CN109472613A - User right Intelligent treatment strategy based on state modulator and Enterprise Credit system on a kind of cloud electric business platform - Google Patents
User right Intelligent treatment strategy based on state modulator and Enterprise Credit system on a kind of cloud electric business platform Download PDFInfo
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Abstract
The present invention relates to the user right Intelligent treatment strategies on a kind of cloud electric business platform based on state modulator and Enterprise Credit system.The described method includes: determining that enterprise nature and business scope, intelligence divide enterprise's generic using web crawlers technology to registered successful enterprise customer；And then cloud electric business platform service major class is precisely provided for enterprise, laterally determine that cloud electric business platform is the basic service classification that enterprise customer provides；Related demonstration research is carried out, Enterprise Credit system model is established, acquires enterprise customer's related data, obtain the credit scoring and credit grade of enterprise customer；According to credit rating of enterprise, longitudinal Related product and service provided for the enterprise in cloud electric business platform service type.It simplifies, improves user's efficiency of selection and satisfaction；Service based on Enterprise Credit system provides mode, effectively improves the safety of cloud electric business platform and the normalization of cloud resource trade market, has important strategic importance safely to country data.
Description
Technical field
The present invention relates to a kind of cloud computing service platform technical field, more particularly on a kind of cloud electric business platform based on ginseng
The user right Intelligent treatment strategy of number control and Enterprise Credit system.
Background technique
Cloud computing has become the hot topic of computer science and network field, and has caused a series of exploration
And research.Occurs miscellaneous cloud computing platform service provider in succession on the market, client does not need concern server ring
Border is built, and cloud service and product need to be only selected on corresponding cloud service platform.
Function provided by traditional cloud computing platform and product are various, it has not been convenient to which client's selection, therefore, a kind of energy is badly in need of in this field
Improve the transactional services form of user's efficiency of selection and satisfaction.
Current Network Security Environment is increasingly severe, and the mode of doing business of traditional cloud computing service platform does not go deep into user
Investigation, cause the security risk of cloud resource and country data.It is badly in need of a kind of taking into account enterprise customer's credit situation
The cloud service of safety provides mode, and to promote the safety of cloud computing platform and the normalization of cloud resource trade market, this is right
Country data has safely important strategic importance.
Summary of the invention
The present invention provides the transactional services new model in a kind of cloud computing service platform, can be used to improve user's selection
Efficiency and satisfaction provide accurate service for user, and enterprise customer's credit situation is taken into account, and can also be used to promote cloud meter
Calculate the safety of service platform and the normalization of cloud resource trade market.
To achieve the above object, the invention discloses state modulator and Enterprise Credit system are based on a kind of cloud electric business platform
User right Intelligent treatment strategy, the technical solution adopted in the present invention is as follows:
A. it is directed to registered successful enterprise customer, determines that enterprise nature and business scope, intelligence are drawn using web crawlers technology
Divide enterprise's generic；
B. according to enterprise sort, cloud electric business platform service major class is precisely provided for enterprise, laterally determines that cloud electric business platform is enterprise
The basic service classification that user provides；
C. related demonstration research is carried out, Enterprise Credit system model is established, enterprise customer's related data is acquired, according to Enterprise Credit
The credit scoring and credit grade of system model acquisition enterprise customer；
D. according to credit rating of enterprise, longitudinal Related product kimonos provided for the enterprise in cloud electric business platform service type
Business.
Method A is specifically included:
A1. registering unit, enterprise customer fill in relevant information, complete information collection；
A2. web crawlers unit, orientation crawl enterprise customer's related web page resource, intelligence divide enterprise's generic, simultaneously will
Partial data source obtained by crawler as downstream industry's credit system.
Method B is specifically included:
B1. according to enterprise's generic obtained by web crawlers technology, corresponding cloud electric business platform is that the service that enterprise customer divides is big
Class；
B2. the cloud electric business platform service to match is precisely provided for enterprise customer, laterally determines that cloud electric business platform is enterprise customer
The basic service classification of offer.
Method C is specifically included:
C1. related demonstration is carried out, the qualitative index and quantitative target of Enterprise Credit system are established, using quantitative analysis and qualitative point
The technology that phase separation combines, static analysis is combined with dynamic analysis accomplishes that quantization matter has both, subjectivity is objective and deposits；
C2. correlation analysis is carried out with SPSS software, carries out the real example screening of index, 0.8 finger is greater than for related coefficient
Mark, it is believed that there are indexs to cover phenomenon, and the index system in this paper Enterprise Credit system model has finally been determined.Index weights
Setting, it is first determined the weight of quantitative analysis and qualitative analysis, according to the existing practice of China's grading in the industry, quantitative analysis weight
It floats generally about 60%~70% range, the weight of qualitative analysis is generally floated in 30%~40% range.In addition, root
Then to determine according to the principle that nine grades of the implementation of credit rating of enterprise in the world, full marks 100 divide in order to simplify the calculation amount of quantitative model
The weight of amount analysis will can be divided exactly multiplied by 100 points of resulting quantitative model full marks by 9, and in quantitative analysis 60%~70%
In proportion range, only 63% is suitable.Therefore, the quantitative analysis weight determined herein is 63%, and qualitative is 37%, both meets me
State's grading industry existing practice, and facilitate the calculation amount of simplified model.It is quantitative with after qualitative two-part weight having determined, it transports
Each index weights are determined with analytic hierarchy process (AHP) (AHP)；
C3. the Model for Comprehensive of fuzzy mathematics is established for quantitative target, devises expert judging table for qualitative index；
C4. the Model for Comprehensive and expert judging table for combining fuzzy mathematics, establish a set of Enterprise Credit ranking method and mould
Type acquires enterprise customer's related data, obtains the credit scoring and credit grade of enterprise customer.
Method D is specifically included:
D1. the letter formulated according to the credit grade of enterprise customer, corresponding cloud electric business platform in the service major class for enterprise customer
With grade and the specific service table of comparisons；
D2. all products & services that determination can be provided to the enterprise customer, it is longitudinal to provide cloud electric business platform for the enterprise
Related product and service in service type.
Technical solution provided by the invention has the benefit that
(1) products & services in its field are provided according to the classification of enterprise customer and business scope, simplifies, improves use
Family efficiency of selection and satisfaction；
(2) service based on Enterprise Credit system provides mode, and the safety and cloud resource for effectively improving cloud electric business platform are handed over
The normalization in easy market, has safely important strategic importance to country data.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is on a kind of cloud electric business platform of the present invention based on state modulator and the user right of Enterprise Credit system intelligence
The logical construction schematic diagram of processing strategie；
Fig. 2 is the flow chart of Enterprise Credit system model of the present invention；
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clearly and completely
Description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment one
A kind of user right Intelligent treatment plan on the cloud electric business platform of the present embodiment based on state modulator and Enterprise Credit system
Slightly the specific implementation process is as follows:
A. it is directed to registered successful enterprise customer, determines that enterprise nature and business scope, intelligence are drawn using web crawlers technology
Divide enterprise's generic；
B. according to enterprise sort, cloud electric business platform service major class is precisely provided for enterprise, laterally determines that cloud electric business platform is enterprise
The basic service classification that user provides；
C. related demonstration research is carried out, Enterprise Credit system model is established, enterprise customer's related data is acquired, according to Enterprise Credit
The credit scoring and credit grade of system model acquisition enterprise customer；
D. according to credit rating of enterprise, longitudinal Related product kimonos provided for the enterprise in cloud electric business platform service type
Business.
Step 1: enterprise customer's Q application cloud electric business platform login account, fills in enterprise's essential information；
Step 2: determining enterprise nature and business scope, intelligence according to the essential information of enterprise customer Q and using web crawlers technology
Enterprise customer's Q generic can be divided, it is assumed that be medical treatment & health class enterprise, precisely providing cloud electric business platform for enterprise customer Q should
Service the service of major class；
Step 3: the related data of acquisition enterprise customer Q, brings cloud electric business platform enterprise credit system model into, obtains enterprise and use
The credit scoring and credit grade of family Q.The flow chart of Enterprise Credit system model of the present invention is such as
Shown in Fig. 2, the foundation of the model includes the following steps:
S101 carries out related demonstration and establishes qualitative index and quantitative target；
S102 carries out the real example screening of index with correlation analysis；
S103 determines weight with analytic hierarchy process (AHP) (Analytic Hierarchy Process, abbreviation AHP) method；
S104, AHP method determine the specific method and process of weight；
S105 determines index weights；
S106 establishes the Model for Comprehensive of fuzzy mathematics for quantitative target；
S107 is qualitative index design specialist rating sheet；
S108 establishes Enterprise Credit system model, obtains credit rating of enterprise referring to table；
S109 acquires enterprise customer's related data, obtains the credit scoring and credit grade of enterprise customer.
Firstly, in step s101, carrying out related demonstration and establishing qualitative index and quantitative target；
Secondly, in step s 102, with correlation analysis, carrying out the real example screening of index, the index filtered out are as follows:
(1) it quantitative target: manages net profit margin, return on total assets, net assets income ratio, current rate, asset-liability ratio, show
Golden current liability ratio, net profit cash content, stock turnover rate, accounts receivable turnover, the turnover of total assets, main business are received
Enter growth rate, net profit growth rate, total assets growth rate.
(2) qualitative index: manager's ability and ability, management level quality, employee quality, manager's personal credit and business mouth
Upright stone tablet, operations objective and objective management, management system, daily financial management quality, bank credit, commercial credit, macroeconomy ring
Border, Industry situation, market development and Sales Channel, Enterprise Innovation Capability.
Again, in step s 103, index weights are determined with AHP method, wherein AHP method is specifically divided into following 4 steps:
1. establish hierarchy Model, it is to be analyzed the problem of be decomposed into element set, these elements press attribute grouping again, by branch
With relation hierarchy；
2. constructing comparator matrix two-by-two, two elements are compared two-by-two, carries out assignment by importance degree, construction compares two-by-two
Discrimination matrix.The 1-9 scaling law proposed in assignment using founder professor T.L.Satty of AHP method.If U indicates evaluation
Index set,
ui∈ U (i=1,2 ..., n), uijIndicate uiTo ujRelatively important numerical value (j=1,2 ..., n) then judgment matrix be U
=(uij)N, n；
3. calculating the n times root of each row element product of n rank judgment matrix, formula:To ViIt normalizes
Processing, obtains the relative weighting W of factor ii；
4. consistency check, since judgment matrix artificially assigns, therefore consistency check is needed to carry out the reliability of evaluations matrix,
Steps are as follows:
(1) the Maximum characteristic root λ of judgment matrix is calculatedmax；
(2) coincident indicator CI is calculated,
(3) search judgment matrix Aver-age Random Consistency Index RI and calculate consistency ratio CR, CR=CI/RI, when CR≤
When 0.1, being considered as judgment matrix has satisfied consistency, otherwise will correct judgment matrix, meets consistency until obtaining
Until it is required that.(being shown in Table 1)
The value of RI pairs of table 1
| Order | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
| RI value | 0 | 0 | 0.58 | 0.90 | 1.12 | 1.24 | 1.32 | 1.41 | 1.45 |
Again, in step S104 index weights calculating:
A. quantitative target weight
With A1、A2、A3、A4Illustrate Weight Determination for layer:
Construct A1、A2、A3、A4Judgment matrix (is shown in Table 2).
2 A of table1、A2、A3、A4Judgment matrix:
| Index | A1 | A2 | A3 | A4 |
| A1 | 1 | 1/3 | 1 | 1/2 |
| A2 | 3 | 1 | 3 | 2 |
| A3 | 1 | 1/3 | 1 | 1/2 |
| A4 | 2 | 1/2 | 2 | 1 |
4 th Roots for calculating each row element product, obtain: V1=0.639, V2=2.064,
V3=0.639, V4=0.263；To ViNormalized is done, weight is obtained:
W1=0.141, W2=0.455, W3=0.141, W4=0.263
The Maximum characteristic root λ of calculating matrixmax=4.011
Consistency check, CI=0.004,Meet coherence request, i.e. weight distribution is to close
Reason.A can similarly be calculated1-C1、C2, A2-C3、C4、C5、C6, A3-C7、C8、C9, A4-C10、C11、C12, weight, finally, respectively
Use A1、A2、A3、A4Weight multiplied by corresponding A1-C1、C2Weight, A2-C3、C4、C5、C6Weight, A3-C7、C8、C9Weight and A4-
C10、C11、C12The each index C of weight calculationiFor the weight a of target A1, obtain: a1=0.094, a2=0.047, a3=0.153,
a4=0.195, a5=0.067,
a6=0.040, a7=0.042, a8=0.023, a9=0.076, a10=0.078,
a11=0.142, a12=0.043
B. qualitative index weight
Similarly, we acquire each qualitative index weight and are respectively as follows:
a13=0.025, a14=0.025, a15=0.013, a16=0.013, a17=0.019,
a18=0.019, a19=0.038, a20=0.128, a21=0.064, a22=0.066,
a21=0.064, a22=0.066, a23=0.131, a25=0.219, a26=0.109.
Again, in step s 106, Comprehensive Evaluation is carried out to quantitative target with mathematics method；
Mathematics method relates generally to three elements: 1, set of factors and X={ x1, x2... xn2, resolution set Y={ y1,
y2... ym3, single factor test resolution R={ rij}N, m。
(1) it determines sets of factors, uses 12 quantitative targets as the shifting speed collection X of model, each index is xi
Then set of factors are as follows: X={ x1, x2... x12}
(2) determine that resolution is gathered, the standard divided using nine grades in the world, full marks 100, according to quantitative 63% weight distribution, really
Fixed this model full marks are 63 points, and make a decision set Y={ aaa, aa, a, bbb, bb, b, ccc, cc, c }
Each rating fraction (being shown in Table 3)
3 quantitative target score of table-grade is referring to table
| Credit grade | Referring to score m | Credit grade | Referring to score m | Credit grade | Referring to score m |
| aaa | 56≤m≤63 | bbb | 35≤m < 42 | ccc | 14≤m≤21 |
| aa | 49≤m < 56 | bb | 28≤m < 35 | cc | 7≤m < 14 |
| a | 42≤m < 49 | b | 21≤m < 28 | c | 1≤m < 7 |
(3) it determines that single factor test makes a decision matrix R, pass is subordinate to each grade in resolution set firstly, establishing each index in set of factors
System, establishes membership function.For a certain index in X, there are the fuzzy grading vector r=(r of a Y clocki1, ri2...,
rin), the fuzzy relation vector of all indexs constitutes fuzzy variable matrix R=(ri1)N, m(i=1,2 ..., n；J=1,
2 ..., m) wherein, rijIt indicates the degree of membership for making j-th stage comment to i-th of factor, provides the grade scale of each quantitative target
Reference value.Each index is finally calculated to the degree of membership of rating level, if uiIndicate index xiActual value, uij, uij+1It respectively indicates
The reference point of adjacent two-stage, then xiTo the degree of membership r of j-th stageijCalculation method is as follows:
For the direct index that index value size and the horizontal height of business standing are positively correlated, formula is used
Calculate to obtain rij；
The inverse indicators negatively correlated for index value size and the horizontal height of business standing, uses formula
Calculate to obtain rij；
For the r of calculatingijIf rijNumerical value is greater than 0.5, then index xiIt incorporates into as j-th stage, incorporates jth+1 into less than 0.5
Grade.
(4) the weight A=(a of each quantitative target is determined1, a2..., an), weight is shown in last point of quantitative target weight.
(5) Comprehensive Evaluation vector sum Comprehensive Evaluation score is calculated:
Comprehensive Evaluation vector: B=AR=(a1, a2..., an)·(rij)N, 9=(b1, b2..., b9)
To calculate Comprehensive Evaluation score, score collection P=(P is introduced1, P2..., P9)T=(63,56,49 ..., 7)T.Then integrate
Evaluation score vector are as follows: f=BP=(b1, b2..., b9) (63,56,49 ..., 7)T=(f1, f1..., f9), therefore,
The Comprehensive Evaluation total score of quantitative target are as follows:
Again, in step s 107, it is qualitative index design specialist rating sheet, formulates enterprise credit risk qualitative index scoring ginseng
According to table；Again, in step S108, the international standard according to enterprise credit risk is that full marks 100 divide and are divided into nine grades, we
Credit rating of enterprise is formulated referring to table (being shown in Table 4)；
4 credit rating of enterprise of table is referring to table
| Credit grade | Referring to score M | Credit grade | Referring to score M | Credit grade | Referring to score M |
| AAA | 90≤m≤100 | BBB | 60≤M < 70 | CCC | 30≤M < 40 |
| AA | 80≤M < 90 | BB | 50≤M < 60 | CC | 20≤M < 30 |
| A | 70≤M < 80 | B | 40≤M < 50 | C | 10≤M < 20 |
Finally, enterprise customer's related data is acquired in step S109, it is using above-mentioned model, quantitative model is counted quantitative
Index total score and the qualitative index total score obtained by expert analysis mode table add up, and obtained score is business standing score, right
According to credit rating of enterprise referring to table, the credit grade of enterprise customer is obtained.
Step 4: according to the credit grade of medical treatment & health class enterprise customer Q, it is assumed that be CC；Corresponding cloud electric business platform is in the medical treatment
It is the credit grade and the specific service table of comparisons of enterprise customer's formulation in healthy class enterprises service major class；Determination can be strong to medical treatment
All products & services that health class enterprise customer Q is provided are internet medical treatment, image cloud etc.；The products & services that cannot be provided
For Telemedicine.
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, all in the spirit and principles in the present invention
Within, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention.
Claims (5)
1. the user right Intelligent treatment strategy on a kind of cloud electric business platform based on state modulator and Enterprise Credit system, feature
It is, comprising:
A. it is directed to registered successful enterprise customer, determines that enterprise nature and business scope, intelligence are drawn using web crawlers technology
Divide enterprise's generic；
B. according to enterprise sort, cloud electric business platform service major class is precisely provided for enterprise, laterally determines that cloud electric business platform is enterprise
The basic service classification that user provides；
C. related demonstration research is carried out, Enterprise Credit system model is established, enterprise customer's related data is acquired, according to Enterprise Credit
The credit scoring and credit grade of system model acquisition enterprise customer；
D. according to credit rating of enterprise, longitudinal Related product kimonos provided for the enterprise in cloud electric business platform service type
Business.
2. the user right based on state modulator and Enterprise Credit system on a kind of cloud electric business platform according to claim 1
Intelligent treatment strategy, which is characterized in that method A is specifically included:
A1. registering unit, enterprise customer fill in relevant information, complete information collection；
A2. web crawlers unit, orientation crawl enterprise customer's related web page resource, intelligence divide enterprise's generic, simultaneously will
Partial data source obtained by crawler as downstream industry's credit system.
3. the user right based on state modulator and Enterprise Credit system on a kind of cloud electric business platform according to claim 1
Intelligent treatment strategy, which is characterized in that method B is specifically included:
B1. according to enterprise's generic obtained by web crawlers technology, corresponding cloud electric business platform is that the service that enterprise customer divides is big
Class；
B2. the cloud electric business platform service to match is precisely provided for enterprise customer, laterally determines that cloud electric business platform is enterprise customer
The basic service classification of offer.
4. the user right based on state modulator and Enterprise Credit system on a kind of cloud electric business platform according to claim 1
Intelligent treatment strategy, which is characterized in that method C is specifically included:
C1. related demonstration is carried out, the qualitative index and quantitative target of Enterprise Credit system are established；
C2. use correlation analysis, carry out index real example screening, determine Enterprise Credit system qualitative index and quantitative finger
Mark, determines index weights with AHP method；
C3. the Model for Comprehensive of fuzzy mathematics is established for quantitative target, devises expert judging table for qualitative index；
C4. the Model for Comprehensive and expert judging table for combining fuzzy mathematics, establish a set of Enterprise Credit ranking method and mould
Type acquires enterprise customer's related data, obtains the credit scoring and credit grade of enterprise customer.
5. the user right based on state modulator and Enterprise Credit system on a kind of cloud electric business platform according to claim 1
Intelligent treatment strategy, which is characterized in that method D is specifically included:
D1. the letter formulated according to the credit grade of enterprise customer, corresponding cloud electric business platform in the service major class for enterprise customer
With grade and the specific service table of comparisons；
D2. all products & services that determination can be provided to the enterprise customer, it is longitudinal to provide cloud electric business platform for the enterprise
Related product and service in service type.
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110020796A (en) * | 2019-03-26 | 2019-07-16 | 苏州纤联电子商务有限公司 | A kind of textile industry Enterprise Credit Risk Evaluation method and system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110020796A (en) * | 2019-03-26 | 2019-07-16 | 苏州纤联电子商务有限公司 | A kind of textile industry Enterprise Credit Risk Evaluation method and system |
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| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Chengdu Branch of Multiplier Big Data (Guiyang) Co., Ltd. Document name: Notification of Publication of the Application for Invention |
|
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Patent director of Chengdu Branch of Chengfang big data (Guiyang) Co., Ltd Document name: Notification of before Expiration of Request of Examination as to Substance |
|
| DD01 | Delivery of document by public notice | ||
| DD01 | Delivery of document by public notice |
Addressee: Zou Ye Document name: Deemed as a notice of withdrawal |
|
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20190315 |