A kind of pair of enterprise carries out the method and six rib star models of risk quantification assessment
Technical field
The present invention relates to information security fields, and the method and six of risk quantification assessment is carried out more particularly to a kind of pair of enterprise
Rib star model.
Background technique
Business risk quantitative evaluation is the core component of Enterprise Risk Management, and the quantization of risk can be used to enterprise
Whether can occurrence risk predicted and managed.Now there is presently no a kind of model can the risk to enterprise completely measured
Change assessment, Risk-warning can not be thus provided for enterprise and cannot be compared with the integration capability of enterprise of the same trade.
Summary of the invention
In view of the above shortcomings of the prior art, the present invention provides a kind of pair of enterprise carry out risk quantification assessment method and
Six rib star models can be realized and carry out quantitative evaluation to the risk of enterprise, and quantized result as enterprise itself Risk-warning with
And the foundation with Enterprise Integrated ability of the same trade comparison.The six each dimension of rib star " of " is 0-100 point, point higher expression enterprise this
Item performance is better, otherwise performance is poorer.
In order to solve the above-mentioned technical problem, present invention employs the following technical solutions:
A kind of pair of enterprise carries out six rib star models of risk quantification assessment, including first class index, two-level index, three-level refer to
Mark, the two-level index are made of management state, Industry situation, innovation ability, team's correlation, conjunction regulation degree, social effectiveness;
The three-level index is refinement index corresponding to the two-level index;The first class index is by all two-level index by adding
Weight average mode is calculated.
As optimization, the management state include operation life in the three-level index, registered capital, acceptance of the bid number,
Acceptance of the bid total amount;
The Industry situation includes that small micro- business event unicity, the large and medium-sized enterprise's design in the three-level index are multiple
Professional, in the recent period advantageous policy quantity, in the recent period unfavorable policy quantity, affiliated enterprise's same industry ratio;
The innovation ability includes trade mark quantity in the three-level index, every year on average trade mark quantity, patent numbers, flat
Annual patent numbers, the last publication patent time, the last publication trade mark time;
Team's correlation includes the news quantity for being related to arrears of wages in the three-level index, is related to what legal person ran away
City numbers that news quantity, the quantity for being related to company management risk news, business are related to, team development speed, team are average
Wages;
The conjunction regulation degree include being listed in the three-level index break one's promise be performed list number, by financial institution rise
It tells number, be related to emphasis case and related to by number, affiliated company to tell situation;
The social effectiveness includes press exposure rate, affiliated company's total quantity, company's recruitment in the three-level index
Public praise, news combined influence power.
As optimization, the two-level index is calculated by corresponding three-level index by weighted average mode.
The method that a kind of pair of enterprise carries out risk quantification assessment, risk quantification assessment, institute are carried out based on six rib star models
Stating six rib star models includes first class index, two-level index, three-level index, and the two-level index is by management state, Industry situation, wound
New ability, team is related, closes regulation degree, social effectiveness composition;The three-level index is thin corresponding to the two-level index
Change index;The first class index is calculated by all two-level index by weighted average mode, and the method includes following
Step:
A. structural data is converted by data analysis technique by the three-level index, the structural data is carried out
Data cleansing makes the data format of the three-level index be unified into number format, the specific steps are as follows:
1) web crawlers engineer obtains all initial data of enterprise using crawler technology, by using to initial data
Natural language processing means parse the specific fields in the initial data, entity extracts, storage, to what is parsed
Structural data carries out ElasticSearch high-volume data loading;
2) the relevant field progress specification of the structural data of storage, statistics, grouping, sequence are obtained using SQL statement
The quantitative value of certain field;
B. each numeric formatted three-level index is normalized as the quantized value between 0 to 1;
C., the quantized value of the three-level index is calculated to the numerical value of the two-level index: E by weighted average modei
=100* ∑ (Aij*Wij);Wherein i=1,2...6, j=1,2...n;EiFor the two-level index score, AijIt is described any
The quantized value of the corresponding three-level index of two-level index, WijFor the corresponding weight of corresponding j-th of three-level index of i-th of two-level index
Coefficient, n are the quantity of three-level index;;
D. the level-one is calculated by weighted average mode in the numerical value of all two-level index for being weighted and averaged and obtaining
The numerical value of index:
S=∑ (Ei*Vi);Wherein i=1,2 ... 6, wherein S is the first class index score, EiFor the two-level index
Score, ViFor the corresponding weight coefficient of the two-level index;
The public affairs of " bad " that the company and N family for e. extracting " good " that the M family that bank or financial institution provide generally acknowledges generally acknowledge
The three-level index of department and by three-level quantification of targets be numerical value, as the input of the six ribs star model, by the way that the three-level is referred to
Marker tape enters the numerical value that first class index is calculated in the six ribs star model, and the scores binding test of all test companies is public
" good ", " bad " two tag along sort of department, test company is assessed using Receiver operating curve in the six ribs star mould
The numerical value of first class index in type passes through the first class index score of Receiver operating curve's test method binding test company
And true two tag along sort of test company, best score threshold value is obtained, by judging that Receiver operating curve obtains
Best rate of precision;M, N is the positive integer not less than 100;;
F. it when the rate of precision when test data on model is less than the first preset value, then needs according to two-level index and three-level
The significance level of index readjusts the weight of two-level index and three-level index, or adds or deletes the dependency rule word of enterprise
Section, more than the second preset value of model rate of precision, then completes the adjustment of the six ribs star model;
G. when the rate of precision when test data on the six ribs star model is greater than the first preset value, six rib star models are completed
Exploitation, the later period according to the feedback of user market, the regular weight of the two-level index to the six ribs star model and three-level index
It is adjusted, adaptation of the six ribs star model to more and more companies is continuously improved, enhances its generalized ability and accuracy;
H. the enterprise for carrying out risk quantification assessment is needed to substitute into the six rib star models that the exploitation is completed client, with output
Risk quantification assessment result.
Specific steps as optimization, in the step b are as follows: pass through the quantity and the three-level index of the three-level index
Quantized value between establish a Function Mapping relationship, to calculate the quantized value of all three-level indexs;Each three-level
Index has independent function, defines the three-level index as positive message or negative news;The three-level index of positive message is used
Sigmoid function is brought into, and the three-level index of negative news is brought into anti-Sigmoid function.
As optimization, the expression formula of the rate of precision is as follows:
(I-J)/I;
Wherein, I is the sum for bringing " good " company of six rib star models into, and J is " good " public affairs obtained by six rib star models
Department and reality are also the quantity of " good " company.
As optimization, the management state include operation life in the three-level index, registered capital, acceptance of the bid number,
Acceptance of the bid total amount;
The Industry situation includes that small micro- business event unicity, the large and medium-sized enterprise's design in the three-level index are multiple
Professional, in the recent period advantageous policy quantity, in the recent period unfavorable policy quantity, affiliated enterprise's same industry ratio;
The innovation ability includes trade mark quantity in the three-level index, every year on average trade mark quantity, patent numbers, flat
Annual patent numbers, the last publication patent time, the last publication trade mark time;
Team's correlation includes the news quantity for being related to arrears of wages in the three-level index, is related to what legal person ran away
City numbers that news quantity, the quantity for being related to company management risk news, business are related to, team development speed, team are average
Wages;
The conjunction regulation degree include being listed in the three-level index break one's promise be performed list number, by financial institution rise
It tells number, be related to emphasis case and related to by number, affiliated company to tell situation;
The social effectiveness includes press exposure rate, affiliated company's total quantity, company's recruitment in the three-level index
Public praise, news combined influence power.
As optimization, the three-level index of the front message has operation life, registered capital, acceptance of the bid number, the total gold of acceptance of the bid
Volume, small micro- business event unicity, large and medium-sized enterprise design multiple professionals, in the recent period advantageous policy quantity, affiliated enterprise colleague
Industry ratio, trade mark quantity, every year on average trade mark quantity, patent numbers, every year on average patent numbers, the last publication patent when
Between, the city numbers that are related to of the last publication trade mark time, business, team development speed, team be averaged wages, press exposure
Rate, affiliated company's total quantity, company recruit public praise, news combined influence power;The three-level index of the negative news has in the recent period not
Sharp policy quantity, the news quantity for being related to arrears of wages are related to news quantity that legal person runs away, are related to company management risk news
Quantity, be listed in break one's promise be performed list number, by financial institution prosecution number, be related to emphasis case by number, affiliated company
It relates to and tells situation.
As optimization, first preset value is 80%, and second preset value is 90%.
The beneficial effects of the present invention are:
This model can carry out quantitative evaluation to the risk of enterprise, and first class index is the comprehensive score of enterprise, pass through level-one
Index it can be concluded that enterprise integration capability;Two-level index can evaluate enterprise compared with other enterprises of the same trade a certain
The performance of dimension measures the Comprehensive Evaluation of enterprise, obtains an objective appraisal standard by the calculating of model, allows finance
Mechanism and business risk model management are all evidence-based, reasonable to look into.
Detailed description of the invention
Fig. 1 is the flow chart for the method that a kind of pair of enterprise of the present invention carries out risk quantification assessment.
Fig. 2 is the composed structure schematic diagram of six rib star models of the invention.
Fig. 3 is the embodiment for the method that a kind of pair of enterprise of the present invention carries out risk quantification assessment.
Specific embodiment
The present invention is described in further detail with reference to the accompanying drawing.
As shown in Fig. 2, a kind of pair of enterprise carries out six rib star models of risk quantification assessment, including first class index, second level refer to
Mark, three-level index, two-level index is by management state, Industry situation, innovation ability, team's correlation, conjunction regulation degree, social effectiveness
Composition;Three-level index is refinement index corresponding to two-level index;First class index passes through weighted average by all two-level index
Mode is calculated.
In the present embodiment, management state includes that operation life in three-level index, registered capital, acceptance of the bid number, acceptance of the bid are total
The amount of money;
Industry situation include small micro- business event unicity in three-level index, large and medium-sized enterprise design multiple professionals,
Advantageous policy quantity, in the recent period unfavorable policy quantity, affiliated enterprise's same industry ratio in the recent period;
Innovation ability includes trade mark quantity in three-level index, every year on average trade mark quantity, patent numbers, every year on average specially
Sharp quantity, the last publication patent time, the last publication trade mark time;
Team's correlation includes the news quantity for being related to arrears of wages in three-level index, is related to the news number that legal person runs away
It measures, the city numbers that the quantity, the business that are related to company management risk news is related to, team development speed, team are averaged wages;
Close regulation degree include being listed in three-level index break one's promise be performed list number, by financial institution prosecution number,
It is related to emphasis case and is related to by number, affiliated company to tell situation;
Social effectiveness includes press exposure rate, affiliated company's total quantity, company recruitment public praise, news in three-level index
Combined influence power.
Two-level index is calculated by corresponding three-level index by weighted average mode, and first class index is by all second levels
Index is calculated by weighted average mode.
As shown in Figure 1,3, the method that a kind of pair of enterprise carries out risk quantification assessment, carries out risk based on six rib star models
Quantitative evaluation, six rib star models include first class index, two-level index, three-level index, and two-level index is by management state, industry shape
Condition, innovation ability, team is related, closes regulation degree, social effectiveness composition;Three-level index is that refinement corresponding to two-level index refers to
Mark;First class index is calculated by all two-level index by weighted average mode, method the following steps are included:
A. structural data is converted by data analysis technique by three-level index, data cleansing is carried out to structural data
So that the data format of three-level index is unified into number format, retain 2 significant digits number, the specific steps are as follows:
1) web crawlers engineer obtains all initial data of enterprise using crawler technology, by using to initial data
Natural language processing means parse the specific fields in the initial data, entity extracts, storage, to what is parsed
Structural data carries out Elastic Search high-volume data loading, and ElasticSearch is the base developed with Java
In the search server of Lucene, is issued as the open source code under Apache license terms, be that enterprise-level is searched currently popular
Index is held up, it provides the full-text search engine of a distributed multi-user ability, is based on RESTful web interface, and design is used
In cloud computing, real-time search can be reached, stablized, it is reliably, quickly, easy to install and use;
2) the relevant field progress specification of the structural data of storage, statistics, grouping, sequence are obtained using SQL statement
The quantitative value of certain field;
B. each numeric formatted three-level index is normalized as the quantized value between 0 to 1, that is, passes through three
A Function Mapping relationship is established between the quantity of grade index and the quantized value of three-level index, to calculate all three-level indexs
Quantized value;Each three-level index has independent function, and defining three-level index is positive message or negative news;Positive message
Three-level index is brought into Sigmoid function, and the three-level index of negative news is brought into anti-Sigmoid function.
In the present embodiment, management state includes that operation life in three-level index, registered capital, acceptance of the bid number, acceptance of the bid are total
The amount of money;
Industry situation include small micro- business event unicity in three-level index, large and medium-sized enterprise design multiple professionals,
Advantageous policy quantity, in the recent period unfavorable policy quantity, affiliated enterprise's same industry ratio in the recent period;
Innovation ability includes trade mark quantity in three-level index, every year on average trade mark quantity, patent numbers, every year on average specially
Sharp quantity, the last publication patent time, the last publication trade mark time;
Team's correlation includes the news quantity for being related to arrears of wages in three-level index, is related to the news number that legal person runs away
It measures, the city numbers that the quantity, the business that are related to company management risk news is related to, team development speed, team are averaged wages;
Close regulation degree include being listed in three-level index break one's promise be performed list number, by financial institution prosecution number,
It is related to emphasis case and is related to by number, affiliated company to tell situation;
Social effectiveness includes press exposure rate, affiliated company's total quantity, company recruitment public praise, news in three-level index
Combined influence power.
Wherein, the three-level index of positive message has operation life, registered capital, acceptance of the bid number, acceptance of the bid total amount, small micro- enterprise
Industry business unicity, large and medium-sized enterprise design multiple professionals, in the recent period advantageous policy quantity, affiliated enterprise's same industry ratio, quotient
Mark quantity, every year on average trade mark quantity, patent numbers, every year on average patent numbers, the last publication patent time, nearest one
City numbers that secondary publication trade mark time, business are related to, team development speed, team be averaged wages, press exposure rate, association public affairs
Take charge of total quantity, company recruits public praise, news combined influence power;The three-level index of negative news has recent unfavorable policy quantity, relates to
And arrears of wages news quantity, be related to news quantity that legal person runs away, be related to company management risk news quantity, be listed in
Break one's promise be performed list number, by financial institution's prosecution number, be related to emphasis case and related to by number, affiliated company to tell situation;
C., the quantized value of three-level index is calculated to the numerical value of two-level index: E by weighted average modei=100* ∑
(Aij*Wij);Wherein i=1,2...6, j=1,2...n;EiFor the two-level index score, AijFor any secondary index
The quantized value of corresponding three-level index, WijFor the corresponding weight coefficient of corresponding j-th of three-level index of i-th of two-level index, n is
The quantity of three-level index;;
D. first class index is calculated by weighted average mode in the numerical value of all two-level index for being weighted and averaged and obtaining
Numerical value:
S=∑ (Ei*Vi);Wherein i=1,2 ... 6, wherein S is first class index score, EiIt is obtained for the two-level index
Point, ViFor the corresponding weight coefficient of the two-level index;
Wherein, Wj、ViCoefficient artificially carries out an initialization apportioning cost when constructing six rib star models first, point
Be exactly with principle it is preliminary different to the disturbance degree of an enterprise according to second level, three-level rule, by test model, continuous iteration
Change weight or update, addition rule, achievees the effect that Optimized model;
In the present embodiment, first class index score=management state * 10%+ Industry situation * 10%+ innovation ability * 20%+ group
Team correlation * 10%+ closes regulation degree * 25%+ social effectiveness * 25%;;
The public affairs of " bad " that the company and N family for e. extracting " good " that the M family that bank or financial institution provide generally acknowledges generally acknowledge
The three-level index of department and by three-level quantification of targets be numerical value, as the input of the six ribs star model, by the way that the three-level is referred to
Marker tape enters the numerical value that first class index is calculated in the six ribs star model, and the numerical value of first class index here is exactly the synthesis of company
Score, by " good " of the scores binding test company of all test companies, " bad " two tag along sort, using subject's work
Make indicatrix (Receiver Operating Characteristic curve, ROC) to assess test company described six
The numerical value of first class index on rib star model is referred to by the level-one of Receiver operating curve's test method binding test company
It marks score and tests true two tag along sort of company, obtain best score threshold value, by judging Receiver Operating Characteristics' song
Line curve obtains best rate of precision;M, N is the positive integer not less than 100;
F. it when the rate of precision when test data on model is less than the first preset value, then needs according to two-level index and three-level
The significance level of index readjusts the weight of two-level index and three-level index, or adds or deletes the dependency rule word of enterprise
Section, more than the second preset value of model rate of precision, then completes the adjustment of six rib star models;
G. when the rate of precision when test data on six rib star models is greater than the first preset value, opening for six rib star models is completed
Hair, later period are adjusted according to the feedback of user market, the periodically weight of the two-level index to six rib star models and three-level index,
Adaptation of the six rib star models to more and more companies is continuously improved, enhances its generalized ability and accuracy;
H. the enterprise that client needs to carry out risk quantification assessment is substituted into the six rib star models that exploitation is completed, to export risk
Quantitative evaluation result.
In the present embodiment, the expression formula of rate of precision is as follows:
(I-J)/I;
Wherein, I is the sum for bringing " good " company of six rib star models into, and J is " good " public affairs obtained by six rib star models
Department and reality are also the quantity of " good " company.
If having obtained 95 companies by model has been company, and having 90 in this 95 is in 100 generally acknowledged good public affairs
It takes charge of in list, then rate of precision is 90%.The working principle of the invention: each enterprise is carried out using big data processing technique complete
The summation in orientation is assessed, and calculates each enterprise's final score.Specific implementation can use business risk quantitative estimation method:
The multiple dimension scores situations for firstly evaluating enterprise, then integrate each dimension and calculate model score.Each dimension and synthesis
Score is 0-100 points, and it is better that the higher expression enterprise of score shows in a certain dimension, otherwise performance is poorer.
Finally, it should be noted that those skilled in the art various changes and modifications can be made to the invention without departing from
The spirit and scope of the present invention.In this way, if these modifications and changes of the present invention belongs to the claims in the present invention and its waits system
Within the scope of counting, then the present invention is also intended to encompass these modification and variations.