CN109118094A - A kind of enterprises service application system based on credit system - Google Patents

A kind of enterprises service application system based on credit system Download PDF

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Publication number
CN109118094A
CN109118094A CN201810943688.5A CN201810943688A CN109118094A CN 109118094 A CN109118094 A CN 109118094A CN 201810943688 A CN201810943688 A CN 201810943688A CN 109118094 A CN109118094 A CN 109118094A
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Prior art keywords
data
module
enterprise
credit
electronic contract
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CN109118094B (en
Inventor
马玉遐
蔡炬炜
杜宝拴
杨勋
马鼎皓
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Beijing Enterprise Xinyun Information Technology Co Ltd
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Beijing Enterprise Xinyun Information Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063Operations research, analysis or management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063Operations research, analysis or management
    • G06Q10/0635Risk analysis of enterprise or organisation activities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067Enterprise or organisation modelling
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/018Certifying business or products
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Engineering & Computer Science (AREA)
  • Human Resources & Organizations (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
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  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The enterprises service application system based on credit system that the present invention provides a kind of, the system include: reference unit, for calculating the reference reference data of Target Enterprise;Electronic contract unit for the electronic contract relationship between Target Enterprise to be established, safeguarded according to reference reference data, and is updated reference data based on result is fulfiled;Module access unit, for adding additional function modules.In enterprises service application system application process based on credit system of the invention, using reference reference data as reference before the foundation of electronic contract relationship, reference reference data is updated by the relationship of honouring an agreement after establishing electronic contract relationship, the complementary relationship both to realize, module access unit can access multiple functional modules according to the demand of system, Target Enterprise is still constrained by reference reference data and electronic contract during using functional module.

Description

A kind of enterprises service application system based on credit system
[technical field]
The present invention relates to technical field of electronic commerce more particularly to a kind of enterprises service application systems based on credit system System.
[background technique]
The origin of credit system is serviced for lending market, and Primary Actor has credit information service, financial institution, enterprise Industry, individual and government.With the development of the times, the epitaxy function of service is provided especially for commodity transaction and labour market It can be further strengthened and extend, this is the certainty of market economic development.It is increasingly significantly carried on the back in marketing credit risk Under scape, social credit system will certainly become the importance for influencing a national economic development.
How to establish a kind of enterprises service application system based on credit system using reference reference data is this field skill Art personnel technical problem urgently to be resolved.
[summary of the invention]
In view of this, the embodiment of the invention provides a kind of enterprises service application system based on credit system.
A kind of enterprises service application system based on credit system, the system comprises:
Reference unit, the reference unit are used to calculate the reference reference data of Target Enterprise;
Electronic contract unit, the electronic contract unit be used for according to reference reference data establish, maintenance Target Enterprise it Between electronic contract relationship, and reference data is updated based on fulfiling result;
Module access unit, the module access unit is for adding additional function modules.
As a kind of preferred embodiment of the application, the reference unit includes:
First obtains module, for obtaining the Target Enterprise from data source unit according to the affiliated type of Target Enterprise Reference initial data;
Preprocessing module obtains calculating number for the reference of reference for pre-processing the reference initial data According to;
Computing module, the reference model for calculating data according to the reference and constructing in advance obtain the target enterprise The reference reference data of industry.
As a kind of preferred embodiment of the application, the preprocessing module is specifically included:
Submodule is configured, for the source according to reference initial data, configures corresponding Resource TOC template to reference original After beginning data are handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data;
Synchronous submodule carries out secondary cleaning duplicate removal after first preprocessed data is synchronized to designated position To obtain the second preprocessed data;
Classification submodule, for obtaining for levying according to classifying rules is preset by second preprocessed data into classification The reference of letter calculates data.
As a kind of preferred embodiment of the application, the classification submodule is specifically used for:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored In the specified database;
If second preprocessed data detects to repeat in specified database, gone out respectively by preset formula calculating The comprehensive weight of second preprocessed data and repeated data, and calculate the difference of the two comprehensive weight;
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered;
When difference is not more than preset threshold, then artificial process instruction is sent.
As a kind of preferred embodiment of the application, the reference unit further include:
Report an error module, for when receiving the mistake report of reference reference data, then sending the modification of reference reference data Instruction.
As a kind of preferred embodiment of the application, the reference initial data includes:
Enterprise's essential information data, enterprise do an innings information data, enterprise's publicity information data, enterprise's punishment letter in each committee Cease data, the black list information data of enterprise's honor roll information data and enterprise.
As a kind of preferred embodiment of the application, the electronic contract unit includes:
Second obtains module, for after establishing mutual electronic contract relationship between at least two Target Enterprises, according to The specified period obtains the fulfillment information of electronic contract;
Processing module, for read fulfiling in fulfillment information as a result, and when fulfiling in result there are delinquent party, it is raw All enterprises ends that electronic contract relationship is currently all established with delinquent party are pushed at promise breaking information;
Update module refers to the current reference of the Target Enterprise for the result of fulfiling to be imported reference model Data are updated.
As a kind of preferred embodiment of the application, the electronic contract unit further include:
Pushing module, the collage-credit data for receiving requesting party transfer request, and the collage-credit data of enterprise to be transferred is pushed To requesting party.
As a kind of preferred embodiment of the application, module access unit includes but is not limited to:
Industrial and commercial proxy service module, intellectual property service module, professional technique service module, human resources service module, Management consulting service module, financial service module, property tax service module and legal services module.
A technical solution in above-mentioned technical proposal has the following beneficial effects:
The enterprises service application system based on credit system that the embodiment of the invention provides a kind of, the reference list including basis Member and electronic contract unit establish electronic contract relationship using reference reference data as reference before the foundation of electronic contract relationship Reference reference data is updated by the relationship of honouring an agreement later, to realize the complementary relationship of the two, module access is single Member can access multiple functional modules according to the demand of system, and Target Enterprise is still passed through during using functional module Reference reference data and electronic contract are constrained.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field For those of ordinary skill, without any creative labor, it can also be obtained according to these attached drawings other attached Figure.
Fig. 1 is a kind of frame signal of the enterprises service application system provided in an embodiment of the present invention based on credit system Figure;
Fig. 2 is a kind of block schematic illustration of reference unit provided in an embodiment of the present invention;
Fig. 3 is a kind of flow diagram that reference initial data provided in an embodiment of the present invention obtains;
Fig. 4 is the schematic illustration of data flow provided in an embodiment of the present invention;
Fig. 5 is the schematic illustration of data cleansing duplicate removal provided in an embodiment of the present invention;
Fig. 6 is a kind of block schematic illustration of electronic contract unit provided in an embodiment of the present invention;
Fig. 7 is a kind of block schematic illustration of module access unit provided in an embodiment of the present invention.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the" It is also intended to including most forms, unless the context clearly indicates other meaning.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicate There may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these three Situation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
Depending on context, word as used in this " if " can be construed to " ... when " or " when ... When " or " in response to determination " or " in response to detection ".Similarly, depend on context, phrase " if it is determined that " or " if detection (condition or event of statement) " can be construed to " when determining " or " in response to determination " or " when the detection (condition of statement Or event) when " or " in response to detection (condition or event of statement) ".
, electronic contract implementation procedure not high for the reference reference data validity in the presence of the prior art lacks prison It manages and about the not high technical problem of collage-credit data utilization rate, the present invention provides a kind of, and the electronics based on credit system is closed Same operation system.
Under the guidance of the thinking, the embodiment of the invention provides following feasible embodiments.
Fig. 1 is a kind of frame signal of the enterprises service application system provided in an embodiment of the present invention based on credit system Figure, referring to FIG. 1, it is this application provides a kind of enterprises service application system based on credit system, which includes:
Reference unit 100, the reference unit are used to calculate the reference reference data of Target Enterprise;
Electronic contract unit 200, the electronic contract unit are used to be established according to reference reference data, safeguard Target Enterprise Between electronic contract relationship, and reference data is updated based on fulfiling result;
Module access unit 300, the module access unit is for adding additional function modules.
Fig. 2 is a kind of block schematic illustration of reference unit provided in an embodiment of the present invention, referring to FIG. 2, reference unit packet It includes:
First obtains module 110, for obtaining the Target Enterprise from data source unit according to the affiliated type of Target Enterprise Reference initial data.
It should be noted that the first acquisition module of the present embodiment is the crawler system based on go language development, to interconnection The data information of online Target Enterprise is crawled, the data area crawled be greater than final calculating data, so It needs further to be cleaned duplicate removal to the data crawled.Wherein, reference initial data includes enterprise's essential information data, enterprise Industry does an innings information data, enterprise's publicity information data, enterprise's punishment information data, enterprise's honor roll information data and enterprise in each committee The black list information data of industry.Specifically referring to FIG. 3, Fig. 3 gives a kind of flow diagram that reference initial data obtains.
Preprocessing module 120 obtains calculating for the reference of reference for pre-processing the reference initial data Data;
Because the data crawled are excessively numerous and jumbled, how from data needed for reference in screening in the data crawled, for subtracting Few calculation amount and the reliability for improving reference result are particularly important.The preprocessing module of the application specifically includes following Submodule:
It configures submodule 1201 and configures corresponding Resource TOC template to sign for the source according to reference initial data After letter initial data is handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data.
Because Target Enterprise is divided as unit of institute possession, the data source header of the Target Enterprise in identical institute possession Substantially identical, so the format of reference initial data is also essentially identical, therefore affiliated data source template library can be with institute possession It is built for unit, specific aim screening can be carried out to reference initial data by Resource TOC template in this way, it is possible to reduce number According to the workload of acquisition.
Data acquisition can be handled based on following Three models:
1) mode manually, reported using artificial data, upper transmitting file are parsed, and specified data are stored in after being parsed In library;
2) it needs to carry out to use api interface and data source active mating when data acquisition;
3) it is directly got through with data source, real-time automatic collecting corresponding data.
The purpose once cleaned is to filter out the first valid data by the first preset rules (to meet ownership place Policy Conditions Data), and carry out repeat screening, filter out with data content duplicate in database because ownership place difference policy exist Difference, so the first preset rules are adjusted according to ownership place Policy Difference.
Synchronous submodule 1202 carries out secondary cleaning after first preprocessed data is synchronized to designated position Duplicate removal is to obtain the second preprocessed data.
The purpose of secondary cleaning is legal to the first valid data progress further screening second by the second preset rules Data (data for meeting reference model requirements) filter out and data content duplicate in database.
Classification submodule 1203, for being used according to classifying rules is preset by second preprocessed data into classification Data are calculated in the reference of reference.
Wherein, the specific works content of submodule of classifying can be refined as following steps:
If 1) second preprocessed data does not detect to repeat in specified database, the second preprocessed data is deposited It is stored in the specified database;
If 2) second preprocessed data detects to repeat in specified database, is calculated and distinguished by preset formula The comprehensive weight of second preprocessed data and repeated data out, and calculate the difference of the two comprehensive weight;
3) when difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered;
4) when difference is not more than preset threshold, then artificial process instruction is sent.
It should be noted that then the data are direct when repetition is not detected in specified database in the second preprocessed data Storage, if it is detected that the comprehensive weight of the data is calculated by data source, data time and data dimension when repeating, if When the difference of itself and repeated data in library is more than preset threshold, then update is triggered, if be less than preset threshold, PUSH message is logical Know that manpower intervention is handled.Fig. 4 and Fig. 5 are specifically please referred to, Fig. 4 is that a kind of principle of data flow provided in an embodiment of the present invention is shown It is intended to, Fig. 5 is a kind of schematic illustration of data cleansing duplicate removal provided in an embodiment of the present invention.
Computing module 130, the reference model for calculating data according to the reference and constructing in advance, obtains the target The reference reference data of enterprise.
Reference model is illustrated below by citing.
One, external environment (4 points)
1, Policy Background (1 point)
A, Industry Policy (flexible strategy 0.5)
Government supports attitude and dynamics to industry, if belongs to country and encourages development, first develops industry, non-limiting hair Exhibition, it is non-forbid develop industry.
B, Zone-Policy (flexible strategy 0.5)
Local government accordingly encourages supporting dynamics and measure, if first develops for place, encourages to develop industry.
2, industry background (2 points)
A, industry period (flexible strategy 1)
Become according to rate of gross profit, rate of gross profit growth rate, sales growth rate and management stability, entry and exit barrier, technology Leather etc. judges that industry is in budding period, growth stage, maturity period or decline phase.
B, degree of contention (flexible strategy 0.5)
Technology, fund, policy barrier, enterprise inside the circle's quantity and concentration degree, industry are influenced by upstream and downstream.
C, economic environment (flexible strategy 0.5)
The economic environment and development trend situation in Main Management region.
3, development prospect (1 point)
A, enterprise operation development strategy (flexible strategy 0.5)
The science and performance of strategy.
B, risk and uncertain factor determine (flexible strategy 0.5)
The influence of Macro-economic situation, industrial policy, industrial characteristic, the market demand, growing quality and the ability to ward off risks.
Two, management state (7 points)
1, it manages basic (0.3 point)
A, the scope of business (flexible strategy 0.1)
Other related service contents managed, operation meet client's desirability and business complete independently ability.
B, scale of operation (flexible strategy 0.1)
Scale of operation and networking degree, branch set up region and quantity, to the management level of branch
C, facilities and equipment (flexible strategy 0.1)
Related to business own and leasing management assets, facilities and equipment are possessed, conserve situation, and whether asset acquisition plan Development plan with enterprise is adapted.
2, competitiveness (6 points)
A, technical strength (flexible strategy 0.5)
Research funding puts into situation and enterprise's scientific achievement, patent, proprietary technology etc..
B, professional standards (flexible strategy 0.5)
It is exclusive from wound technology, copyright to obtain qualification, independent intellectual property right, non-patent that the relevant departments such as government issue Possess situation.
C, product popularity (flexible strategy 2)
Industry or regional influence: position in industry, staple market region, enterprise's public image;(flexible strategy 1)
Ability is occupied in market: enterprise market share occupation rate, and registered trademark, obtains well-known trademark title at national freed-from-inspection product And famous mark title etc. obtains situation.(flexible strategy 1)
D, intention and designed capacity (flexible strategy 0.5)
The personnel of design team and quality situation, company are in the investment of design aspect, undertaking project or the execution of service.
E, with upstream and downstream firms relationship (flexible strategy 0.5)
With main upstream and downstream firms cooperation and stability, bargaining power and independence, capital settlement mode of coming and going etc..
F, marketing ability (flexible strategy 0.5)
Marketing strategy and main marketing method, marketing plan solution formulation and implementation dynamics, marketing performance situation.
G, innovation ability (flexible strategy 0.5)
Design, transformation, business scope expand etc. products & services innovation ability, sole duty investigation research and development department and Personnel depaly situation.
H, management advantage (flexible strategy 0.5)
Management advantage existing for the purchasing of raw materials, cost control, sales network etc..
I, the level of informatization (flexible strategy 0.5)
The utilization degree of information technology, including electronic commerce network, the IT application of service, office automation management degree etc..
3, management stability (0.5 point)
A, time (flexible strategy 0.1) are managed
Management stability is investigated according to enterprise operation time limit length in conjunction with the industry.
B, employee's stability (flexible strategy 0.1)
Total number of persons and personnel's replacement frequency (paying social security list with reference to enterprise), high spot reviews company more than middle layer manages The stability of the Key Personnels such as administrative staff, technical backbone.
C, service stability (flexible strategy 0.1)
Business source and client's stability, concentration degree, supply and marketing smooth channel, nearly three annual sales amounts situation of change.
D, growth (flexible strategy 0.1)
In conjunction with nearly product development in 3 years or the investigations project such as manage timetable.
E, credit extending channel (flexible strategy 0.1)
Shareholder's strength, credit extending channel and diversification investigate the sustainability of Innovation Input and operate the abundant intensity of fund.
4, specialized capability (biological medicine research and development sub-industry) (0.2 point)
A, link (flexible strategy 0.05) are researched and developed
Investigate link locating for research and development of products (research and development early period, zoopery, phase clinical examination, the second stage of clinical examination, three phases Clinical examination, pilot scale stage, commercialization stage), prejudge the research and development of products probability of success and risk.
B, product category (flexible strategy 0.1)
Research and development product category is investigated, examines complexity before anticipation research and development value of the product and launch.
C, strength (flexible strategy 0.05) are researched and developed
In conjunction with R&D team's educational background, project is undertaken, quality of publishing an article, quantity etc. investigate R&D team's strength.
Three, management condition (9 points)
1, human resources (3 points)
A, equity situation (flexible strategy 0.5)
Whether equity is clear in recent years, stablizes, and following whether there is or not major changes.
B, senior executive's quality
Education level: management level educational background situation;(flexible strategy 0.5)
Working experience: main management level are in same industry working experience, practicing time, managerial experiences, business performance and correlation Social background;(flexible strategy 1)
Personal credit: the main nearly 3 years personal credits of management level such as legal representative, general manager record situation (personal credit Report or personal credit scoring, external information understand), Credit Consciousness.(flexible strategy 0.5)
C, practitioner's quality (flexible strategy 0.5)
R&D team's scale, composition, educational background, experience, practicing time, Credit Consciousness.
2, management (6 points)
A, organizational structure (flexible strategy 0.5)
The division of authority & responsibility and constraint of management level are reasonable with evaluation mechanism, Major Function department of enterprise and the setting of post power and responsibility Property, clarity and integrity.
B, management system construction and implementation (flexible strategy 0.5)
Management system is perfect, implementation of conditions.
A, project management (flexible strategy 0.5)
Project management level situation quality is carried out by country, Industry Policy or standard and enterprise internal management system.
C, credit management
Credit administration system executive condition, enterprise credit management Row control;(flexible strategy 1)
Credit management system is formulated and executive condition, mainly investigates contract management, receivable management, client supplier pipe Reason and business standing Files Building situation.(flexible strategy 1)
D, quality management (flexible strategy 0.5)
Quality management system executive condition, business events flow path control.
E, safety management (flexible strategy 0.5)
Production safety management system formulation and executive condition meet industry requirement situation.
F, environmental protection management (flexible strategy 0.5)
Environmental protection management system formulation and executive condition, meet industry requirement situation.
G, financial management (flexible strategy 0.5)
Daily financial control system is formulated and executive condition;Accounting standardized degree, corporation finance and control feelings Condition.
H, risk management (flexible strategy 0.5)
Enterprise Risk Management system formulation and executive condition.
Four, financial index (35 points)
1, assets operating conditions (8 points)
A, the turnover of total assets (flexible strategy 2)
Main business income/[(initial total assets+end of term total assets)/2].
B, accounts receivable turnover (flexible strategy 2)
Main business income/[(initial accounts receivable remaining sum initial value+beginning bill receivable remaining sum+end of term accounts receivable initial value + end of term bill receivable remaining sum)/2].
C, the velocity of liquid assets (flexible strategy 2)
Operating income net amount/average total current assets.
D, stock turnover rate (flexible strategy 1)
Main business cost/[(beginning inventory+closing stock)/2].
E, prime operating revenue cash rate (flexible strategy 1)
Main business free cash inflow/main business income x100%.
2, business growth ability (6 points)
A, developing ability
3 years sale average growth rates (manage and be discontented with 3 years, calculated by practical year of managing);(flexible strategy 1)
3 years net assets average growth rates (manage and be discontented with 3 years, calculated by practical year of managing);(flexible strategy 1)
3 annual return average growth rates (are managed and are discontented with 3 years, calculate by practical year of managing).(flexible strategy 1)
B, innovation ability
R&D expense income sheet ratio: (R&D total cost/operating income net amount) x100%;(flexible strategy 1)
Equipment turnover rate: (fixed assets at cost value added/year end fixed assets at cost total value in 3 years) x100%;(flexible strategy 1)
Developmental achievement and applicable cases: (current year patent, invention, engineering method above the provincial level etc. declare, work out number/current year engineering Complete number) x 100%.(flexible strategy 1)
3, financial benefit situation (10 points)
A, net assets income ratio (flexible strategy 2)
After-tax profit/[(initial net assets remaining sum+end of term net assets remaining sum)/2] x100%.
B, the profit margin of business income (flexible strategy 2)
(operating profit/main business income) x100%.
C, prime operating revenue cash rate (flexible strategy 2)
(main business free cash inflow/main business income) x100%.
D, return on total assets (flexible strategy 2)
(total profit+interest expense)/[(initial total assets+end of term total assets)/2] x100%.
E, cost profit margin (flexible strategy 1)
Total profit/cost total value x100%.
F, rate of gross profit (flexible strategy 1)
(main business income-main business cost)/main business income x100%.
4, fund credit standing (11 points)
A, asset-liability ratio (flexible strategy 3)
(total liabilities/total assets) x100%.
B, cash flow debt-to-equity ratio (flexible strategy 3)
(year operational cash net inflow/year end current liability average balance) x100%.
C, current rate (flexible strategy 3)
(quick assets/current liability) x100%.
D, interest cover ratio (flexible strategy 1)
EBIT/interest expense.
E, liquidity ratio (flexible strategy 1)
Total current assets/current liability total value x100%.
Five, common credit information record (45 points)
1, social responsibility (0.5 point)
A, honorary certificate (flexible strategy 0.5)
Environmental protection, the social responsibilities such as pay taxes, is charitable reward situation, government, employer's organization etc. authorize enterprise and its main pipe The reward of reason personnel, honorary title.
2, every certification (10.5 points)
A, management system authenticates
Obtain external credit management system certification certificate (in validity period);(flexible strategy 2)
Obtain international quality management system certification certificate (in validity period).(flexible strategy 2)
B, contract credit accreditation (flexible strategy 2)
A grades are obtained to abide by the contract, keep promise corporate authentication certificate (in validity period).
C, quality, service credit certification (flexible strategy 2)
It obtains A grades of heavys, service sincere unit certification certificate (in validity period).
D, credit grade certification (flexible strategy 2)
It obtains AAA grades of credit grades and authenticates certificate.
C, prestige documentary evidence (flexible strategy 0.5)
The excellent record documentary evidence of business administrative responsibile institution above county level credit.
3, business standing record (14 points)
A, qualification credit situation (4 points)
Whether enterprise is through administrative control of a state department approval constituted by law;(flexible strategy 0.5)
The property right whether enterprise possesses management place in accordance with the law proves or tenancy agreement;(flexible strategy 0.5)
The behaviors such as whether registered enterprise fund is true, legal, and nothing is lied about, escaped;(flexible strategy 0.5)
Whether there is or not the special operation permissions that relevant department's core is sent out to prove for extraordinary service trade;(flexible strategy 0.5)
Whether enterprise operation project meets the range of State Administration for Industry and Commerce's approval, the behavior without the operation that goes beyond the scope; (flexible strategy 0.5)
Whether state tax authority core sends out tax code authentic and valid;(flexible strategy 0.5)
Enterprise chief leading cadre records without serious discreditable behavior;(flexible strategy 0.5)
Business finance, accounting, statistical report form are true, accurate, and no false behavior, nearly 2 years without losses due to poor management;(flexible strategy 0.5)
B, the behavior of credit situation (5 points) recorded by Chinese united credit verification system and province's cartel credit investigation system
No discreditable behavior record;(not deducting points)
There is 1 discreditable behavior record;(2 points of button)
There are 2 and above discreditable behavior record, or has great record of breaking one's promise;(5 points of button)
C, illegal record (5 points)
Administrative (industry and commerce, the tax, financial accounting, quality supervision, finance, labour protection and other administrative responsibile institution), judicial and employer's organization To enterprise's punishment and record of bad behavior situation.(having record of breaking one's promise, detain 3 points, until having detained)
5, it commercially honours an agreement (2 points)
Contract breaks a contract record situation commercial contract degree of performance (flexible strategy 2)
Legal dispute and great complaint situation and materially affect.
6, expense deposits (1 point)
It is in arrears with record situation (flexible strategy 1)
It is in arrears with amount and is in arrears with the time (and with reference to verification normal business circumstance of enterprise).
7, customer satisfaction (2 points)
Customer satisfaction (flexible strategy 2)
Customer satisfaction survey.
8, it invites and submit bids credit record (15 points)
A, it invites and submit bids illegal record (7 points)
Relevant laws and regulations of inviting and submitting bids are violated, and by the behavior of administrative penalty (flexible strategy 7)
Whether there is or not administrative penalties and record of breaking one's promise (whether there is or not administrative penalties and record of breaking one's promise).
B, engineering contract agreement fulfillment rate (5 points)
The practical creditworthiness of honouring an agreement of engineering contract: (contract number of actually honouring an agreement/should honour an agreement contract number) x100%;(flexible strategy 3)
Project leader (personnel such as project manager, person in charge of the technology aspect, chief inspector) in place and replacement situation, contract dispute feelings Condition, the overall assessment for situation of honouring an agreement.(flexible strategy 2)
Prize-winning engineering rate situation (3 points)
Awards accounting is issued in the nearly 3 years prefecture-level above governments or authorities' comparation and assessment
Nearly 3 years prize-winning engineering numbers/actually accomplish engineering number x100% (flexible strategy 3) in nearly 3 years.
Occupy very high weight in reference model from can be seen that result of honouring an agreement in model above.
It should be noted that reference unit further include:
The module that reports an error 140, for when receiving the mistake report of reference reference data, then sending reference reference data and repairing Change instruction.
Wherein, Fig. 6 is a kind of block schematic illustration of electronic contract unit provided in an embodiment of the present invention, referring to FIG. 6, electric Sub- contract unit includes:
Second obtains module 210, for after establishing mutual electronic contract relationship between at least two Target Enterprises, root The fulfillment information of electronic contract is obtained according to the specified period.
Specifically, obtaining electronics according to the specified period after establishing mutual electronic contract relationship between Target Enterprise Performance of contract information, wherein fulfillment information is after being uploaded by Target Enterprise, then the data information after being audited by platform.
It should be noted that the collage-credit data for receiving requesting party transfers request, the collage-credit data of enterprise to be transferred is pushed To requesting party.
Specifically, the collage-credit data of Target Enterprise is transferred, to request when system receives the Target Enterprise mark of requesting party Side is shown, the including but not limited to unified social credibility code of Target Enterprise mark, enterprise's font size etc., identified above to be used as mesh The feature for marking enterprise, can be used for distinguishing different enterprises.The collage-credit data of Target Enterprise, which can be used as, establishes electronics between enterprise Important referential data before contract reflects the various dimensions situation such as scale, research and development ability, contractual capacity of enterprise.
Processing module 220, for reading fulfiling in fulfillment information as a result, and ought fulfil in result in the presence of promise breaking Side generates promise breaking information and pushes to all enterprises ends for currently all establishing electronic contract relationship with delinquent party.
Specifically, there may be multiple partners for signing electronic contract before enterprise, if the enterprise and one of enterprise Industry generates violations, will be sent to all units cooperated with the said firm in form of a message in the violations to show It is alert, achieve the purpose that honour an agreement to enterprise in the above manner to constrain.
Update module 230 joins the current reference of the Target Enterprise for the result of fulfiling to be imported reference model Data are examined to be updated.
Specifically, fulfiling result as one of reference model important parameter, reference model is imported by the way that result will be fulfiled, it is right The current reference reference data of Target Enterprise is updated, to ensure that the timeliness of reference reference data.
Pushing module 240, the collage-credit data for receiving requesting party transfer request, the collage-credit data of enterprise to be transferred are pushed away It send to requesting party.
Wherein, Fig. 7 is a kind of block schematic illustration of module access unit provided in an embodiment of the present invention, referring to FIG. 7, mould Block access unit includes but is not limited to:
Industrial and commercial proxy service module 310, intellectual property service module 320, professional technique service module 330, human resources Service module 340, management consulting service module 350, financial service module 360, property tax service module 370 and legal services module 380。
Module access unit is the personalized service unit of system, can be expanded, below we with intellectual property service It is illustrated for module, when needing to establish electronic contract relationship, Target Enterprise A and mesh between Target Enterprise A and Target Enterprise B Mark enterprise B can mutually check the reference reference data of other side, when the two has established electronic contract relationship, according to situation pair of honouring an agreement The reference reference data of the two is updated, to realize the technical effect that constraint electronic contract is honoured an agreement.
A technical solution in above-mentioned technical proposal has the following beneficial effects:
The enterprises service application system based on credit system that the embodiment of the invention provides a kind of, the reference list including basis Member and electronic contract unit establish electronic contract relationship using reference reference data as reference before the foundation of electronic contract relationship Reference reference data is updated by the relationship of honouring an agreement later, to realize the complementary relationship of the two, module access is single Member can access multiple functional modules according to the demand of system, and Target Enterprise is still passed through during using functional module Reference reference data and electronic contract are constrained.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with It realizes by another way.For example, apparatus embodiments described above are merely indicative, for example, the unit It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, equipment or unit it is indirect Coupling or communication connection can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme 's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer It is each that equipment (can be personal computer, server or the network equipment etc.) or processor (Processor) execute the present invention The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read- Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.

Claims (9)

1. a kind of enterprises service application system based on credit system, which is characterized in that the system comprises:
Reference unit, the reference unit are used to calculate the reference reference data of Target Enterprise;
Electronic contract unit, the electronic contract unit are used to be established according to reference reference data, between maintenance Target Enterprise Electronic contract relationship, and reference data is updated based on result is fulfiled;
Module access unit, the module access unit is for adding additional function modules.
2. the enterprises service application system according to right 1 based on credit system, which is characterized in that the reference unit packet It includes:
First obtains module, for obtaining the reference of the Target Enterprise from data source unit according to the affiliated type of Target Enterprise Initial data;
Preprocessing module obtains calculating data for the reference of reference for pre-processing the reference initial data;
Computing module, the reference model for calculating data according to the reference and constructing in advance, obtains the Target Enterprise Reference reference data.
3. the enterprises service application system according to right 2 based on credit system, which is characterized in that the preprocessing module It specifically includes:
It configures submodule and configures corresponding Resource TOC template to reference original number for the source according to reference initial data After being handled, primary cleaning duplicate removal is carried out to obtain the first preprocessed data;
Synchronous submodule carries out secondary cleaning duplicate removal after first preprocessed data is synchronized to designated position to obtain To the second preprocessed data;
Classification submodule, for obtaining for reference according to classifying rules is preset by second preprocessed data into classification Reference calculates data.
4. the enterprises service application system according to right 3 based on credit system, which is characterized in that the classification submodule It is specifically used for:
If second preprocessed data does not detect to repeat in specified database, the second preprocessed data is stored in this Specified database;
If second preprocessed data detects to repeat in specified database, is calculated by preset formula and go out second respectively The comprehensive weight of preprocessed data and repeated data, and calculate the difference of the two comprehensive weight;
When difference is greater than preset threshold, then the update that the specified database carries out corresponding data is triggered;
When difference is not more than preset threshold, then artificial process instruction is sent.
5. the enterprises service application system according to right 4 based on credit system, which is characterized in that the reference unit is also Include:
Report an error module, for when receiving the mistake report of reference reference data, then sending the modification instruction of reference reference data.
6. the enterprises service application system according to right 5 based on credit system, which is characterized in that the reference original number According to including:
Enterprise's essential information data, enterprise do an innings information data, enterprise's publicity information data, enterprise's punishment Information Number in each committee According to, the black list information data of enterprise's honor roll information data and enterprise.
7. the enterprises service application system according to right 6 based on credit system, which is characterized in that the electronic contract list Member includes:
Second obtains module, for when establish mutual electronic contract relationship between at least two Target Enterprises after, according to specifying The fulfillment information of period acquisition electronic contract;
Processing module, for reading fulfiling in fulfillment information as a result, and when fulfiling there are delinquent party in result, generation is disobeyed About information pushes to all enterprises ends that electronic contract relationship is currently all established with delinquent party;
Update module, for the result of fulfiling to be imported reference model, to the current reference reference data of the Target Enterprise It is updated.
8. the enterprises service application system according to right 7 based on credit system, which is characterized in that the electronic contract list Member further include:
Pushing module, the collage-credit data for receiving requesting party transfer request, the collage-credit data of enterprise to be transferred are pushed to and is asked The side of asking.
9. the enterprises service application system according to claim 8 based on credit system, which is characterized in that module access unit packet It includes but is not limited to:
Industrial and commercial proxy service module, intellectual property service module, professional technique service module, human resources service module, management Counseling services module, financial service module, property tax service module and legal services module.
CN201810943688.5A 2018-08-18 2018-08-18 Enterprise service application system based on credit system Active CN109118094B (en)

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CN110555593A (en) * 2019-07-31 2019-12-10 阿里巴巴集团控股有限公司 method and device for processing issue of credit contract system
CN111553818A (en) * 2020-04-29 2020-08-18 搜信信用产业集团有限公司 Intelligent monitoring contract performing dynamic tracking method, system, device and storage medium
CN114971883A (en) * 2022-06-27 2022-08-30 贵州省农村信用社联合社 Small and micro enterprise credit risk assessment analysis system based on big data
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