustrates that the commodity that enterprise is provided are that its major customer is required
The market of commodity, main merchandising is stablized.According to the comparative situation of this parameters, the management state of enterprise is determined, from
And its risk class is assessed, the assessment of risk class can be made more acurrate.
Further, in another embodiment of business risk appraisal procedure of the present invention, the predetermined period that is based on is to each hair
Ticket data carries out statistic of classification, generates enterprise in the current period data model of current period and a upper periodicity in a upper period
Include according to the step of model：
Step S26 judges to preset with the presence or absence of the upper cycle data model in storage unit, when default storage unit
In there are when the upper cycle data model, statistic of classification carried out to each invoice data of the current period, described in generation
Current period data model, and the current period data model is stored in default storage unit；
Understandably, each predetermined period of possible enterprise can carry out risk class assessment, and make each period that can give birth to
At data model, to which when generating the data model of current period, the data model in a period carried out in a upper period thereon
Risk class has generated when assessing, and current period is not necessarily to regenerate the data model in a upper period.Judge default storage
It whether there is upper cycle data model in unit, wherein default storage unit is generated data mould to pre-set to be used to store
The unit of type.When judging to preset in storage unit, there are when upper cycle data model, then illustrated a upper period to enterprise
Risk class assessment is carried out, and generates data model.To which current period need not regenerate a cycle data model, only need
Statistic of classification is carried out to each invoice data of current period, the current period data model of enterprise be generated, by this current data
The data model that model and a upper period are generated is compared, and determines the management state of enterprise.Additionally work as what is generated
In the storage to default storage unit of preceding cycle data model, so as to when carrying out risk class assessment in next period, directly from pre-
If upper cycle data model of this current period data model as next period is obtained in storage unit, with next period
Data model compares and analyzes, and avoids the data model for generating a period thereon again.
Step S27, when the upper cycle data model is not present in default storage unit, to the current period with
Each invoice data in a upper period carries out statistic of classification, generates the current period data model and a upper periodicity
According to model, and in the memory unit by current period data model storage.
And when judging that upper cycle data model is not present in default storage unit, then illustrated no pair of a upper period
Enterprise carries out risk class assessment.To which current period needs to generate upper cycle data model, need to current period and upper
Each invoice data in one period carries out statistic of classification, generates the current period data model of enterprise current period and a upper period
Upper cycle data model, this current data model and upper cycle data model are compared, and determine the operation of enterprise
Situation.Also the current period data model generated is stored into default storage unit simultaneously, to be carried out in next period
When risk class is assessed, upper one week of this current period data model as next period is directly obtained from default storage unit
Phase data model is compared and analyzed with the data model in next period, avoids the data model for generating a period thereon again.
Further, Fig. 2 is please referred to, in another embodiment of business risk appraisal procedure of the present invention, the assessment enterprise
Risk class the step of after include：
Step S40, judges whether the risk class of enterprise is higher than predetermined level, when the risk class of enterprise is higher than default etc.
When grade, prompt message is sent to predetermined system.
In order to judge that the height of business risk grade, this implementation are previously provided with predetermined level, in evaluated determining enterprise
Risk class after, the risk class of enterprise and predetermined level are compared, the magnitude relationship both judged.When enterprise
When risk class is higher than predetermined level, then illustrate that the risk class of enterprise is higher, it is understood that there may be higher debt-credit risk, thus to
Predetermined system sends prompt message and avoids borrowing to remind predetermined system to pay close attention to the enterprise with this risk class
Borrow risk.Risk assessment is carried out to this enterprise again within the period less than predetermined period simultaneously, judges it in this period
The variation of interior management state determines the variation of its risk class.If its risk class is further got higher, illustrate its debt-credit
Risk further increases, then sends alarm prompt to predetermined system；And when its risk class is lower, then illustrate that its borrows or lends money risk drop
It is low, cancel it to the prompt message transmitted by predetermined system.The different evaluation mechanisms that enterprise is determined according to risk class, are conducive to
Equilibrium of Interests between enterprise and lending institution.
Further, Fig. 3 is please referred to, it is described to get in another embodiment of business risk appraisal procedure of the present invention
When the invoice that enterprise is issued, include before the step of reading the invoice data in each invoice：
Step S50 judges whether the permission to be issued invoice with acquisition enterprise, is issued invoice when with acquisition enterprise
Permission when, to the third-party institution send the first solicited message, to obtain the invoice that enterprise is issued；
Understandably, the invoice that enterprise is issued in business process is outputed by the special third-party institution, as space flight is believed
Cease platform of making out an invoice.Under normal conditions, the invoice that each enterprise is issued is not opened to the outside world, i.e., in the case where not obtaining enterprise and allowing, no
With the permission for obtaining its invoice.To which the present embodiment according to the invoice data of reading before generating data model, need to sentence
The disconnected permission whether there is acquisition enterprise to be issued invoice, this judges that operation can be carried out by identifier, as has to obtain and look forward to
Enterprise's allocation identification symbol of the issued invoice permission of industry.For needing the enterprise of progress risk assessment, judge whether that there is acquisition
Its permission to be issued invoice, that is, judge whether the enterprise carries identifier.When the enterprise carries identifier, that is, has and obtain
When the permission for taking it to be issued invoice, then the first solicited message is sent to the third-party institution, wherein being carried in the first solicited message
There is characterization that there is the proof information for obtaining the issued invoice permission of enterprise, to be issued to this acquisition request enterprise of third-party institution
Invoice, realize according in invoice invoice data generate data model, the risk class of enterprise is assessed.
Step S60 then sends the second solicited message when the permission to be issued invoice without acquisition enterprise to enterprise,
To obtain the permission of the opened invoice of enterprise.
When judging that the enterprise do not carry identifier, that is, do not have when obtaining permission that it is issued invoice, then to enterprise
Industry sends the second solicited message, to obtain its invoice permission issued to corporation requests.Enterprise is according to its own demand pair
Two solicited messages are fed back, and when enterprise agrees to that the invoice issued to it obtains, are then fed back to the second solicited message
Approval information sends the first information, to obtain enterprise to obtain the permission for obtaining enterprise and being issued invoice to the third-party institution
The invoice issued is realized and generates data model according to the invoice data in invoice, assesses the risk class of enterprise.
In addition, please referring to Fig. 4, the present invention provides a kind of business risk apparatus for evaluating, assesses and fills in business risk of the present invention
It sets in first embodiment, the business risk apparatus for evaluating includes：
Read module 10, for when getting the invoice that enterprise is issued, reading the invoice data in each invoice；
Generation module 20 generates enterprise in current week for carrying out statistic of classification to each invoice data based on predetermined period
The upper cycle data model of the current period data model of phase and a upper period；
Evaluation module 30, for the current period data model and the upper cycle data model to be carried out default core
Heart comparativeanalysis, determines the period change amount of each default core index, and according to each period change amount and risk class
Default correspondence, assesses the risk class of enterprise.
The business risk apparatus for evaluating of the present embodiment reads enterprise by read module 10 and issues the invoice in each invoice
Data, and each invoice data is divided to count based on predetermined period, generation module 20 generates enterprise's working as in current period
The upper cycle data model of preceding cycle data model and a upper period, evaluation module 30 is by this current period data model and upper
One cycle data model carries out default core index comparative analysis, determines the period change amount of each default core index, and according to
The default correspondence of each period change amount and risk class, assesses the risk class of enterprise.This programme is according to enterprise's default week
The invoice data of phase generates current period and upper cycle data model, and because invoice data has, with a high credibility, information is comprehensive
Feature, the data model to be generated can accurately embody the management state in enterprise's each period；And current period data model and
Each default core index period change amount of upper cycle data model, then can reflect the development trend of enterprise management condition, root
The business risk assessment carried out according to the default correspondence of itself and risk class is more acurrate comprehensively.
Further, in another embodiment of business risk apparatus for evaluating of the present invention, the generation module 20 includes：
Taxon 21 classifies to each invoice data for being based on predetermined period, and calls preset data model frame
All kinds of invoice datas are transferred in the corresponding data type of preset data model framework by frame；
Statistic unit 22, for being carried out to each invoice data in year using the statistical mechanism in preset data model framework
Statistics generated enterprise in the current period data model of current period and the upper cycle data model in a upper period.
Wherein, each virtual functions module of above-mentioned business risk apparatus for evaluating is stored in the assessment of business risk shown in Fig. 5 and sets
In standby memory 1005, when processor 1001 executes business risk appraisal procedure, modules in embodiment illustrated in fig. 4 are realized
Function.
With reference to Fig. 5, Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
Business risk of embodiment of the present invention assessment equipment can be PC (personal computer, personal computer),
Can be the terminal devices such as smart mobile phone, tablet computer, E-book reader, pocket computer.
As shown in figure 5, the business risk assessment equipment may include：Processor 1001, such as CPU (Central
Processing Unit, central processing unit), memory 1005, communication bus 1002.Wherein, communication bus 1002 for realizing
Connection communication between processor 1001 and memory 1005.Memory 1005 can be high-speed RAM (random access
Memory, random access memory), can also be stable memory (non-volatile memory), such as disk storage
Device.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, which can also include user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi (Wireless Fidelity, WiMAX) module etc..
User interface may include display screen (Display), input unit such as keyboard (Keyboard), and optional user interface can be with
Including standard wireline interface and wireless interface.Network interface may include optionally standard wireline interface and wireless interface (such as
WI-FI interfaces).
It will be understood by those skilled in the art that business risk assessment equipment structure shown in Fig. 5 is not constituted to enterprise
The restriction of risk assessment equipment may include either combining certain components or different than illustrating more or fewer components
Component is arranged.
As shown in figure 5, as may include that operating system, network are logical in a kind of memory 1005 of computer storage media
Believe module and business risk appraisal procedure.Operating system is management and control business risk assessment equipment hardware and software resource
Program, support the operation of business risk appraisal procedure and other softwares and/or program.Network communication module is for realizing depositing
Communication between each component in the inside of reservoir 1005, and with communicated between other hardware and softwares in business risk assessment equipment.
In business risk assessment equipment shown in Fig. 5, processor 1001 is for executing the enterprise stored in memory 1005
Industry risk assessment procedures realize the step in above-mentioned each embodiment of business risk appraisal procedure.
The present invention provides a kind of readable storage medium storing program for executing, there are one the readable storage medium storing program for executing storages or more than one journey
Sequence, the one or more programs can also be executed for realizing above-mentioned enterprise by one or more than one processor
Step in each embodiment of industry methods of risk assessment.
It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements include not only those elements,
But also include other elements that are not explicitly listed, or further include solid by this process, method, article or device
Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including
There is also other identical elements in the process of the element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The foregoing is merely the preferred embodiment of the present invention, are not intended to limit the scope of the invention, every at this
Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly
His relevant technical field is included in the scope of patent protection of the present invention.
Claims (10)
1. a kind of business risk appraisal procedure, which is characterized in that the business risk appraisal procedure includes the following steps：
When getting the invoice that enterprise is issued, the invoice data in each invoice is read；
Statistic of classification, current period data model of the generation enterprise in current period are carried out to each invoice data based on predetermined period
With the upper cycle data model in a upper period；
The current period data model and the upper cycle data model are subjected to default core index comparative analysis, determined
The period change amount of each default core index, and according to the default correspondence of each period change amount and risk class, assessment enterprise
The risk class of industry.
2. business risk appraisal procedure as described in claim 1, which is characterized in that the predetermined period that is based on is to each invoice number
According to statistic of classification is carried out, enterprise was generated in the current period data model of current period and the upper cycle data mould in a upper period
The step of type includes：
Classified to each invoice data based on predetermined period, and call preset data model framework, all kinds of invoice datas are passed
In the defeated corresponding data type to preset data model framework；
Each invoice data of predetermined period is counted using the statistical mechanism in preset data model framework, enterprise is generated and exists
The upper cycle data model of the current period data model of current period and a upper period.
3. business risk appraisal procedure as described in claim 1, which is characterized in that the predetermined period that is based on is to each invoice number
According to statistic of classification is carried out, enterprise was generated in the current period data model of current period and the upper cycle data mould in a upper period
The step of type includes：
Each commodity total sales volume, accounting of each sales volume of goods in total sales volume in invoice data are counted based on predetermined period,
Accounting of each customer sales volume in total sales volume；
Determine the target marketing commodity before each sales volume of goods accounting in total sales volume is arranged in default ranking and each client
Sales volume accounting in total sales volume is arranged in the target customer before default ranking, and determines to the target customer institute retailer
The most target customer's commodity of target customer's sales volume are accounted in product；
By each commodity total sales volume in current period and a upper period, target marketing commodity, target customer and target visitor
Family commodity generate the current period data model of enterprise and upper cycle data model respectively.
4. business risk appraisal procedure as described in claim 1, which is characterized in that the predetermined period that is based on is to each invoice number
According to statistic of classification is carried out, enterprise was generated in the current period data model of current period and the upper cycle data mould in a upper period
The step of type includes：
Judge to preset and whether there is the upper cycle data model in storage unit, there are on described when presetting in storage unit
When one cycle data model, statistic of classification is carried out to each invoice data of the current period, generates the current period data
Model, and the current period data model is stored in default storage unit；
When the upper cycle data model is not present in default storage unit, to the current period and a upper period
Each invoice data carry out statistic of classification, generate the current period data model and the upper cycle data model, and general
The current period data model storage is in the memory unit.
5. business risk appraisal procedure according to any one of claims 1-4, which is characterized in that the risk of the assessment enterprise
Include after the step of grade：
Judge whether the risk class of enterprise is higher than predetermined level, when the risk class of enterprise is higher than predetermined level, to default
System sends prompt message.
6. business risk appraisal procedure according to any one of claims 1-4, which is characterized in that described to get institute of enterprise
When the invoice issued, include before the step of reading the invoice data in each invoice：
Judge whether the permission to be issued invoice with acquisition enterprise, when the permission to be issued invoice with acquisition enterprise, to
The third-party institution sends the first solicited message, to obtain the invoice that enterprise is issued；
When the permission to be issued invoice without acquisition enterprise, then the second solicited message is sent to enterprise, to obtain institute of enterprise
Open the permission of invoice.
7. a kind of business risk apparatus for evaluating, which is characterized in that the business risk apparatus for evaluating includes：
Read module, for when getting the invoice that enterprise is issued, reading the invoice data in each invoice；
Generation module generates enterprise's working as in current period for carrying out statistic of classification to each invoice data based on predetermined period
The upper cycle data model of preceding cycle data model and a upper period；
Evaluation module, for the current period data model and the upper cycle data model to be carried out default core index
Comparative analysis, determines the period change amount of each default core index, and according to default pair of each period change amount and risk class
It should be related to, assess the risk class of enterprise.
8. business risk apparatus for evaluating as claimed in claim 7, which is characterized in that the generation module includes：
Taxon classifies to each invoice data for being based on predetermined period, and calls preset data model framework, will be each
Class invoice data is transferred in the corresponding data type of preset data model framework；
Statistic unit, for being counted to each invoice data in year using the statistical mechanism in preset data model framework,
Enterprise was generated in the current period data model of current period and the upper cycle data model in a upper period.
9. a kind of business risk assessment equipment, which is characterized in that the business risk assessment equipment includes：Memory, processor,
Communication bus and the business risk appraisal procedure being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the business risk appraisal procedure, to realize as described in any one of claim 1-6
The step of business risk appraisal procedure.
10. a kind of readable storage medium storing program for executing, which is characterized in that the computer class is read to be stored with business risk assessment on storage medium
Program realizes enterprise's wind as described in any one of claim 1-6 when the business risk appraisal procedure is executed by processor
The step of dangerous appraisal procedure.
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| CN109636036A (en) * | 2018-12-12 | 2019-04-16 | 税友软件集团股份有限公司 | A kind of method, system and the equipment of the prediction of enterprise's invoiced amount |
| CN109726921A (en) * | 2018-12-29 | 2019-05-07 | 航天信息股份有限公司 | Obtain method, apparatus, medium and the equipment of producer price index |
| CN109814958A (en) * | 2018-11-30 | 2019-05-28 | 平安科技（深圳）有限公司 | Management state display methods, device, computer installation and storage medium |
| CN110135687A (en) * | 2019-04-12 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Business risk assesses method for early warning, device and computer readable storage medium |
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| CN113393312A (en) * | 2021-06-21 | 2021-09-14 | 深圳微众信用科技股份有限公司 | Invoice data statistical method and related equipment thereof |
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| CN109814958A (en) * | 2018-11-30 | 2019-05-28 | 平安科技（深圳）有限公司 | Management state display methods, device, computer installation and storage medium |
| CN109636036A (en) * | 2018-12-12 | 2019-04-16 | 税友软件集团股份有限公司 | A kind of method, system and the equipment of the prediction of enterprise's invoiced amount |
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| CN110458633A (en) * | 2019-08-20 | 2019-11-15 | 东莞市盟大塑化科技有限公司 | Invoice data generation method, system and computer equipment based on block chain technology |
| CN110458633B (en) * | 2019-08-20 | 2022-04-01 | 东莞盟大集团有限公司 | Invoice data generation method and system based on block chain technology and computer equipment |
| CN110661866A (en) * | 2019-09-24 | 2020-01-07 | 腾讯科技（深圳）有限公司 | Bill processing method and equipment |
| CN110661866B (en) * | 2019-09-24 | 2022-05-10 | 腾讯科技（深圳）有限公司 | Bill processing method and equipment |
| CN111062793A (en) * | 2019-12-20 | 2020-04-24 | 百望股份有限公司 | Financial risk monitoring method, device and storage medium |
| CN113393312A (en) * | 2021-06-21 | 2021-09-14 | 深圳微众信用科技股份有限公司 | Invoice data statistical method and related equipment thereof |
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Application publication date: 20181009 |