CN109063982A - Grading method and system for calculating enterprise credit score - Google Patents
Grading method and system for calculating enterprise credit score Download PDFInfo
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- CN109063982A CN109063982A CN201810783183.7A CN201810783183A CN109063982A CN 109063982 A CN109063982 A CN 109063982A CN 201810783183 A CN201810783183 A CN 201810783183A CN 109063982 A CN109063982 A CN 109063982A
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- 238000000034 method Methods 0.000 title claims description 19
- 238000012423 maintenance Methods 0.000 claims description 5
- 238000004364 calculation method Methods 0.000 abstract description 2
- 238000011156 evaluation Methods 0.000 abstract 1
- 238000013077 scoring method Methods 0.000 abstract 1
- 230000006870 function Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 1
- 230000004069 differentiation Effects 0.000 description 1
- 238000001914 filtration Methods 0.000 description 1
- 238000013139 quantization Methods 0.000 description 1
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
- G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a scoring method and a scoring system for calculating enterprise credit scores, and relates to the technical field of evaluation calculation; the credit scoring model management module is used for establishing a credit scoring model and maintaining and managing basic information of the credit scoring model, the credit scoring model execution module is used for performing the function of the credit scoring model, the database stores data, wherein the credit scoring model management module establishes an enterprise credit scoring model, sets an enterprise range corresponding to the enterprise credit scoring model through dynamic sql configuration, selecting a proper business data information table from the database as an assessment index according to the set enterprise scope, relevant rules are set for the assessment indexes, the credit scoring model operation module assesses enterprises in the enterprise range, quantitatively scoring the assessment data, obtaining the total assessment score of the enterprise according to the quantitative scoring of all the assessment indexes, and (4) calculating the grade of the enterprise according to the assessment total score setting grade rule of the enterprise to obtain the final credit score result of the enterprise.
Description
Technical field
The present invention discloses a kind of methods of marking and system for calculating business standing score, is related to evaluating and testing computing technique field.
Background technique
Credit scoring refers to the credit history data according to client, using certain credit scoring model, according to model
Index and rule obtain different grades of credit score.But there are some problems, Credit Models to refer to for existing credit scoring model
Target setting lacks corresponding law, policy support, and target setting has biggish subjectivity, lacks official's authority, enterprise's letter
Score process, which is calculated, with score is related to that data volume is larger, and efficiency is not also high.The present invention, which provides, a kind of calculates business standing score
Methods of marking and system establish the Rating Model of business standing score, according to the index and rule of model, obtain different grades of
Credit score calculates credit rating of enterprise by credit scoring model, takes area to different enterprises according to credit rating of enterprise
Differentiation is treated, and for prestige, enterprise in order provides convenience, is punished prestige Bu Jia enterprise, is realized enterprise by policy
Attention to itself prestige promotes enterprise to develop towards the direction for practicing of keeping one's word, and pushes the foundation of credit office's meeting.
Summary of the invention
The present invention in view of the shortcomings of the prior art and problem, provides a kind of methods of marking for calculating business standing score
And system, the concrete scheme of proposition is:
A kind of methods of marking calculating business standing score:
Business standing Rating Model is established, is configured by dynamic sql and sets the corresponding enterprise-wide of business standing Rating Model,
It selects suitable service data information table as performance assessment criteria from database according to the enterprise-wide of setting, performance assessment criteria is set
Relevant rule is set,
Enterprise in the enterprise-wide is examined, Quantitative marking is carried out to examination data, according to the amount of all performance assessment criteria
Change scoring, obtain the examination total score of enterprise, hierarchy rules are arranged according to the examination total score of enterprise and calculate grade locating for enterprise, are obtained
To final business standing fractional result.
Unify in social credibility associated codes database to look forward to using the enterprise in enterprise's Basic Information Table in the method
The service data information table of industry.
Enterprise-wide in the method according to setting selected from database suitable service data information table as
Performance assessment criteria different performance assessment criteria is arranged different code of points, so that credit scoring model operation module is to enterprise's model
Enterprise in enclosing is examined, and carries out Quantitative marking to examination data.
A kind of points-scoring system calculating business standing score:
Including credit scoring model management module, credit scoring model operation module, database,
Credit scoring model management module is used to establish the essential information of credit scoring model and maintenance management credit scoring model,
Credit scoring model execution module is used to exercise the function of credit scoring model,
Database for storing data,
Wherein credit scoring model management module establishes business standing Rating Model, is configured by dynamic sql and sets enterprise letter
With the corresponding enterprise-wide of Rating Model, suitable service data information table is selected from database according to the enterprise-wide of setting
As performance assessment criteria, relevant rule is arranged to performance assessment criteria, credit scoring model runs module to the enterprise in the enterprise-wide
Industry is examined, and carries out Quantitative marking to examination data, according to the Quantitative marking of all performance assessment criteria, the examination for obtaining enterprise is total
Point, hierarchy rules are arranged according to the examination total score of enterprise and calculate grade locating for enterprise, obtain final business standing fractional result.
Enterprise's Basic Information Table and service data information table are stored in the system in database, is believed substantially using enterprise
Enterprise in breath table unifies the service data information table of enterprise in social credibility associated codes database.
Credit scoring model management module is selected from database properly according to the enterprise-wide of setting in the system
Service data information table as performance assessment criteria, different performance assessment criteria are arranged with different code of points, so as to credit scoring mould
Type operation module examines the enterprise in the enterprise-wide, carries out Quantitative marking to examination data.
Usefulness of the present invention is:
The present invention provides a kind of points-scoring system and method for calculating business standing score, and configuration is arranged with dynamic sql and sets the enterprise
The corresponding enterprise-wide of industry credit scoring model, for filtering selected scope of subject；Credit scoring model, performance assessment criteria separating pipe
Reason, the performance assessment criteria that different credit scoring models may be implemented can be shared, and credit scoring model operation is only according to performance assessment criteria
Vertical operation, the performance assessment criteria can individually be run again by such as encountering the operation failure of some performance assessment criteria, avoid reruning it
His successful performance assessment criteria, improves work efficiency, and calculate credit rating of enterprise, root by credit scoring model
Differentiationization is taken to treat different enterprises according to credit rating of enterprise, enterprise in order provides convenience for prestige, not to prestige
Good enterprise is punished, realizes attention of the enterprise to itself prestige by policy, enterprise is promoted to send out towards the direction for practicing of keeping one's word
Exhibition pushes the foundation of credit office's meeting.
Detailed description of the invention
Fig. 1 work flow diagram of the present invention.
Specific embodiment
The present invention provides a kind of methods of marking for calculating business standing score:
Business standing Rating Model is established, is configured by dynamic sql and sets the corresponding enterprise-wide of business standing Rating Model,
It selects suitable service data information table as performance assessment criteria from database according to the enterprise-wide of setting, performance assessment criteria is set
Relevant rule is set,
Enterprise in the enterprise-wide is examined, Quantitative marking is carried out to examination data, according to the amount of all performance assessment criteria
Change scoring, obtain the examination total score of enterprise, hierarchy rules are arranged according to the examination total score of enterprise and calculate grade locating for enterprise, are obtained
To final business standing fractional result.
Unify in social credibility associated codes database to look forward to using the enterprise in enterprise's Basic Information Table in the method
The service data information table of industry.
A kind of points-scoring system of the calculating business standing score corresponded to the above method is provided simultaneously:
Including credit scoring model management module, credit scoring model operation module, database,
Credit scoring model management module is used to establish the essential information of credit scoring model and maintenance management credit scoring model,
Credit scoring model execution module is used to exercise the function of credit scoring model,
Database for storing data,
Wherein credit scoring model management module establishes business standing Rating Model, is configured by dynamic sql and sets enterprise letter
With the corresponding enterprise-wide of Rating Model, suitable service data information table is selected from database according to the enterprise-wide of setting
As performance assessment criteria, relevant rule is arranged to performance assessment criteria, credit scoring model runs module to the enterprise in the enterprise-wide
Industry is examined, and carries out Quantitative marking to examination data, according to the Quantitative marking of all performance assessment criteria, the examination for obtaining enterprise is total
Point, hierarchy rules are arranged according to the examination total score of enterprise and calculate grade locating for enterprise, obtain final business standing fractional result.
Contents of the present invention combination attached drawing is further described.
Utilize present system and method: credit scoring model management module establishes business standing Rating Model, wherein believing
With the essential information of Rating Model management module maintenance and management credit scoring model, is configured by dynamic sql and set the enterprise
The corresponding enterprise-wide of credit scoring model carries out the division of grade to credit scoring model, to distinguish the excellent of different enterprises
It is bad, select suitable service data information table as performance assessment criteria from database according to the enterprise-wide of setting, different examines
Core index is equivalent to a dimension to business standing situation analysis, and database can be stored in after maintenance, makes to subsequent calculating
With rule relevant to performance assessment criteria setting unifies social credibility associated codes number using the enterprise in enterprise's Basic Information Table
According to the service data information table of Ku Zhong enterprise, it is equivalent to and is referred to using the examination that enterprise unifies social credibility associated codes enterprise
Different code of points can be arranged in different performance assessment criteria by mark,
So that credit scoring model operation module examines the enterprise in the enterprise-wide, quantization is carried out to examination data and is commented
Point, according to the Quantitative marking of all performance assessment criteria, the examination total score of enterprise is obtained, wherein the Quantitative marking of performance assessment criteria can have
There is weight field, weight field can dynamically be adjusted by such as encountering the inappropriate situation of performance assessment criteria score, make performance assessment criteria score
More rationally, and according to the examination total score of enterprise hierarchy rules, which are arranged, calculates grade locating for enterprise, obtains final business standing
Fractional result.
Enterprise's Basic Information Table and service data information table are stored in the above process in database, can be read by JAVA
Enterprise's Basic Information Table is formed in data acquisition system deposit Installed System Memory in database, according to the unified society's letter of enterprise in data acquisition system
Other in linked database are gone to be arranged to the associated traffic data information table of enterprise's performance assessment criteria with code, according to different examinations
The different code of points of setup measures calculates in all index marking situation deposit databases of the enterprise, summarizes all examinations
Index score obtains the total score deposit database of the enterprise, is deposited according to the grade that the grading system rule of setting calculates the enterprise
Enter in database.
Claims (6)
1. a kind of methods of marking for calculating business standing score, it is characterised in that
Business standing Rating Model is established, is configured by dynamic sql and sets the corresponding enterprise-wide of business standing Rating Model,
It selects suitable service data information table as performance assessment criteria from database according to the enterprise-wide of setting, performance assessment criteria is set
Relevant rule is set,
Enterprise in the enterprise-wide is examined, Quantitative marking is carried out to examination data, according to the amount of all performance assessment criteria
Change scoring, obtain the examination total score of enterprise, hierarchy rules are arranged according to the examination total score of enterprise and calculate grade locating for enterprise, are obtained
To final business standing fractional result.
2. according to the method described in claim 1, it is characterized in that utilizing the unified society's letter of enterprise in enterprise's Basic Information Table
With the service data information table of enterprise in associated codes database.
3. method according to claim 1 or 2, it is characterised in that selected to close from database according to the enterprise-wide of setting
Suitable service data information table different performance assessment criteria is arranged different code of points, as performance assessment criteria so as to credit scoring
Model running module examines the enterprise in the enterprise-wide, carries out Quantitative marking to examination data.
4. a kind of points-scoring system for calculating business standing score, it is characterised in that
Including credit scoring model management module, credit scoring model operation module, database,
Credit scoring model management module is used to establish the essential information of credit scoring model and maintenance management credit scoring model,
Credit scoring model execution module is used to exercise the function of credit scoring model,
Database for storing data,
Wherein credit scoring model management module establishes business standing Rating Model, is configured by dynamic sql and sets enterprise letter
With the corresponding enterprise-wide of Rating Model, suitable service data information table is selected from database according to the enterprise-wide of setting
As performance assessment criteria, relevant rule is arranged to performance assessment criteria, credit scoring model runs module to the enterprise in the enterprise-wide
Industry is examined, and carries out Quantitative marking to examination data, according to the Quantitative marking of all performance assessment criteria, the examination for obtaining enterprise is total
Point, hierarchy rules are arranged according to the examination total score of enterprise and calculate grade locating for enterprise, obtain final business standing fractional result.
5. system according to claim 4, it is characterised in that store enterprise's Basic Information Table and business datum in database
Information table is believed using the business datum that the enterprise in enterprise's Basic Information Table unifies enterprise in social credibility associated codes database
Cease table.
6. system according to claim 4 or 5, it is characterised in that credit scoring model management module is according to the enterprise of setting
Range selects suitable service data information table as performance assessment criteria from database, and different comment is arranged to different performance assessment criteria
Divider then, is examined the enterprise in the enterprise-wide so that credit scoring model runs module, to the examination data amount of progress
Change scoring.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810783183.7A CN109063982A (en) | 2018-07-17 | 2018-07-17 | Grading method and system for calculating enterprise credit score |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810783183.7A CN109063982A (en) | 2018-07-17 | 2018-07-17 | Grading method and system for calculating enterprise credit score |
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| Publication Number | Publication Date |
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| CN109063982A true CN109063982A (en) | 2018-12-21 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810783183.7A Pending CN109063982A (en) | 2018-07-17 | 2018-07-17 | Grading method and system for calculating enterprise credit score |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109767195A (en) * | 2019-01-22 | 2019-05-17 | 浪潮软件集团有限公司 | A kind of enterprise information management system and method |
| CN113743734A (en) * | 2021-08-10 | 2021-12-03 | 南京星云数字技术有限公司 | Credit score processing method and device and electronic equipment |
-
2018
- 2018-07-17 CN CN201810783183.7A patent/CN109063982A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109767195A (en) * | 2019-01-22 | 2019-05-17 | 浪潮软件集团有限公司 | A kind of enterprise information management system and method |
| CN113743734A (en) * | 2021-08-10 | 2021-12-03 | 南京星云数字技术有限公司 | Credit score processing method and device and electronic equipment |
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Application publication date: 20181221 |