CN109214915A - Borrow risk methods of marking, system and computer readable storage medium - Google Patents
Borrow risk methods of marking, system and computer readable storage medium Download PDFInfo
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- CN109214915A CN109214915A CN201811036183.7A CN201811036183A CN109214915A CN 109214915 A CN109214915 A CN 109214915A CN 201811036183 A CN201811036183 A CN 201811036183A CN 109214915 A CN109214915 A CN 109214915A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses a kind of loan risk methods of marking.The loan risk methods of marking includes: that the acquisition loan risk, which scores, requests the company information of corresponding enterprise when receiving loan risk scoring request；The change information of corresponding business indicators is obtained according to the company information, and the business indicators are divided according to the change information of the business indicators, is divided into positive index and negative index；Risk score is calculated by preset rules according to the type and its quantity of the positive index and negative index.The invention also discloses a kind of loan risk points-scoring system and computer readable storage mediums.The present invention can be realized to analyze by data and be evaluated in quantitative mode risk is borrowed.
Description
Technical field
The present invention relates to financial technology field more particularly to a kind of loan risk methods of marking, system and computer-readable
Storage medium.
Background technique
Risk analysis, risk control before many financial institutions of China focus on borrowing very much, then compare the situation in loan and put
Pine less payes attention to the importance of dynamic analysis.However, since market situation is fast changing, the case where before borrowing when risk assessment
It can not remain unchanged for a long time, such as the decision that borrower makes mistakes in business process, macro policy change, changes in market demand
Deng, may cause risk variation.Therefore, it supervises and is very important in the dynamic analysis, loan of reinforcement loan risk.Currently,
For borrowing the monitoring of risk, mainly by what is manually carried out, workload is huge, and therefore, number can intelligently be obtained by needing one kind
According to and the mode that automatically analyzes, timely and effectively to be analysed and evaluated to borrowing risk.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide a kind of loan risk methods of marking, system and computer-readable storage mediums
Matter, it is intended to realize to analyze by data and be evaluated in quantitative mode risk is borrowed.
To achieve the above object, the present invention provides a kind of loan risk methods of marking, the loan risk methods of marking packet
Include following steps:
When receiving loan risk scoring request, the acquisition loan risk, which scores, requests the enterprise of corresponding enterprise to believe
Breath；
The change information of corresponding business indicators is obtained according to the company information, and according to the variation of the business indicators
Information divides the business indicators, is divided into positive index and negative index；
Risk score is calculated by preset rules according to the type and its quantity of the positive index and negative index.
Optionally, the company information includes industrial and commercial modification information, described to obtain corresponding enterprise according to the company information
The change information of industry index, and the business indicators are divided according to the change information, be divided into positive index and are born
The step of face index includes:
The change type of corresponding industrial and commercial sub- index is determined according to the industrial and commercial modification information；
Each sub- index of industry and commerce is divided according to the change type of the sub- index of industry and commerce, be divided into positive index and is born
Face index.
Optionally, the company information further includes financial report information and financial report information in loan before borrowing, described according to the enterprise
The change information of the corresponding business indicators of acquisition of information, and the business indicators are divided according to the change information, it draws
The step of being divided into positive index and negative index further include:
Financial report index and financial report index in loan before borrowing are obtained according to financial report information in financial report information before the loan and loan respectively；
Financial report index before the loan and financial report index in the loan are compared, the change information of financial report index is obtained；
The sub- index of each financial report in the financial report index is divided according to the change information of the financial report index, is divided
For positive index and negative index.
Optionally, before the loan financial report information and borrow in financial report information include management data, balance sheet, profit flow table and
One of cash flow statement is a variety of, financial report index and financial report index includes into depositing ratio, returned money rate, short-term in borrowing before the loan
One of debt paying ability, long-term pay ability, operation ability, profitability and business growth ability or the sub- index of a variety of financial reports.
Optionally, the company information further includes debt-credit newly-added information, described corresponding according to company information acquisition
The change information of business indicators, and the business indicators being divided according to the change information, be divided into positive index and
The step of negative index further include:
The corresponding change type for borrowing or lending money sub- index is determined according to the debt-credit newly-added information；
Each sub- index of debt-credit is divided according to the change type of the sub- index of debt-credit, positive index is divided into and bears
Face index.
Optionally, the company information further includes risk information and loan risk information before borrowing, described according to the enterprise
The change information of the corresponding business indicators of acquisition of information, and the business indicators are divided according to the change information, it draws
The step of being divided into positive index and negative index further include:
The change information of risk indicator is obtained according to risk information before the loan and loan risk information；
The sub- index of each risk in the risk indicator is divided according to the change information of the risk indicator, is divided
For positive index and negative index.
Optionally, the type and its quantity according to the positive index and negative index is calculated by preset rules
The step of risk score includes:
It is negative according to the positive index score of the type and its quantity of the positive index and negative index calculating first and first
Face index score；
Judge whether the described first positive index score is greater than default positive index score, obtains the first judging result, and
The corresponding second positive index score is obtained according to first judging result；
Judge whether the described first negative index score is greater than and preset negative index score, obtains the second judging result, and
Corresponding second negative index score is obtained according to second judging result；
Described second positive index score and the second negative index score are summed up, risk score is obtained.
Optionally, the loan risk methods of marking further include:
Corresponding risk class is determined according to the risk score and default mapping table；
Corresponding loan risk warning information is generated according to the risk class, and the loan risk warning information is sent out
It send to corresponding lender terminal.
In addition, to achieve the above object, the present invention also provides a kind of loan risk points-scoring system, the loan risk scoring
System includes: memory, processor and is stored in the loan risk that can be run on the memory and on the processor and comments
Branch, described borrow realize loan risk methods of marking as described above when risk scoring procedures are executed by the processor
Step.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored on storage medium and borrows risk scoring procedures, the loan risk scoring procedures realize institute as above when being executed by processor
The step of loan risk methods of marking stated.
The present invention provides a kind of loan risk methods of marking, system and computer readable storage medium, in receiving loan
When risk score is requested, the company information that corresponding enterprise is requested in loan risk scoring is obtained；Then, it is obtained according to company information
The change information of corresponding business indicators, and business indicators are divided according to the change information of the business indicators, it is divided into
Positive index and negative index；Finally, according to the type of the positive index marked off and its quantity, the type of negative index and its
Risk score is calculated by preset rules in quantity.The present invention passes through the company information obtained before enterprise borrows and in loan, and intelligent
The variation of corresponding business indicators is analyzed, and then risk score is calculated by quantitative mode, therefore, present invention realization passes through number
It is evaluated in quantitative mode risk is borrowed according to analysis, is manually monitored analysis without passing through, human capital can be reduced,
The timeliness of risk supervision can also be improved simultaneously.
Detailed description of the invention
Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram that the present invention borrows risk methods of marking first embodiment；
Fig. 3 is the refinement flow diagram of step S30 in first embodiment of the invention；
The first refinement flow diagram that Fig. 4 is step S20 in first embodiment of the invention；
The second refinement flow diagram that Fig. 5 is step S20 in first embodiment of the invention；
The third that Fig. 6 is step S20 in first embodiment of the invention refines flow diagram；
The 4th refinement flow diagram that Fig. 7 is step S20 in first embodiment of the invention.
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 embodiment
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.
In the prior art, many financial institutions focus on the risk analysis before borrowing, risk control very much, then to the situation in loan
Compare and loosen, less payes attention to the importance of dynamic analysis.Currently, for the monitoring for borrowing risk, mainly by manually carrying out
, workload is huge, therefore, need a kind of mode that can intelligently obtain data and automatically analyze, with to borrow risk carry out and
When effectively analyse and evaluate.
In order to solve the above technical problem, the present invention provides a kind of loan risk methods of marking, system and computer-readable
Storage medium obtains loan risk scoring and requests to correspond to the company information of enterprise when receiving loan risk scoring request；
Then, the change information of corresponding business indicators is obtained according to company information, and according to the change information of the business indicators to enterprise
Industry index is divided, and positive index and negative index are divided into；Finally, according to the type and its number of the positive index marked off
Amount, the type and its quantity of negative index, are calculated risk score by preset rules.The present invention by obtain enterprise borrow before and
Company information in loan, and intellectual analysis corresponds to the variation of business indicators, and then calculates risk score by quantitative mode,
Therefore, the present invention is realized to analyze by data and be evaluated in quantitative mode risk is borrowed, without by manually being supervised
Control analysis, can reduce human capital, while can also improve the timeliness of risk supervision.
Referring to Fig.1, Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
The terminal of that embodiment of the invention can be PC (Personal Computer, personal computer), be also possible to plate electricity
The terminal devices such as brain, portable computer, server.
As shown in Figure 1, the terminal may include: processor 1001, such as CPU, communication bus 1002, user interface
1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as Wi-Fi interface).Memory 1005 can be high speed RAM memory, be also possible to stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 1, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module, Subscriber Interface Module SIM and borrows risk scoring procedures.
In terminal shown in Fig. 1, network interface 1004 is mainly used for connecting background server, carries out with background server
Data communication；User interface 1003 is mainly used for connecting client, carries out data communication with client；And processor 1001 can be with
For calling the loan risk scoring procedures stored in memory 1005, and execute following operation:
When receiving loan risk scoring request, the acquisition loan risk, which scores, requests the enterprise of corresponding enterprise to believe
Breath；
The change information of corresponding business indicators is obtained according to the company information, and according to the variation of the business indicators
Information divides the business indicators, is divided into positive index and negative index；
Risk score is calculated by preset rules according to the type and its quantity of the positive index and negative index.
Further, the company information includes industrial and commercial modification information, and processor 1001 can call in memory 1005
The loan risk scoring procedures of storage also execute following operation:
The change type of corresponding industrial and commercial sub- index is determined according to the industrial and commercial modification information；
Each sub- index of industry and commerce is divided according to the change type of the sub- index of industry and commerce, be divided into positive index and is born
Face index.
Further, the company information further includes financial report information and financial report information in borrowing before borrowing, and processor 1001 can be with
The loan risk scoring procedures stored in memory 1005 are called, following operation is also executed:
Financial report index and financial report index in loan before borrowing are obtained according to financial report information in financial report information before the loan and loan respectively；
Financial report index before the loan and financial report index in the loan are compared, the change information of financial report index is obtained；
The sub- index of each financial report in the financial report index is divided according to the change information of the financial report index, is divided
For positive index and negative index.
Further, financial report information and financial report information in loan include management data, balance sheet, profit flow table before the loan
With one of cash flow statement or a variety of, financial report index and financial report index includes into depositing ratio, returned money rate, short in borrowing before the loan
One of phase debt paying ability, long-term pay ability, operation ability, profitability and business growth ability or the sub- index of a variety of financial reports.
Further, the company information further includes debt-credit newly-added information, and processor 1001 can call memory 1005
The loan risk scoring procedures of middle storage also execute following operation:
The corresponding change type for borrowing or lending money sub- index is determined according to the debt-credit newly-added information；
Each sub- index of debt-credit is divided according to the change type of the sub- index of debt-credit, positive index is divided into and bears
Face index.
Further, the company information further includes risk information and borrowing risk information before borrowing, and processor 1001 can be with
The loan risk scoring procedures stored in memory 1005 are called, following operation is also executed:
The change information of risk indicator is obtained according to risk information before the loan and loan risk information；
The sub- index of each risk in the risk indicator is divided according to the change information of the risk indicator, is divided
For positive index and negative index.
Further, processor 1001 can call the loan risk scoring procedures stored in memory 1005, also execute
It operates below:
It is negative according to the positive index score of the type and its quantity of the positive index and negative index calculating first and first
Face index score；
Judge whether the described first positive index score is greater than default positive index score, obtains the first judging result, and
The corresponding second positive index score is obtained according to first judging result；
Judge whether the described first negative index score is greater than and preset negative index score, obtains the second judging result, and
Corresponding second negative index score is obtained according to second judging result；
Described second positive index score and the second negative index score are summed up, risk score is obtained.
Further, processor 1001 can call the loan risk scoring procedures stored in memory 1005, also execute
It operates below:
Corresponding risk class is determined according to the risk score and default mapping table；
Corresponding loan risk warning information is generated according to the risk class, and the loan risk warning information is sent out
It send to corresponding lender terminal.
Based on above-mentioned hardware configuration, propose that the present invention borrows each embodiment of risk methods of marking.
The present invention provides a kind of loan risk methods of marking.
It is the flow diagram that the present invention borrows risk methods of marking first embodiment referring to Fig. 2, Fig. 2.
In the present embodiment, which includes:
Step S10, when receiving loan risk scoring request, the acquisition loan risk, which scores, requests corresponding enterprise
Company information；
In the present embodiment, terminal can be PC (Personal Computer, personal computer), be also possible to plate
The terminal devices such as computer, portable computer, server.
In the present embodiment, terminal obtains loan risk scoring request pair when receiving loan risk scoring request
Answer the company information of enterprise.Wherein, the triggering mode for borrowing risk scoring request can include but is not limited to: 1) setting periodically inspection
Survey mode, such as setting scored every 1 month one subprime mortgage risk of progress, can automatic trigger to preset time；2) staff
Corresponding loan platform system is logged in by terminal, risk scoring option is borrowed in selection in a certain loan order, that is, can trigger.
Company information includes financial report information before industrial and commercial modification information, loan, in loan before financial report information, debt-credit newly-added information, loan
Risk information and loan risk information.Wherein, industrial and commercial modification information be the loan origination time to this period of current time in,
The information that the enterprise changes industrial and commercial information, can be by corresponding interface from national credit information of enterprise publicity system etc.
It obtains；Financial report information is the financial report information of the enterprise before loan origination before borrowing, it may include management data, asset-liabilities before loan
One of table, profit flow table and cash flow statement are a variety of, can obtain from pre-stored data library；Financial report information is to provide a loan in loan
The financial report information of enterprise in Time Of Release to this period of current time, it may include management data, asset-liabilities in loan
One of table, profit flow table and cash flow statement are a variety of, can obtain from pre-stored data library；Borrowing or lending money newly-added information is loan hair
Put the loan information increased newly in the time to this period of current time, it may include newly-increased loaning bill information and newly-increased refund information,
It can be obtained by corresponding interface from corresponding system or database；Risk information is the wind of the enterprise before loan origination before borrowing
Dangerous information, it may include lawsuit information and negative information before loan；Borrowing risk information is the loan origination time to current
The risk information of enterprise in this period of time, it may include lawsuit information and negative information in loan；Lawsuit
Information can carry out inquiry acquisition from relevant government website, and negative information can be obtained from presetting database, this is pre-
It, can be every if database is to obtain and extract the negative information of each enterprise from major website based on crawler technology to construct
Preset time (such as 1 day) is crawled, and updates the presetting database.
Step S20 obtains the change information of corresponding business indicators according to the company information, and is referred to according to the enterprise
Target change information divides the business indicators, is divided into positive index and negative index；
Then, terminal obtains the change information of corresponding business indicators according to company information, and according to the business indicators
Change information divides business indicators, is divided into positive index and negative index.Company information include industrial and commercial modification information,
Financial report information before borrowing risk information and borrows risk information before financial report information, debt-credit newly-added information, loan in loan, for all kinds of enterprises
The processing partition process difference of the correspondence business indicators of industry information is as follows:
When getting industrial and commercial modification information, the change class of the corresponding sub- index of industry and commerce is determined according to the industry and commerce modification information
Then type divides each sub- index of industry and commerce according to the change type of the sub- index of the industry and commerce, be divided into positive index and negative
Index.
When financial report information before getting loan is with financial report information in loan, the preceding financial report of loan is calculated according to preceding financial report information is borrowed
Index, at the same according to financial report information in loan borrowed in financial report index；Financial report index and financial report index carries out pair in borrowing before borrowing
Than obtaining the change information of financial report index；Then, each financial report in financial report index is referred to according to the change information of financial report index
Mark is divided, and being divided into proves index and negative index.
When getting debt-credit newly-added information, the corresponding variation class for borrowing or lending money sub- index is determined according to the debt-credit newly-added information
Type；Then, each sub- index of debt-credit is divided according to the change type for borrowing or lending money sub- index, is divided into positive index and negatively refers to
Mark.
In risk information before getting loan and loan risk information, according to the preceding risk information of loan and risk information can be borrowed
Obtain the change information of risk indicator；Then, according to the change information of risk indicator to the sub- index of each risk in risk indicator
It is divided, is divided into positive index and negative index.
Wind is calculated by preset rules according to the type and its quantity of the positive index and negative index in step S30
Danger scoring.
Finally, according to the type of the positive index marked off and its quantity, the type and its quantity of negative index, by default
Risk score is calculated in rule.Specifically, referring to Fig. 3, step S30 includes:
Step S31 calculates the first positive index score according to the type and its quantity of the positive index and negative index
With the first negative index score；
Firstly, calculating separately first just according to the type of positive index and its quantity, the type of negative index and its quantity
Face index score and the first negative index score.Due to different types of positive index or negative index, bonus point value or deduction
Value may be also different, at this point it is possible to count based on the positive affiliated type of index to positive index, obtain all types of fronts
The quantity of index；Negative index is counted based on the affiliated type of negative index simultaneously, obtains all types of negative indexs
Quantity；At this point, the first positive index be scored at the corresponding bonus point value of all types of positive indexs and its quantity product addition and,
First negative index be scored at the corresponding deduction value of all types of negative indexs and its quantity product addition and.For example, dividing
27 positive indexs are obtained, it is respectively 10,4,6,7, type that wherein type, which is the quantity of the positive index of a, b, c, d,
Bonus point value for a, b, c, d is respectively 2 points, 5 points, 3 points, 2 points, at this point, the first positive index score=10 × 2+4 × 5+6 × 3
+ 7 × 2=62 points.14 negative indexs are obtained for another example dividing, wherein type is that the quantity of the negative index of A, B, C is respectively
7,3,4, the deduction value of type A, B, C are respectively 4 points, 2 points, 1 point, at this point, first negative index score=7 × 4+
3 × 2+4 × 1=38 points.
Certainly, in a particular embodiment, the type that can not also consider positive index and negative index, according only to its quantity
And it is preset plus, deduction value calculate the first positive index score and the first negative index score, i.e., the first positive index score=
The quantity of default bonus point value × front index+default deduction value × negative index quantity.
Step S32, judges whether the described first positive index score is greater than default positive index score, obtains the first judgement
As a result, and obtaining the corresponding second positive index score according to first judging result；
Then, judge whether the first positive index score is greater than default positive index score, obtain the first judging result,
And the corresponding second positive index score is obtained according to the first judging result.Refer to if the first positive index score is greater than default front
Score is marked, then the second positive index score=default positive index score；If the first positive index score is less than or equal to default
Positive index score, then the second positive positive index score of index score=first.
Step S33 judges whether the described first negative index score is greater than and presets negative index score, obtains the second judgement
As a result, and obtaining corresponding second negative index score according to second judging result；
Judge whether the first negative index score is greater than and preset negative index score, obtains the first judging result, and root
Corresponding second negative index score is obtained according to the first judging result.It presets negative index if the first negative index score is greater than and obtains
Point, then the second negative index score=preset negative index score；If the first negative index score is less than or equal to default negative
Index score, then the second negative index score=preset the negative index score of negative index score-the first.
It should be noted that the default positive index score is respectively positive index bonus point with negative index score is preset
Value, the upper limit of negative index deduction value are systemic presupposition, the two values are being arranged, can carried out according to national credit policy
Adjustment setting.
In addition it is also necessary to explanation, the execution sequence of step S32 and step S33 are in no particular order.
Step S34 sums up the described second positive index score and the second negative index score, obtains risk and comment
Point.
Finally, terminal is after obtaining the second positive index score and the second negative index score, to the second positive index
Score and the second negative index score sum up, and obtain risk score, the i.e. positive index score+the second of risk score=second
Negative index score.
The embodiment of the present invention provides a kind of loan risk methods of marking, when receiving loan risk scoring request, obtains
The company information of corresponding enterprise is requested in loan risk scoring；Then, the change of corresponding business indicators is obtained according to company information
Change information, and business indicators are divided according to the change information of the business indicators, is divided into positive index and negative index；
Finally, being calculated according to the type of the positive index marked off and its quantity, the type and its quantity of negative index by preset rules
Obtain risk score.The present invention passes through the company information obtained before enterprise borrows and in loan, and intellectual analysis corresponds to business indicators
Variation, and then risk score is calculated by quantitative mode, therefore, present invention realization is analyzed by data in quantitative mode
It evaluates risk is borrowed, it is not necessary that human capital can be reduced, while can also improve risk by being manually monitored analysis
The timeliness of detection.
Further, referring to the first refinement flow diagram that Fig. 4, Fig. 4 are step S20 in first embodiment of the invention.
In the present embodiment, the company information includes industrial and commercial modification information, and step S20 includes:
Step S21 determines the change type of corresponding industrial and commercial sub- index according to the industrial and commercial modification information；
Step S22 divides each sub- index of industry and commerce according to the change type of the sub- index of industry and commerce, is divided into front
Index and negative index.
In the present embodiment, company information includes industrial and commercial modification information, terminal when getting industrial and commercial modification information, according to
The industry and commerce modification information determines the change type of the corresponding sub- index of industry and commerce.Since industrial and commercial information generally comprises enterprise name, note
The information such as volume capital, the type of business, registered address, business scope and legal representative, corresponding, industrial and commercial index may include enterprise
Title index, registered capital index, type of business index, registered address index, business scope index and legal representative's index
Etc. multiple sub- indexs of industry and commerce.Since the change of certain industrial and commercial information can imply corresponding risk, it need to be changed according to industry and commerce
Information determines the change type of the corresponding sub- index of industry and commerce.For example, when registered capital is changed, then according to the increase of registered capital
Or the change type that situation determines registered capital index is reduced, and if registered capital increases, the change class of registered capital index
Type can be denoted as capital addition；If registered capital reduces, the change type of registered capital index can be denoted as capital reduction.
For another example when legal representative is changed, it is determined that the change type of legal representative's index is legal representative's change.
Then, each sub- index of industry and commerce is divided according to the change type of the sub- index of the industry and commerce, is divided into positive index
With negative index.For example, if the change type of registered capital index is capital addition, registered capital can be referred in above-mentioned example
It marks this industrial and commercial sub- index and is divided into positive index；If the change type of registered capital index is capital reduction, can will register
This industrial and commercial sub- index of capital index is divided into negative index；If the change type of legal representative's index is legal representative's change
When more, then legal representative's index can be divided into negative index at this industrial and commercial sub- index.
Further, referring to the second refinement flow diagram that Fig. 5, Fig. 5 are step S20 in first embodiment of the invention.
In the present embodiment, the company information further includes financial report information in borrowing preceding financial report information and borrowing, and step S20 is also wrapped
It includes:
Step S23 is obtained before borrowing in financial report index and loan according to financial report information in financial report information before the loan and loan respectively
Financial report index；
In the present embodiment, company information further includes financial report information in borrowing preceding financial report information and borrowing, and terminal is getting this
In borrowing preceding financial report information and borrowing when financial report information, financial report index before borrowing is calculated according to financial report information before borrowing, while according to loan
Middle financial report information borrowed in financial report index.Wherein, financial report information and financial report information includes that management data, assets are negative in borrowing before borrowing
One of debt table, profit flow table and cash flow statement are a variety of, borrow before financial report index and borrow in financial report index include into deposit ratio, return
One of money rate, short-term solvency, long-term pay ability, operation ability, profitability and business growth ability or a variety of financial reports
Sub- index.
Wherein, management data includes goods entry, stock and sales data and returned money data, and goods entry, stock and sales data include stocking up total amount, sale always
The amount of money and stock total amount, returned money data include returned money total amount, can be calculated according to goods entry, stock and sales data and returned money data into depositing ratio
With returned money rate, into depositing than for the ratio stocked up between total amount and returned money total amount, returned money rate is sale total amount and returned money
Ratio between total amount.
Calculating for short-term solvency, long-term pay ability, operation ability, profitability and business growth ability, can root
According to the relevant parameter obtained in balance sheet, profit flow table and cash flow statement, calculated by corresponding publicity.
Wherein, short-term solvency can be based on working capital, liquidity ratio, current rate, cash ratio and corporate payments
One or more indexs in capacity factor are characterized；Long-term pay ability can be based on asset-liability ratio, equity ratio, have
One or more indexs in shape net value debt ratio, interest reimbursemen multiple and fixed expenditure reimbursemen multiple are characterized；Operation energy
Power can be carried out based on one or more indexs in total assets output value rate, total assets income rate and total assets turnover rate
Characterization；Profitability, can be based on one in gross profit margin on sales, net profit on sales rate, return on total assets and net assets income ratio
Or many index is characterized；Business growth ability, can be based on main business growth rate, main management profit growth rate and net profit growth rate
In one or more indexs characterized.The calculating of above-mentioned each index can refer to the prior art, not repeat herein.If being based on
When many index is characterized, then it can use the average value of indices as short-term solvency.
Financial report index before the loan and financial report index in the loan are compared, obtain the change of financial report index by step S24
Change information；
Be calculated borrow before financial report index and in borrowing after financial report index, before borrowing financial report index and in borrowing financial report index into
Row comparison, obtains the change information of financial report index.Each financial report in comparing financial report index before borrowing and borrowing in financial report index
Size between index, to obtain the change information of the sub- index of each financial report.
Step S25 carries out the sub- index of each financial report in the financial report index according to the change information of the financial report index
It divides, is divided into positive index and negative index.
Then, the sub- index of each financial report in financial report index is divided according to the change information of financial report index, is divided into
Prove index and negative index.For example, the sub- index of the returned money rate financial report can be divided into positive index if returned money rate increases；
For another example the sub- index of the profitability financial report can be divided into negative index if profitability becomes smaller.
Further, flow diagram is refined referring to Fig. 6, Fig. 6 third for being step S20 in first embodiment of the invention.
In the present embodiment, the company information further includes debt-credit newly-added information, step S20 further include:
Step S26 determines the corresponding change type for borrowing or lending money sub- index according to the debt-credit newly-added information；
Step S27 divides each sub- index of debt-credit according to the change type of the sub- index of debt-credit, is divided into front
Index and negative index.
In the present embodiment, company information further include debt-credit newly-added information, terminal when getting the debt-credit newly-added information,
The corresponding change type for borrowing or lending money sub- index is determined according to the debt-credit newly-added information.Wherein, borrowing or lending money sub- index may include debt-credit gold
Volume index and refund index etc..For example, when detecting that client has newly-gained loan according to debt-credit newly-added information, credit amount index
Change type can be identified as loan value increase；For another example refund refers to if detect that client refunds according to debt-credit newly-added information on time
Target change type can be identified as refunding on schedule；If detecting the overdue refund of client according to debt-credit newly-added information, refund index
Change type can be identified as overdue refund.
Then, each sub- index of debt-credit is divided according to the change type for borrowing or lending money sub- index, be divided into positive index and
Negative index.For example, if the change type of credit amount index is loan value increase, credit amount can be referred in above-mentioned example
Mark is divided into negative index；If the change type of refund index is to refund on schedule, refund index can be divided into positive index；
If the change type of refund index is overdue refund, refund index can be divided into negative index.
Further, referring to the 4th refinement flow diagram that Fig. 7, Fig. 7 are step S20 in first embodiment of the invention.
In the present embodiment, the company information further includes borrowing preceding risk information and borrowing risk information, and step S20 is also wrapped
It includes:
Step S28 obtains the change information of risk indicator according to risk information before the loan and loan risk information；
Step S29 carries out the sub- index of each risk in the risk indicator according to the change information of the risk indicator
It divides, is divided into positive index and negative index.
In the present embodiment, company information further includes borrowing preceding risk information and borrowing risk information, and terminal is getting loan
When preceding risk information and loan risk information, the variation of risk indicator can be obtained with risk information is borrowed according to risk information before borrowing
Information.Wherein, risk information and loan risk information may include lawsuit information and negative information, corresponding, risk before borrowing
Index may include lawsuit risk indicator and Downside Risk index this 2 sub- indexs of risk.For lawsuit risk indicator
Change information acquisition, can pass through character recognition technology identification borrow before lawsuit information and borrow after lawsuit letter
Breath, and then determine the change information of lawsuit risk indicator.It is defendant before borrowing for example, detecting in a certain case,
And becoming executed person of breaking one's promise in borrowing, the change information that the lawsuit risk indicator can be obtained is that defendant switchs to break one's promise
People.It for the change information of negative index, can be characterized, such as become more or tailed off according to the quantity of negative information；It can also be based on
The content of negative information is determined.
Then, the sub- index of each risk in risk indicator is divided according to the change information of risk indicator, is divided into
Positive index and negative index.For example, in above-mentioned example, it, can be by lawsuit risk indicator if switching to the people that breaks one's promise by defendant
It is divided into negative index；If negative information quantity is reduced, negative index can be divided into positive index.
Further, it is based on first embodiment shown in Fig. 2, after step S30, which is also wrapped
Include following steps:
Corresponding risk class is determined according to the risk score and default mapping table；
Corresponding loan risk warning information is generated according to the risk class, and the loan risk warning information is sent out
It send to corresponding lender terminal.
In the present embodiment, terminal is after calculating risk score, further according to the risk class and default mapping table
Determine corresponding risk class, wherein the default mapping table includes between different score ranges and different risk class
Mapping relations, it may be determined that the score range where the risk score, and then mapping table is preset according to this and determines risk class.
Then, corresponding loan risk warning information is generated according to the risk class, and the loan risk warning information is sent to pair
The lender terminal answered so that lender, i.e. loan platform can find the client there are risk in time, and takes corresponding act
It arranges, so as to reduce the operations risks of loan platform.
The present invention also provides a kind of loan risk points-scoring systems, which includes memory, processor
And the loan risk scoring procedures that is stored on the memory and can run on the processor, the loan risk scoring
The step of loan risk methods of marking as described in any of the above item embodiment is realized when program is executed by the processor.
The specific embodiment of present invention loan risk points-scoring system and above-mentioned each embodiment of loan risk methods of marking are basic
Identical, therefore not to repeat here.
The present invention also provides a kind of computer readable storage medium, loan apoplexy is stored on the computer readable storage medium
Dangerous scoring procedures, it is described to borrow in the loan realized when risk scoring procedures are executed by processor as described in any of the above item embodiment
The step of risk score method.
The specific embodiment of computer readable storage medium of the present invention and each embodiment base of above-mentioned loan risk methods of marking
This is identical, and therefore not to repeat here.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of loan risk methods of marking, which is characterized in that the loan risk methods of marking the following steps are included:
When receiving loan risk scoring request, the acquisition loan risk, which scores, requests the company information of corresponding enterprise；
The change information of corresponding business indicators is obtained according to the company information, and according to the change information of the business indicators
The business indicators are divided, positive index and negative index are divided into；
Risk score is calculated by preset rules according to the type and its quantity of the positive index and negative index.
2. borrowing risk methods of marking as described in claim 1, which is characterized in that the company information includes industrial and commercial change letter
Breath, the change information that corresponding business indicators are obtained according to the company information, and according to the change information to described
The step of business indicators are divided, and positive index and negative index are divided into include:
The change type of corresponding industrial and commercial sub- index is determined according to the industrial and commercial modification information；
Each sub- index of industry and commerce is divided according to the change type of the sub- index of industry and commerce, be divided into positive index and is negatively referred to
Mark.
3. borrowing risk methods of marking as described in claim 1, which is characterized in that the company information further includes borrowing preceding financial report
Financial report information in information and loan, the change information that corresponding business indicators are obtained according to the company information, and according to institute
The step of stating change information to divide the business indicators, being divided into positive index and negative index further include:
Financial report index and financial report index in loan before borrowing are obtained according to financial report information in financial report information before the loan and loan respectively；
Financial report index before the loan and financial report index in the loan are compared, the change information of financial report index is obtained；
The sub- index of each financial report in the financial report index is divided according to the change information of the financial report index, division is positive
Face index and negative index.
4. borrowing risk methods of marking as claimed in claim 3, which is characterized in that financial report information and financial report in loan before the loan
Information includes one of management data, balance sheet, profit flow table and cash flow statement or a variety of, financial report index before the loan
With financial report index in loan include into deposit ratio, returned money rate, short-term solvency, long-term pay ability, operation ability, profitability and
One of business growth ability or the sub- index of a variety of financial reports.
5. borrowing risk methods of marking as described in claim 1, which is characterized in that the company information further includes that debt-credit is newly-increased
Information, the change information that corresponding business indicators are obtained according to the company information, and according to the change information to institute
The step of stating business indicators to be divided, being divided into positive index and negative index further include:
The corresponding change type for borrowing or lending money sub- index is determined according to the debt-credit newly-added information；
Each sub- index of debt-credit is divided according to the change type of the sub- index of debt-credit, positive index is divided into and negatively refers to
Mark.
6. borrowing risk methods of marking as described in claim 1, which is characterized in that the company information further includes borrowing preceding risk
Information and loan risk information, the change information that corresponding business indicators are obtained according to the company information, and according to institute
The step of stating change information to divide the business indicators, being divided into positive index and negative index further include:
The change information of risk indicator is obtained according to risk information before the loan and loan risk information；
The sub- index of each risk in the risk indicator is divided according to the change information of the risk indicator, division is positive
Face index and negative index.
7. borrowing risk methods of marking as described in claim 1, which is characterized in that described according to the positive index and negative
The step of risk score is calculated by preset rules in the type and its quantity of index include:
The first positive index score and first is calculated according to the type and its quantity of the positive index and negative index negatively to refer to
Mark score；
Judge whether the described first positive index score is greater than default positive index score, obtains the first judging result, and according to
First judging result obtains the corresponding second positive index score；
Judge whether the described first negative index score is greater than and preset negative index score, obtains the second judging result, and according to
Second judging result obtains corresponding second negative index score；
Described second positive index score and the second negative index score are summed up, risk score is obtained.
8. the loan risk methods of marking as described in any one of claims 1 to 7, which is characterized in that the loan risk is commented
Divide method further include:
Corresponding risk class is determined according to the risk score and default mapping table；
Corresponding loan risk warning information is generated according to the risk class, and the loan risk warning information is sent to
Corresponding lender terminal.
9. a kind of loan risk points-scoring system, which is characterized in that the loan risk points-scoring system includes: memory, processor
And the loan risk scoring procedures that is stored on the memory and can run on the processor, the loan risk scoring
It realizes when program is executed by the processor such as the step of loan risk methods of marking described in any item of the claim 1 to 8.
10. a kind of computer readable storage medium, which is characterized in that be stored with loan apoplexy on the computer readable storage medium
Dangerous scoring procedures are realized when the loan risk scoring procedures are executed by processor as described in any item of the claim 1 to 8
The step of borrowing risk methods of marking.
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