CN109345372A - Credit-graded approach, system and computer readable storage medium - Google Patents
Credit-graded approach, system and computer readable storage medium Download PDFInfo
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- CN109345372A CN109345372A CN201811036182.2A CN201811036182A CN109345372A CN 109345372 A CN109345372 A CN 109345372A CN 201811036182 A CN201811036182 A CN 201811036182A CN 109345372 A CN109345372 A CN 109345372A
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Abstract
The invention discloses a kind of credit-graded approaches.The credit-graded approach includes: when receiving credit scoring request, according to the essential information of credit scoring request enterprise, financial report information, loan information and risk information；Corresponding basic index item score value and financial report index item score value are obtained according to the essential information, financial report information and the first default mapping table；Debt-credit index item score value and risk indicator item score value are obtained by the first preset rules according to the loan information, risk information；The credit scoring of enterprise is calculated according to the basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value.The invention also discloses a kind of credit scoring system and computer readable storage mediums.The present invention can be improved the accuracy of rating business credit result.
Description
Technical field
The present invention relates to financial technology field more particularly to a kind of credit-graded approaches, system and computer-readable storage
Medium.
Background technique
Perfect with China market economic system, business standing has been increasingly becoming the important base of socio-economic development
Plinth, in a sense for, Modern Market Economy actually has become a kind of " credit economy ".In all kinds of form of credit,
Business standing is the core in credit economy tie, therefore, the credit of research and assessment enterprise, the sound development to China's economy
With particularly important realistic meaning.Currently, being mainly based upon the financial situation and reference of enterprise for the assessment of business standing
Report is come what is carried out, and the dimension for the assessment information being based on is more single, and source narrow range leads to rating business credit result
Accuracy it is poor.
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 credit-graded approach, system and computer readable storage medium, purports
In the accuracy for improving rating business credit result.
To achieve the above object, the present invention provides a kind of credit-graded approach, and the credit-graded approach includes:
When receiving credit scoring request, the essential information of enterprise, wealth are corresponded to according to the credit scoring request
It notifies breath, loan information and risk information；
Corresponding basic index item score value is obtained according to the essential information, financial report information and the first default mapping table
With financial report index item score value；
Debt-credit index item score value and risk indicator item are obtained by the first preset rules according to the loan information, risk information
Score value；
According to the basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value
The credit scoring of enterprise is calculated.
Optionally, the essential information includes industrial and commercial information and management data, the financial report information include balance sheet,
Profit flow table and cash flow statement, it is described to be corresponded to according to the essential information, financial report information and the first default mapping table
Basic index item score value and financial report index item score value the step of, comprising:
Regional information, registered capital information and the type of business information in the enterprise name in the industrial and commercial information are extracted,
And corresponding enterprise is obtained according to the regional information, registered capital information, type of business information and the first default mapping table
Industry title score value, registered capital score value and type of business score value；
According in the industrial and commercial information business scope and the management data obtain into depositing score by the second preset rules
Value and returned money rate score value；
To the enterprise name score value, registered capital score value, type of business score value, into deposit than score value and returned money rate score value into
Row adduction, obtains basic index item score value；
The short-term solvency, long-term of enterprise is calculated according to the balance sheet, profit flow table and cash flow statement
Debt paying ability, operation ability, profitability and business growth ability；
It is pre- according to the short-term solvency, long-term pay ability, operation ability, profitability, business growth ability and first
If mapping table obtains corresponding short-term solvency score value, long-term pay ability score value, operation ability score value, profitability
Score value and business growth ability score value；
To the short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value and at
Long ability score value sums up, and obtains financial report index item score value.
Optionally, the business scope according in the industrial and commercial information and the management data are obtained by the second preset rules
To into the step of depositing than score value and returned money rate score value, comprising:
According in the management data information goods entry, stock and sales data and returned money data calculate the first of enterprise into depositing than with the
One returned money rate；
Obtains the second of correspondence marketing enterprises from presetting database into depositing according to the business scope in the industrial and commercial information
Than with the second returned money rate, and according to described second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate into depositing
Than score value and returned money rate score value.
Optionally, the loan information includes reference report and third party's loan report, and the risk information includes law
Actionable information and negative information, it is described that debt-credit index item is obtained by the first preset rules according to the loan information, risk information
The step of score value and risk indicator item score value, comprising:
Overdue information is obtained according to reference report and third party's loan report, and whether detect the overdue information full
Foot presets overdue condition；
Determining corresponding debt-credit index item according to testing result should deduct points value, and should be deducted points value according to the debt-credit index item
Debt-credit index item score value is obtained with default debt-credit index item score value；
Referred to according to the quantity and its respective default risk factor calculation risk of the lawsuit information and negative information
Mark item should deduct points value, and should deduct points value according to the risk indicator item and default risk indicator item score value obtains risk indicator item and divides
Value.
Optionally, the credit-graded approach further include:
Mapping table, which is preset, according to the credit scoring and third determines corresponding credit grade；
Corresponding credit suggestion report, the credit suggestion report are exported according to the credit grade and the financial report information
Content include at least the accrediting amount and credit time limit.
In addition, to achieve the above object, the present invention also provides a kind of credit scoring system, the credit scoring system packet
It includes: memory, processor and being stored in the credit scoring program that can be run on the memory and on the processor, it is described
Credit scoring program performs the steps of when being executed by the processor
When receiving credit scoring request, the essential information of enterprise, wealth are corresponded to according to the credit scoring request
It notifies breath, loan information and risk information；
Corresponding basic index item score value is obtained according to the essential information, financial report information and the first default mapping table
With financial report index item score value；
Debt-credit index item score value and risk indicator item are obtained by the first preset rules according to the loan information, risk information
Score value；
According to the basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value
The credit scoring of enterprise is calculated.
Optionally, the essential information includes industrial and commercial information and management data, the financial report information include balance sheet,
Profit flow table and cash flow statement, the credit scoring program also perform the steps of when being executed by the processor
Regional information, registered capital information and the type of business information in the enterprise name in the industrial and commercial information are extracted,
And corresponding enterprise is obtained according to the regional information, registered capital information, type of business information and the first default mapping table
Industry title score value, registered capital score value and type of business score value；
According in the industrial and commercial information business scope and the management data obtain into depositing score by the second preset rules
Value and returned money rate score value；
To the enterprise name score value, registered capital score value, type of business score value, into deposit than score value and returned money rate score value into
Row adduction, obtains basic index item score value；
The short-term solvency, long-term of enterprise is calculated according to the balance sheet, profit flow table and cash flow statement
Debt paying ability, operation ability, profitability and business growth ability；
It is pre- according to the short-term solvency, long-term pay ability, operation ability, profitability, business growth ability and first
If mapping table obtains corresponding short-term solvency score value, long-term pay ability score value, operation ability score value, profitability
Score value and business growth ability score value；
To the short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value and at
Long ability score value sums up, and obtains financial report index item score value.
Optionally, it is also performed the steps of when the credit scoring program is executed by the processor
According in the management data information goods entry, stock and sales data and returned money data calculate the first of enterprise into depositing than with the
One returned money rate；
Obtains the second of correspondence marketing enterprises from presetting database into depositing according to the business scope in the industrial and commercial information
Than with the second returned money rate, and according to described second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate into depositing
Than score value and returned money rate score value.
Optionally, the loan information includes reference report and third party's loan report, and the risk information includes law
Actionable information and negative information, the credit scoring program also perform the steps of when being executed by the processor
Overdue information is obtained according to reference report and third party's loan report, and whether detect the overdue information full
Foot presets overdue condition；
Determining corresponding debt-credit index item according to testing result should deduct points value, and should be deducted points value according to the debt-credit index item
Debt-credit index item score value is obtained with default debt-credit index item score value；
Referred to according to the quantity and its respective default risk factor calculation risk of the lawsuit information and negative information
Mark item should deduct points value, and should deduct points value according to the risk indicator item and default risk indicator item score value obtains risk indicator item and divides
Value.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Credit scoring program is stored on storage medium, the credit scoring program realizes credit as described above when being executed by processor
The step of methods of marking.
The present invention provides a kind of credit-graded approach, system and computer readable storage medium, is receiving credit scoring
When request, the essential information of enterprise, financial report information, loan information and risk information are corresponded to according to the credit scoring request；
Then, terminal obtains corresponding basic index item score value according to the essential information, financial report information and the first default mapping table
With financial report index item score value；Debt-credit index item score value and risk are obtained by the first preset rules according to loan information, risk information
Index item score value；Finally, terminal refers to according to basic index item score value, financial report index item score value, debt-credit index item score value and risk
The credit scoring of enterprise is calculated in mark item score value.The present invention considers essential information, financial report information, loan information and risk letter
The assessment information of multiple dimensions is ceased the credit scoring of enterprise is calculated, so that the accurate of rating business credit result can be improved
Property.
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 of credit-graded approach first embodiment of the present invention；
Fig. 3 is the refinement flow diagram of step S30 in first embodiment of the invention；
Fig. 4 is the refinement flow diagram of step S20 in first embodiment of the invention；
Fig. 5 is the flow diagram of credit-graded approach second embodiment of the present 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.
Due in the prior art, being mainly based upon the financial situation of enterprise for the assessment of business standing and reference reported and
It carries out, the dimension for the assessment information being based on is more single, and source narrow range leads to the accurate of rating business credit result
Property is poor.
In order to solve the above technical problem, the present invention provides a kind of credit-graded approach, system and computer-readable storages
Medium corresponds to the essential information of enterprise according to the credit scoring request, financial report is believed when receiving credit scoring request
Breath, loan information and risk information；Then, terminal is obtained according to the essential information, financial report information and the first default mapping table
To corresponding basic index item score value and financial report index item score value；It is obtained according to loan information, risk information by the first preset rules
To debt-credit index item score value and risk indicator item score value；Finally, terminal according to basic index item score value, financial report index item score value,
The credit scoring of enterprise is calculated in debt-credit index item score value and risk indicator item score value.The present invention considers essential information, wealth
The assessment information of breath, loan information and the multiple dimensions of risk information of notifying is calculated the credit scoring of enterprise, so as to mention
The accuracy of high rating business credit result.
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 credit scoring program.
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 credit scoring program stored in memory 1005, and execute following operation:
When receiving credit scoring request, the essential information of enterprise, wealth are corresponded to according to the credit scoring request
It notifies breath, loan information and risk information；
Corresponding basic index item score value is obtained according to the essential information, financial report information and the first default mapping table
With financial report index item score value；
Debt-credit index item score value and risk indicator item are obtained by the first preset rules according to the loan information, risk information
Score value；
According to the basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value
The credit scoring of enterprise is calculated.
Further, the essential information includes industrial and commercial information and management data, and the financial report information includes asset-liabilities
Table, profit flow table and cash flow statement, processor 1001 can call the credit scoring program stored in memory 1005, also execute
It operates below:
Regional information, registered capital information and the type of business information in the enterprise name in the industrial and commercial information are extracted,
And corresponding enterprise is obtained according to the regional information, registered capital information, type of business information and the first default mapping table
Industry title score value, registered capital score value and type of business score value；
According in the industrial and commercial information business scope and the management data obtain into depositing score by the second preset rules
Value and returned money rate score value；
To the enterprise name score value, registered capital score value, type of business score value, into deposit than score value and returned money rate score value into
Row adduction, obtains basic index item score value；
The short-term solvency, long-term of enterprise is calculated according to the balance sheet, profit flow table and cash flow statement
Debt paying ability, operation ability, profitability and business growth ability；
It is pre- according to the short-term solvency, long-term pay ability, operation ability, profitability, business growth ability and first
If mapping table obtains corresponding short-term solvency score value, long-term pay ability score value, operation ability score value, profitability
Score value and business growth ability score value；
To the short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value and at
Long ability score value sums up, and obtains financial report index item score value.
Further, processor 1001 can call the credit scoring program stored in memory 1005, also execute following
Operation:
According in the management data information goods entry, stock and sales data and returned money data calculate the first of enterprise into depositing than with the
One returned money rate；
Obtains the second of correspondence marketing enterprises from presetting database into depositing according to the business scope in the industrial and commercial information
Than with the second returned money rate, and according to described second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate into depositing
Than score value and returned money rate score value.
Further, the loan information includes reference report and third party's loan report, and the risk information includes method
Rule actionable information and negative information, processor 1001 can call the credit scoring program stored in memory 1005, also execute
It operates below:
Overdue information is obtained according to reference report and third party's loan report, and whether detect the overdue information full
Foot presets overdue condition；
Determining corresponding debt-credit index item according to testing result should deduct points value, and should be deducted points value according to the debt-credit index item
Debt-credit index item score value is obtained with default debt-credit index item score value；
Referred to according to the quantity and its respective default risk factor calculation risk of the lawsuit information and negative information
Mark item should deduct points value, and should deduct points value according to the risk indicator item and default risk indicator item score value obtains risk indicator item and divides
Value.
Further, processor 1001 can call the credit scoring program stored in memory 1005, also execute following
Operation:
Mapping table, which is preset, according to the credit scoring and third determines corresponding credit grade；
Corresponding credit suggestion report, the credit suggestion report are exported according to the credit grade and the financial report information
Content include at least the accrediting amount and credit time limit.
Based on above-mentioned hardware configuration, each embodiment of credit-graded approach of the present invention is proposed.
The present invention provides a kind of credit-graded approach.
It is the flow diagram of credit-graded approach first embodiment of the present invention referring to Fig. 2, Fig. 2.
In the present embodiment, which includes:
Step S10 corresponds to the basic of enterprise according to the credit scoring request when receiving credit scoring request
Information, financial report information, loan information and risk 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.
Terminal receive credit scoring request when, according to the credit scoring request correspond to enterprise essential information,
Financial report information, loan information and risk information.Wherein, which includes industrial and commercial information and management data, and industrial and commercial information can
It is obtained by corresponding interface from national credit information of enterprise publicity system etc., management data obtains after being reported by client or work
Make personnel on site and acquire acquisition, the management data can be inputted when triggering credit scoring request, therefore, which can be from this
It is obtained in credit scoring request.Financial report information includes balance sheet, profit flow table and cash flow statement, is obtained after being reported by client
It obtains or staff's collection in worksite obtains, the balance sheet, profit flow table and cash can be inputted when triggering credit scoring request
Flowmeter, therefore, the financial report information can be obtained from credit scoring request.Loan information includes that reference report and third party borrow
Report is borrowed, can be obtained by corresponding interface from corresponding system or database.Risk information includes lawsuit information and bears
Face information, lawsuit information can carry out inquiry acquisition from relevant government website, and negative information can be from presetting database
It is obtained, which is to obtain and extract the negative information building of each enterprise from major website based on crawler technology
It obtains, can be crawled every preset time (such as 1 day), and update the presetting database.
Step S20 obtains corresponding basic finger according to the essential information, financial report information and the first default mapping table
Mark item score value and financial report index item score value；
Then, terminal obtains corresponding basic finger according to the essential information, financial report information and the first default mapping table
Mark item score value and financial report index item score value.Wherein, the essential information includes industrial and commercial information and management data, the financial report information
Including balance sheet, profit flow table and cash flow statement.Specifically, basic index item score value obtains process are as follows: extract the work
The regional information in enterprise name, registered capital information and type of business information in quotient's information, and according to regional information, registration
Capital information, type of business information and the first default mapping table obtain corresponding enterprise name score value, registered capital score value
With type of business score value；Then, it is obtained with the management data by the second preset rules according to the business scope in the industry and commerce information
Into depositing than score value and returned money rate score value；To enterprise name score value, registered capital score value, type of business score value, into depositing than score value and
Returned money rate score value sums up, and basic index item score value, i.e. basic index item score value=enterprise name score value+registration can be obtained
Capital score value+type of business score value+into depositing than score value+returned money rate score value.Financial report index item score value obtains process are as follows: according to money
Produce liability account, profit flow table and cash flow statement obtain corresponding parameter, and then the short-term solvency, long-term of enterprise is calculated
Debt paying ability, operation ability, profitability and business growth ability；Then, according to short-term solvency, long-term pay ability, operation
Ability, profitability, business growth ability and the first default mapping table obtain corresponding short-term solvency score value, long-term payment of debts
Ability score value, operation ability score value, profitability score value and business growth ability score value.To short-term solvency score value, long-term payment of debts
Ability score value, operation ability score value, profitability score value and business growth ability score value sum up, and financial report index item point can be obtained
Value, i.e. financial report index item score value=short-term solvency score value+long-term pay ability score value+operation ability score value+profitability
Score value+business growth ability score value.
Step S30 obtains debt-credit index item score value and wind by the first preset rules according to the loan information, risk information
Dangerous index item score value；
Terminal obtains debt-credit index item score value and risk indicator item by the first preset rules according to loan information, risk information
Score value.Wherein, the loan information includes reference report and third party's loan report, and the risk information includes lawsuit letter
Breath and negative information include: referring to Fig. 3, step S30
Step S31 obtains overdue information according to reference report and third party's loan report, and detects the overdue letter
Whether breath, which meets, is preset overdue condition；
When getting loan information (including reference report and third party's loan report), character recognition technology pair can be passed through
Reference report and third party's loan report carry out Text region, acquire overdue information, and then detect whether to meet default pre-
Phase condition.Due to regardless of there are " even three " still " tired six ", can all influence to provide a loan in loan.Wherein " even three " refer to continuous
Overdue refund in three months, and " tired six " refer to accumulative six overdue refund.Therefore, which includes continuous three months
Overdue refund adds up six overdue refund.
Step S32 determines that corresponding debt-credit index item should deduct points value according to testing result, and according to the debt-credit index item
The value that should deduct points and default debt-credit index item score value obtain debt-credit index item score value；
If only meeting continuous overdue refund in three months to it according to overdue infomation detection, testing result is the presence of " even three "
Situation；If only being met according to overdue infomation detection to it and adding up six overdue refund, testing result is the presence of " tired six " situation；
If both having met continuous overdue refund in three months to it according to overdue infomation detection, while also meeting and adding up six overdue refund, then
Testing result is the presence of " even three tired six " situation；If being unsatisfactory for preset condition, testing result is nil case.Certainly, detection knot
Fruit further includes the number for various situations occur.Different situations can correspond to obstructed deduction of points score value, for example, if having " even three " situation
Or " tired six " situation, then detain 5 points；If there is " even three tired six " situation, 10 points are detained；If without " even three " situation or " tired six " situation,
It does not deduct points then.Terminal can determine that corresponding debt-credit index item should deduct points according to testing result (the case where occurring type and its number)
Value, for example, there is " even three " 2 times, then borrowing or lending money the index item value that should deduct points is that 5 × 2=10 divides, and then should be detained according to borrowing or lending money index item
Score value and default debt-credit index item score value obtain debt-credit index item score value, if the debt-credit index item should deduct points, value is less than or equal to pre-
If debt-credit index item score value, then borrowing or lending money index item score value=default debt-credit index item score value-debt-credit index item should deduct points value；If should
Debt-credit index item should deduct points value less than or equal to default debt-credit index item score value, then borrowing or lending money index item score value is 0.
Step S33, according to the quantity and its respective default risk factor meter of the lawsuit information and negative information
Calculating risk indicator item should deduct points value, and should deduct points value according to the risk indicator item and default risk indicator item score value obtains risk
Index item score value.
When getting risk information (including lawsuit information and negative information), according to the lawsuit information and bear
The quantity of face information and its respective default risk factor calculation risk index item should deduct points value, risk indicator item should deduct points value=
The default risk factor of quantity × the second of the default risk factor+negative information of quantity × the first of lawsuit information, wherein should
First, second default risk factor can be set according to actual needs, such as the first, second default risk factor can be divided into
2 and 1 are set as, i.e., every there are a lawsuit information buttons 2 to divide, and every there are a negative information buttons 1 to divide, if lawsuit information
Quantity and the quantity of negative information be respectively 3 and 2, value=3 × 2+2 × 1=8 points at this point, risk indicator item should deduct points.
Then, value should be deducted points according to the risk indicator item and default risk indicator item score value obtains risk indicator item score value, if the wind
The dangerous index item value that should deduct points is less than or equal to default risk indicator item score value, then risk indicator item score value=default risk indicator item
Score value-risk indicator item should deduct points value；If the risk indicator item should deduct points, value is less than or equal to default risk indicator item score value,
Risk indicator item score value is 0.
It should be noted that the execution sequence of step S20 and step S30 are in no particular order.
Step S40 refers to according to the basic index item score value, financial report index item score value, debt-credit index item score value and risk
The credit scoring of enterprise is calculated in mark item score value.
Finally, terminal is according to basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item
The credit scoring of enterprise is calculated in score value.The credit scoring can be basic index item score value, financial report index item score value, debt-credit
The sum of index item score value and risk indicator item score value.Credit scoring is higher, illustrates that business standing is better, credit rating of enterprise
It is higher.
The embodiment of the present invention provides a kind of credit-graded approach, when receiving credit scoring request, is commented according to the credit
Request is divided to correspond to the essential information of enterprise, financial report information, loan information and risk information；Then, terminal is basic according to this
Information, financial report information and the first default mapping table obtain corresponding basic index item score value and financial report index item score value；Root
Debt-credit index item score value and risk indicator item score value are obtained by the first preset rules according to loan information, risk information；Finally, terminal
Enterprise is calculated according to basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value
Credit scoring.The present invention considers the assessment information of essential information, financial report information, loan information and the multiple dimensions of risk information
The credit scoring of enterprise is calculated, so that the accuracy of rating business credit result can be improved.
It further, is the refinement flow diagram of step S20 in first embodiment of the invention referring to Fig. 4, Fig. 4.At this
In embodiment, step S20 includes:
Step S21 extracts regional information, registered capital information and enterprise-class in the enterprise name in the industrial and commercial information
Type information, and obtained pair according to the regional information, registered capital information, type of business information and the first default mapping table
Enterprise name score value, registered capital score value and the type of business score value answered；
In the present embodiment, after the industrial and commercial information for getting the enterprise by corresponding interface, industrial and commercial information is general
Including information such as enterprise name, registered capital, the type of business, registered address, business scope and legal representatives, due to enterprise's name
Title, registered capital, the type of business can react the basic condition of the enterprise to a certain extent, therefore, can according to this 3 information into
Row one scoring.
Specifically, extracting the regional information in the enterprise name in the industry and commerce information, registered capital information and the type of business
Then information is corresponded to according to this area's information, registered capital information, type of business information and the first default mapping table
Enterprise name score value, registered capital score value and type of business score value.It include different type in the first default mapping table
Area name and enterprise name score value between mapping relations, the registered capital of different amount of money ranges and registered capital score value it
Between mapping relations, the mapping relations between the different type of business and type of business score value.
For example, if with China in enterprise name, corresponding enterprise name score value is 5 points；If with provincial in enterprise name
City or prefecture-level city's enterprise name (such as Beijing, Shenzhen), corresponding enterprise name score value are 3 points；If at county level in enterprise name
City's enterprise name (such as Huizhou), corresponding enterprise name score value are 0 point.At this point, the grade can be determined according to regional information, thus
Obtain enterprise name score.
For another example registered capital, at 2,000,000 or more, corresponding business capital score value is 10 points；Registered capital is in 100-200
Wan Shi, corresponding business capital score value are 5 points.At this point, determining its corresponding range according to the registered capital information extracted, in turn
It can determine corresponding business capital score.
The type of business includes Co., Ltd, limited liability company, limited partnership, wholly foreign-owned company, individual
Sole Proprietorship, enterprise solely funded by the State and other, can be closed according to the obtained type of business of extraction, and then according to the first default mapping
It is that table determines corresponding type of business score.
Step S22, according in the industrial and commercial information business scope and the management data obtain by the second preset rules
Into depositing than score value and returned money rate score value；
Then, according in the industry and commerce information business scope and the management data obtain into depositing score by the second preset rules
Value and returned money rate score value.Specifically, step S22 includes:
Step a, according in the management data information goods entry, stock and sales data and returned money data calculate the first of enterprise into depositing
Than with the first returned money rate；
Step b obtains the of correspondence marketing enterprises according to the business scope in the industrial and commercial information from presetting database
Two into deposit than with the second returned money rate, and according to described second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate
To into depositing than score value and returned money rate score value.
First according in the management data information goods entry, stock and sales data and returned money data calculate the first of enterprise into depositing than with the
One returned money rate, wherein goods entry, stock and sales data include back including total amount of stocking up, sale total amount and stock total amount, returned money data
Money total amount, this is first into the ratio stocked up between total amount and returned money total amount deposited than being denoted as the enterprise, the first returned money rate
For the ratio between sale total amount and returned money total amount.
Then according to the business scope in the industry and commerce information obtained from presetting database the second of corresponding marketing enterprises into
Deposit than with the second returned money rate, and according to second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate into depositing ratio
Score value and returned money rate score value.Its object is to obtain the data of the marketing enterprises of same business scope, with the data of marketing enterprises
For full marks, corresponding code of points is then set, the data of the data of enterprise and marketing enterprises are then compared into scoring.Example
Such as, the second of corresponding marketing enterprises is got into when depositing than for 5:1, then into score value corresponding when depositing than for 5:1 as full marks 5
Point, with 1:1 for 0 point, so as to set into depositing than x range as 4:1 < x < 5:1,3:1 < x≤4:1,2:1 < x≤3:1,1:1
Corresponding score value is respectively 4 points, 3 points, 2 points, 1 point when < x≤2:1.If the first of enterprise into when depositing than for 3:1, corresponding
It is 2 points into depositing than score value.For another example being then with returned money rate when the second returned money rate for getting corresponding marketing enterprises is 80%
Corresponding score value is that full marks 5 divide when 80%, and corresponding score value is 0 point when with returned money rate being 0, so as to set the model of returned money rate y
It encloses for 60% < y < 80%, when 40% < y≤60%, 20% < y≤40%, 0 < y≤20%, corresponding score value was respectively 4
Point, 3 points, 2 points, 1 point.If the first returned money rate of enterprise is 55%, corresponding returned money rate score value is 3 points.Certainly, above-mentioned example
The setting of middle code of points is only one of setting means, can specifically be set according to actual needs.
Step S23, to the enterprise name score value, registered capital score value, type of business score value, into depositing than score value and returned money
Rate score value sums up, and obtains basic index item score value；
To enterprise name score value, registered capital score value, type of business score value, add than score value and returned money rate score value into depositing
With basic index item score value, i.e. basic index item score value=enterprise name score value+registered capital score value+enterprise-class can be obtained
Type score value+into depositing than score value+returned money rate score value.
The short-term payment of debts energy of enterprise is calculated according to the balance sheet, profit flow table and cash flow statement by step S24
Power, long-term pay ability, operation ability, profitability and business growth ability；
Terminal can be obtained corresponding financial report according to financial report information and refer to after according to credit scoring request to financial report information
Mark, financial report index can include but is not limited to: the short-term solvency of enterprise, long-term pay ability, operation ability, profitability
And management ability.Wherein, which includes balance sheet, profit flow table and cash flow statement, can according to balance sheet,
Profit flow table and cash flow statement obtain corresponding parameter, to calculate separately short-term solvency according to preset formula, repay for a long time
Debt ability, operation ability, profitability and business growth ability.Specifically, the acquisition modes of each financial report index are as follows:
Short-term solvency refers to the ability that enterprise repays current liability with current assets, and the reimbursemen of reflection enterprise is daily to expire
The strength of debt.It can be calculated according to the related data in balance sheet, specifically, enterprise's short-term solvency can be based on
One or more indexs in working capital, liquidity ratio, current rate, cash ratio and corporate payments capacity factor carry out table
If sign can use the average value of indices as short-term solvency characterized based on many index.Wherein, it operates
Fund=current assets-current liability, liquidity ratio=current assets/current liability × 100%, current rate=(flowing money
Production-stock)/current liability × 100%, cash ratio=money-capital/current liability × 100%, corporate payments capacity factor
Including two kinds of capacity factor in arrears and recent ability to pay coefficient, capacity factor=end of term money-capital/urgency in arrears
=can be used in the recent period pay the fund/fund for needing to pay in the recent period that needs payment, recent ability to pay coefficient.
Long-term pay ability refers to the ability that enterprise repays long-term debt, can be based on asset-liability ratio, equity ratio, tangible
One or more indexs in net value debt ratio, interest reimbursemen multiple and fixed expenditure reimbursemen multiple are characterized.Wherein, assets
Debt ratio=total liabilities/total assets × 100%, equity ratio=total liabilities/owner's equity total value × 100%, has
Shape net value debt ratio=total liabilities/(shareholder or owner's equity-intangible asset net value) × 100%, interest reimbursemen multiple=
(interest expense+pre-tax profit)/interest expense, fixed expenditure reimbursemen multiple=(pre-tax profit+fixation expenditure)/fixed expenditure.
Asset-liability ratio, equity ratio and tangible net worth debt ratio can be calculated according to the corresponding data in balance sheet, interest
Reimbursemen multiple and fixed expenditure reimbursemen multiple can be calculated according to the corresponding data in profit flow table.
Operation ability refers to the efficiency and benefit of enterprise operation assets, can be taken in based on total assets output value rate, total assets
One or more indexs in rate and total assets turnover rate are characterized, wherein the total assets output value rate=gross output value/average
Total assets × 100%, total assets income rate=total income/average total assets × 100%, total assets turnover rate=total turnover
Volume (total income)/average total assets × 100%.
Profitability refers to the ability of enterprise's earning profit, can be based on gross profit margin on sales, net profit on sales rate, total assets remuneration
One or more indexs in rate and net assets income ratio are characterized, wherein gross profit margin on sales=main business income-main management
Operating cost main business income × 100%, net profit on sales profit rate=net profit main business income × 100%, total assets are received
Beneficial rate=net profit total assets average balance × 100%, net assets income ratio=net profit (initial owner's equity+end of term institute
The person's of having equity)/2 × 100%, the capital maintenance appreciation rate=owner's equity end of term, owner's equity × 100% beginning.
Business growth ability is the analysis to enterprise's extension management ability, can be increased based on main business growth rate, main management profit
One or more indexs in rate and net profit growth rate are characterized, wherein main business growth rate=(the main management industry of current period
Business income-last issue main business income)/last issue main business income × 100%, main management profit growth rate=(current period main management
Operating income-last issue income from main operation)/last income from main operation ratio × 100%, net profit growth rate=(current
Net profit-last issue net profit)/last issue net profit × 100%.
Step S25, according to the short-term solvency, long-term pay ability, operation ability, profitability, business growth ability
With the first default mapping table obtain corresponding short-term solvency score value, long-term pay ability score value, operation ability score value,
Profitability score value and business growth ability score value；
Then, pre- according to short-term solvency, long-term pay ability, operation ability, profitability, business growth ability and first
If mapping table obtains corresponding short-term solvency score value, long-term pay ability score value, operation ability score value, profitability
Score value and business growth ability score value.Wherein, which further includes the different threshold ranges of different financial report indexs
With the mapping relations of corresponding financial report index score value.For example, if when long-term pay ability is characterized with asset-liability ratio, due to money
Producing debt ratio is 60% hereinafter, then showing that long-term pay ability is very strong, can set length in the first default mapping table at this time
The corresponding score value of phase debt paying ability≤60% is 5 points, and the corresponding score value of > 60% is 0 point.It is of course also possible to according to actual needs
Multiple threshold ranges are set, different scores is then corresponded in different threshold ranges, pass through model locating for each financial report index of determination
It encloses, obtains the score value of each financial report index.
Step S26, to the short-term solvency score value, long-term pay ability score value, operation ability score value, profitability
Score value and business growth ability score value sum up, and obtain financial report index item score value.
After the score value for obtaining every financial report index, the score value of every financial report index is summed up, financial report can be obtained
Index item score value, i.e. financial report index item score value=short-term solvency score value+long-term pay ability score value+operation ability score value+
Profitability score value+business growth ability score value.
It should be noted that execution between step S21-S23 and step S24-S26 sequence in no particular order.
It further, is the flow diagram of second embodiment of the invention referring to Fig. 5, Fig. 5.
Based on the above embodiment, after the step s 40, which can also include:
Step S50 presets mapping table according to the credit scoring and third and determines corresponding credit grade；
Step S60 exports corresponding credit suggestion according to the credit grade and the financial report information and reports, the credit
It is recommended that the content of report includes at least the accrediting amount and credit time limit.
In the present embodiment, after credit scoring is calculated, corresponding credit etc. can be determined according to the credit scoring
Grade, specifically, can according to where the credit scoring score range and third preset mapping table determine corresponding credit score
Grade, wherein it includes the mapping relations between different score ranges and different credit grades that the third, which presets mapping table,.Example
Such as, in the range of 80~100 points, credit grade is A grades for credit scoring.
Then, corresponding credit suggestion is exported according to the credit grade and financial report information to report, credit suggestion report
Content includes at least the accrediting amount and credit time limit.Wherein, the accrediting amount refers to that business bank is the short-term credit that client appraises and decides
The stock control index of business can be calculated according to the partial parameters of credit grade and financial report information, not make to have herein
Body discloses.The credit time limit refers to the time interval that enterprise allows client from purchase delivery on arrival payment for goods, and the determination in credit time limit is letter
With the important link of management, the purpose of the determination in credit time limit is that enterprise is allowed to obtain more profits.Since enterprise product is sold
There is certain dependences between amount and credit time limit, and therefore, the credit time limit can be based on the partial parameters in financial report information
It is calculated, is not made herein specifically open.In addition, can also export corresponding credit after obtaining credit scoring and comment
Divide report, the content of credit scoring report may include credit scoring and each index item score value.
The present invention also provides a kind of credit scoring system, which includes memory, processor and is stored in
On the memory and the credit scoring program that can run on the processor, the credit scoring program is by the processor
The step of credit-graded approach as described in any of the above item embodiment is realized when execution.
The specific embodiment of credit scoring system of the present invention and each embodiment of above-mentioned credit-graded approach are essentially identical, herein
It does not repeat.
The present invention also provides a kind of computer readable storage medium, creditable comment is stored on the computer readable storage medium
Branch realizes the credit-graded approach as described in any of the above item embodiment when the credit scoring program is executed by processor
The step of.
The specific embodiment of computer readable storage medium of the present invention and the basic phase of each embodiment of above-mentioned credit-graded approach
Together, 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 credit-graded approach, which is characterized in that the credit-graded approach the following steps are included:
When receiving credit scoring request, the essential information of enterprise is corresponded to according to the credit scoring request, financial report is believed
Breath, loan information and risk information；
Corresponding basic index item score value and wealth are obtained according to the essential information, financial report information and the first default mapping table
Report index item score value；
Debt-credit index item score value and risk indicator item point are obtained by the first preset rules according to the loan information, risk information
Value；
It is calculated according to the basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value
Obtain the credit scoring of enterprise.
2. credit-graded approach as described in claim 1, which is characterized in that the essential information includes industrial and commercial information and operation
Data, the financial report information include balance sheet, profit flow table and cash flow statement, described according to the essential information, financial report
Information and the first default mapping table obtain the step of corresponding basic index item score value and financial report index item score value, comprising:
Extract regional information, registered capital information and the type of business information in the enterprise name in the industrial and commercial information, and root
Corresponding enterprise's name is obtained according to the regional information, registered capital information, type of business information and the first default mapping table
Claim score value, registered capital score value and type of business score value；
According in the industrial and commercial information business scope and the management data obtain by the second preset rules into depositing than score value and
Returned money rate score value；
To the enterprise name score value, registered capital score value, type of business score value, add than score value and returned money rate score value into depositing
With obtain basic index item score value；
The short-term solvency of enterprise, long-term payment of debts is calculated according to the balance sheet, profit flow table and cash flow statement
Ability, operation ability, profitability and business growth ability；
It is reflected according to the short-term solvency, long-term pay ability, operation ability, profitability, business growth ability and first are default
It penetrates relation table and obtains corresponding short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value
With business growth ability score value；
To the short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value and growth energy
Power score value sums up, and obtains financial report index item score value.
3. credit-graded approach as claimed in claim 2, which is characterized in that described to manage model according in the industrial and commercial information
It encloses and is obtained by the second preset rules into the step of depositing than score value and returned money rate score value with the management data, comprising:
According in the management data information goods entry, stock and sales data and returned money data calculate enterprise first into deposit than with first time
Money rate；
According to the business scope in the industrial and commercial information is obtained from presetting database the second of correspondence marketing enterprises into deposit than with
Second returned money rate, and according to described second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate into depositing score
Value and returned money rate score value.
4. credit-graded approach as described in claim 1, which is characterized in that the loan information includes reference report and third
Square loan report, the risk information include lawsuit information and negative information, described to be believed according to the loan information, risk
The step of breath obtains debt-credit index item score value and risk indicator item score value by the first preset rules, comprising:
Obtain overdue information according to reference report and third party's loan report, and detect the overdue information whether meet it is pre-
If overdue condition；
Determining corresponding debt-credit index item according to testing result should deduct points value, and should be deducted points value and pre- according to the debt-credit index item
If debt-credit index item score value obtains debt-credit index item score value；
According to the quantity and its respective default risk factor calculation risk index item of the lawsuit information and negative information
Should deduct points value, and should deduct points value according to the risk indicator item and default risk indicator item score value obtains risk indicator item score value.
5. credit-graded approach according to any one of claims 1 to 4, which is characterized in that the credit-graded approach is also
Include:
Mapping table, which is preset, according to the credit scoring and third determines corresponding credit grade；
Corresponding credit suggestion report is exported according to the credit grade and the financial report information, the credit suggestion is reported interior
Hold and includes at least the accrediting amount and credit time limit.
6. a kind of credit scoring system, which is characterized in that the credit scoring system includes: memory, processor and is stored in
On the memory and the credit scoring program that can run on the processor, the credit scoring program is by the processor
It is performed the steps of when execution
When receiving credit scoring request, the essential information of enterprise is corresponded to according to the credit scoring request, financial report is believed
Breath, loan information and risk information；
Corresponding basic index item score value and wealth are obtained according to the essential information, financial report information and the first default mapping table
Report index item score value；
Debt-credit index item score value and risk indicator item point are obtained by the first preset rules according to the loan information, risk information
Value；
It is calculated according to the basic index item score value, financial report index item score value, debt-credit index item score value and risk indicator item score value
Obtain the credit scoring of enterprise.
7. credit scoring system as claimed in claim 6, which is characterized in that the essential information includes industrial and commercial information and operation
Data, the financial report information include balance sheet, profit flow table and cash flow statement, and the credit scoring program is by the processing
Device also performs the steps of when executing
Extract regional information, registered capital information and the type of business information in the enterprise name in the industrial and commercial information, and root
Corresponding enterprise's name is obtained according to the regional information, registered capital information, type of business information and the first default mapping table
Claim score value, registered capital score value and type of business score value；
According in the industrial and commercial information business scope and the management data obtain by the second preset rules into depositing than score value and
Returned money rate score value；
To the enterprise name score value, registered capital score value, type of business score value, add than score value and returned money rate score value into depositing
With obtain basic index item score value；
The short-term solvency of enterprise, long-term payment of debts is calculated according to the balance sheet, profit flow table and cash flow statement
Ability, operation ability, profitability and business growth ability；
It is reflected according to the short-term solvency, long-term pay ability, operation ability, profitability, business growth ability and first are default
It penetrates relation table and obtains corresponding short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value
With business growth ability score value；
To the short-term solvency score value, long-term pay ability score value, operation ability score value, profitability score value and growth energy
Power score value sums up, and obtains financial report index item score value.
8. credit scoring system as claimed in claim 7, which is characterized in that the credit scoring program is held by the processor
It is also performed the steps of when row
According in the management data information goods entry, stock and sales data and returned money data calculate enterprise first into deposit than with first time
Money rate；
According to the business scope in the industrial and commercial information is obtained from presetting database the second of correspondence marketing enterprises into deposit than with
Second returned money rate, and according to described second into depositing ratio, the second returned money rate, first into depositing than obtaining with the first returned money rate into depositing score
Value and returned money rate score value.
9. credit scoring system as claimed in claim 6, which is characterized in that the loan information includes reference report and third
Square loan report, the risk information include lawsuit information and negative information, and the credit scoring program is by the processing
Device also performs the steps of when executing
Obtain overdue information according to reference report and third party's loan report, and detect the overdue information whether meet it is pre-
If overdue condition；
Determining corresponding debt-credit index item according to testing result should deduct points value, and should be deducted points value and pre- according to the debt-credit index item
If debt-credit index item score value obtains debt-credit index item score value；
According to the quantity and its respective default risk factor calculation risk index item of the lawsuit information and negative information
Should deduct points value, and should deduct points value according to the risk indicator item and default risk indicator item score value obtains risk indicator item score value.
10. a kind of computer readable storage medium, which is characterized in that store creditable comment on the computer readable storage medium
Branch realizes the credit scoring as described in any one of claims 1 to 5 when the credit scoring program is executed by processor
The step of method.
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| CN201811036182.2A CN109345372A (en) | 2018-09-06 | 2018-09-06 | Credit-graded approach, system and computer readable storage medium |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110246028A (en) * | 2019-06-12 | 2019-09-17 | 深圳前海微众银行股份有限公司 | Intelligent account-opening method, device, equipment and medium based on supply chain |
| CN110309219A (en) * | 2019-06-20 | 2019-10-08 | 吉旗物联科技（上海）有限公司 | The generation method and device of credit scoring model |
| CN111127043A (en) * | 2019-12-24 | 2020-05-08 | 深圳市信联征信有限公司 | Credit scoring method, credit scoring device, computer equipment and storage medium |
| CN111178744A (en) * | 2019-12-25 | 2020-05-19 | 东方微银科技(北京)有限公司 | Distribution method, device, equipment and storage medium |
| CN111798298A (en) * | 2020-07-08 | 2020-10-20 | 广州新丝路信息科技有限公司 | Cross-border e-commerce supply chain financial pre-loan enterprise evaluation method and system |
| CN112767120A (en) * | 2020-12-31 | 2021-05-07 | 山东数字能源交易中心有限公司 | Enterprise evaluation data processing method and device |
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| CN110246028A (en) * | 2019-06-12 | 2019-09-17 | 深圳前海微众银行股份有限公司 | Intelligent account-opening method, device, equipment and medium based on supply chain |
| CN110309219A (en) * | 2019-06-20 | 2019-10-08 | 吉旗物联科技（上海）有限公司 | The generation method and device of credit scoring model |
| CN111127043A (en) * | 2019-12-24 | 2020-05-08 | 深圳市信联征信有限公司 | Credit scoring method, credit scoring device, computer equipment and storage medium |
| CN111178744A (en) * | 2019-12-25 | 2020-05-19 | 东方微银科技(北京)有限公司 | Distribution method, device, equipment and storage medium |
| CN111798298A (en) * | 2020-07-08 | 2020-10-20 | 广州新丝路信息科技有限公司 | Cross-border e-commerce supply chain financial pre-loan enterprise evaluation method and system |
| CN111798298B (en) * | 2020-07-08 | 2024-04-26 | 广州新丝路信息科技有限公司 | Cross-border E-commerce supply chain financial pre-loan enterprise assessment method and system |
| CN112767120A (en) * | 2020-12-31 | 2021-05-07 | 山东数字能源交易中心有限公司 | Enterprise evaluation data processing method and device |
| CN113592298A (en) * | 2021-07-30 | 2021-11-02 | 重庆葵海数字科技有限公司 | Enterprise tax risk assessment method |
| CN118396601A (en) * | 2024-06-26 | 2024-07-26 | 杭州海康威视系统技术有限公司 | Intelligent area operation and maintenance system optimization method and device and computer equipment |
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Application publication date: 20190215 |
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