CN109670945A - A kind of integrated risk early warning decision platform based on big data - Google Patents
A kind of integrated risk early warning decision platform based on big data Download PDFInfo
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Abstract
The present invention discloses a kind of integrated risk early warning decision platform based on big data, including business finance recording module, business operation obtain module, financial characteristics extraction module, storing data library, management server, policy database and display module；Business finance recording module is connect with financial characteristics extraction module and management server respectively, and management server obtains module, financial characteristics extraction module, storing data library, policy database and display module with business operation respectively and connect.The present invention is by taking in enterprise, paying, assets and the taxable amount of money are analyzed, it being capable of effective geo-statistic Enterprise Integrated prestige coefficient, Enterprise Integrated prestige coefficient Enterprise Integrated prestige coefficient range corresponding from different decisions is compared, to determine the corresponding content of policy decision of Enterprise Integrated prestige coefficient, realize the authenticity of enterprise's financial data, reliable decision guidance is provided for bank, substantially reduces the risk that bank is undertaken by business loan.
Description
Technical field
The invention belongs to business risk early warning technology fields, are related to a kind of integrated risk early warning decision based on big data
Platform.
Background technique
Currently, more and more enterprises provide a loan to bank with the continuous development of internet financial industry, wherein
Business loan refer to enterprise in order to the needs of production and operation, Xiang Yinhang or other financial institutions according to regulation interest rate and the time limit one
Kind loaning bill mode.
The business capital amount of money and the tax amount amount of money often show the management state of enterprise, and existing Some Enterprises future improves
The amount of the loan modifies to enterprise financial report, and purpose is to borrow the funds of more amount of money, and existing bank is to business loan
During audit, by using manual examination and verification, poor, the incomplete problem of audit that there are accuracys, meanwhile, it greatly reduces careful
The efficiency of core, once not comprehensive to enterprise's audit, bank makes loans to enterprise, and huge risk will be brought to bank loan,
And reliable decision guidance can not be provided for bank according to enterprise's financial data.
Summary of the invention
The purpose of the present invention is to provide a kind of integrated risk early warning decision platform based on big data, solve existing
Bank has that accuracy is poor, low efficiency, brings huge wind to bank loan during auditing to business finance
Danger.
The purpose of the present invention can be achieved through the following technical solutions:
A kind of integrated risk early warning decision platform based on big data, including business finance recording module, enterprise operation are lived
It is dynamic to obtain module, financial characteristics extraction module, storing data library, management server, policy database and display module；
Business finance recording module is connect with financial characteristics extraction module and management server respectively, management server difference
Module, financial characteristics extraction module, storing data library, policy database and display module is obtained with business operation to connect；
Business finance recording module is used for the base report information and total assets of typing enterprise, and by the enterprise of typing
The time that base report and enterprise's base report generate is sent to financial characteristics extraction module, and the total assets of typing are sent
To management server；
Business operation obtains module for obtaining assets inflow and the amount paid of business account in real time, and obtains money
Production flows into and the time of expenditure, and business account fund is flowed into and is sent with amount paid and corresponding inflow, expenditure time
To management server；
Financial characteristics extraction module is used to receive the enterprise's base report and enterprise's base of business finance recording module transmission
The time of this report generation, and the type of report each in enterprise's base report is divided, several reports are divided into, and extract
The all types of reports corresponding generation time is sent to Cloud Server, together by the time of each report generation under same report form type
When, financial characteristics extraction module according to each report generation in same type report chronological order to report according on to
Lower and sequence from left to right divides report, is divided into several rectangular areas, and be divided into two rectangles with a line
The rectangular area of division is divided into first row rectangular area and secondary series rectangular area by region；
Financial characteristics extraction module respectively successively in first row rectangular area i-th of rectangular area and secondary series rectangle
The content stored in content and storing data library in region in i-th of rectangular area compares, to identify in rectangular area
Text, number or corresponding three decimal numbers of character successively will be literary and according to the sequence of identification text, number or character
Word, number or corresponding three decimal numbers of character are sent to storing data library, meanwhile, and extract and store into storing data library
Each rectangular area three decimal number information, and several three decimal numbers of extraction are successively sent according to storage order
To management server, wherein i rectangular area and i-th of rectangular area in secondary series rectangular area in first row rectangular area
For the rectangular area mutually gone together, successively first the content of the first row rectangular area in colleague rectangular area is extracted, then
The content of secondary series rectangular area is extracted, and is successively sent to storage number for content is extracted according to the sequencing of extraction
According in library；
Storing data library is used to storing statement of operating revenue, revenue charges table, tax accrued table, occurs in total assets table
Text, 0-9 number and spcial character, and store text, number or the character corresponding three of financial characteristics extraction module extraction
Position decimal number；
Management server receives the time that each report form type that financial characteristics extraction module is sent generates, and to same type
Report successively extracts several three decimal numbers of the report in storing data library according to chronological order, by each report of extraction
Several three decimal numbers in table match set and alphanumeric matching with the alphanumeric stored in storing data library respectively
Set is compared one by one, to restore text, number or the character content in each report, constitutes inventory set DTs(dTs1,
dTs2,...,dTsy,...,dTsH), T=1,2,3,4, be represented sequentially as statement of operating revenue, revenue charges table, tax accrued table,
Total assets table, dTsY is expressed as the corresponding numerical value of y-th of inventory in the s times statistical tables and reports in the T report form type；
The report account that management server generates future time in statement of operating revenue, revenue charges table, tax accrued table
Catalogue set DTr(dTr1,dTr2,...,dTry,...,dTrH) in each account catalogue respectively with the time upper in same report form type
The account catalogue set D of generationTsIn each account catalogue compared one by one, obtain comparison account catalogue set D 'Ts(d′Ts1,
d′Ts2,...,d′Tsy,...,d′TsH), s+1=r, d 'TsY is expressed as y-th of wealth in the r times statistical tables and reports in the T report form type
The difference being engaged in the corresponding numerical value of catalogue and the s times report between y-th of inventory numerical value, if d 'TsY is equal to 0, then shows T
The corresponding numerical value of y-th of inventory does not change in the r times statistical tables and reports in a report form type, conversely, then showing at the s times
The y-th inventory numerical value changes in the T report form type in report generation time to the time of the r times report generation
Become；
Management server receive business operation obtain module send business account fund flow into, amount paid and
It flows into, the time of expenditure, extract the s times report generation time to the fund inflow in the r times report generation time and pays gold
Volume, statistical account fund change numerical value Fsr=FReal total income-FReal total expenditure=∑ fIt is paid enteri-∑fReal expenditureI, FReal total incomeIt is expressed as business account reality
The accumulating sum summation of border income, FReal total expenditureIt is expressed as the cusum of the business account actual expenses amount of money, fIt is paid enterI is expressed as looking forward to
The practical single amount received of industry account, fReal expenditureI is expressed as the practical single amount paid of business account, meanwhile, management server mentions
Account catalogue set D is compared for statement of operating revenue in each report form type1′s(d1′s1,d1′s2,...,d1′sy,...,d1′sH) and
Revenue charges compare account catalogue set D2′s(d2′s1,d2′s2,...,d2′sy,...,d2′sH), and respectively count operating income
In table and revenue charges table in the s times report generation time to the r times report generation time fund income it is accumulative andRevenue charges it is accumulative andManagement server is accumulative by fund in report and and props up
Add up out and compared respectively with business account real revenue and business account actual expenses, if in report fund it is accumulative and with
Expenditure is accumulative and identical as account actual expenses in account real revenue and report, then is showing business finance income statistics just
Often, conversely, then counting fund changes difference DELTA Esr=Fsr-(ESr income-ESr expenditure)；
Management server obtains the corresponding assets amount of money of each inventory in total assets table, and counts in total assets table
Accumulative assets total amount, and the total assets that accumulative assets total amount and business finance recording module are sent are carried out pair
Than obtaining total assets contrast differences Δ Z=ZIt is practical-ZTyping, ZIt is practicalIt is expressed as the assets total amount added up in total assets table, ZTypingTable
It is shown as the assets total amount of enterprise's recording module transmission；
In addition, management server extracts the income of enterprise in statement of operating revenue, and answered according to the income statistics enterprise of enterprise
Incomes from taxes volume is compared with taxable amount in taxable table, obtains comparison tax amount Δ P=PIt is practical-PTable, PIt is practicalIt is expressed as looking forward to
The corresponding enterprise's amount of taxable income of industry statement of operating revenue, PTableThe enterprise's amount of taxable income being expressed as in taxable table；
Management server changes difference DELTA E according to fundsr, total assets contrast differences Δ Z and comparison tax amount Δ P, statistics
Enterprise Integrated prestige coefficientμ is expressed as fund and changes the corresponding weight of difference, and υ is indicated
For the corresponding weight of total assets contrast differences, σ is expressed as the corresponding weight of comparison tax amount, and+σ=1 μ+υ, management server
By the Enterprise Integrated prestige coefficient corresponding decision of Enterprise Integrated prestige coefficient range different from what is stored in policy database respectively
Content, and Enterprise Integrated prestige coefficient and corresponding content of policy decision are sent to display module；
For policy database for storing different degrees of comparison, different degrees of comparison correspond to different Enterprise Integrated prestige coefficients
Range, and different degrees of comparison correspond to different content of policy decision, convenient for providing reliable decision guidance for administrative staff；
Display module is used to receive Enterprise Integrated prestige coefficient and Enterprise Integrated prestige system of management server transmission
The corresponding content of policy decision of number, and carry out the display of Enterprise Integrated prestige coefficient and content of policy decision.
Further, the base report of the enterprise includes statement of operating revenue, revenue charges table, tax accrued table, assets
Total value table etc., and statement of operating revenue, revenue charges table, tax accrued table, the corresponding number order of total assets table are respectively 1,
2,3,4。
Further, first row rectangular area and secondary series rectangular area are compiled in accordance with the order from top to bottom respectively
Number, respectively 1,2 ..., i ..., n, in the rectangular area and secondary series rectangular area that number is i in first row rectangular area
The rectangular area that number is i mutually corresponds.
Further, each statistical tables and reports are ranked up according to chronological order is generated in same report form type, and respectively 1,
2 ..., s ..., v, s are expressed as the s times report in a certain report form type, the first row rectangular area on each report according to
The word content in rectangular area is ranked up from top to bottom, and respectively 1,2 ..., y ..., h, y are expressed as y-th of financial mesh
Record, each report are made of several inventories.
Further, to the text structure occurred in statement of operating revenue, revenue charges table, tax accrued table, total assets table
At text set A (a1, a2 ..., aj ..., am), aj is expressed as j-th of text, according to 0-9 number and spcial character
Collating sequence constitutes character set B (b1, b2 ..., bf ..., bk), each component difference in text set and character set
It is indicated using three decimal numbers, forming alphanumeric matching set A ', (a ' 1, a ' 2 ..., a ' j ..., a ' are m) and number of characters
Word matches set B ' (each text element and alphanumeric set of matches b ' 1, b ' 2 ..., b ' f ..., b ' k), and in text set
One-to-one relationship between each three decimal numbers in conjunction, each number or character element are matched with alphanumeric in character set
It is corresponded between each three decimal numbers in set, each text, number and the corresponding three decimal number differences of spcial character,
And b ' 1-a ' m=1, a ' j-a ' (j-1)=1, j=1,2 ..., m, b ' f-b ' (f-1)=1, f=1,2 ..., k.
Beneficial effects of the present invention:
A kind of integrated risk early warning decision platform based on big data provided by the invention, by taking in, paying to enterprise,
Assets and the taxable amount of money are analyzed, to determine enterprise practical income, expenditure, assets and the taxable amount of money with the presence or absence of true
Puppet, can effective geo-statistic Enterprise Integrated prestige coefficient, by Enterprise Integrated prestige coefficient Enterprise Integrated corresponding from different decisions
Prestige coefficient range compares, and to determine the corresponding content of policy decision of Enterprise Integrated prestige coefficient, realizes enterprise's financial data
Authenticity provides reliable decision guidance for bank, substantially reduces the risk that bank is undertaken by business loan.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, will be described below to embodiment required
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for ability
For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of schematic diagram of the integrated risk early warning decision platform based on big data in 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 clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts all other
Embodiment shall fall within the protection scope of the present invention.
Refering to Figure 1, a kind of integrated risk early warning decision platform based on big data, including business finance typing mould
Block, business operation obtain module, financial characteristics extraction module, storing data library, management server, policy database and show
Show module；
Business finance recording module is connect with financial characteristics extraction module and management server respectively, management server difference
Module, financial characteristics extraction module, storing data library, policy database and display module is obtained with business operation to connect；
Business finance recording module is used for the base report information and total assets of typing enterprise, and by the enterprise of typing
The time that base report and enterprise's base report generate is sent to financial characteristics extraction module, and the total assets of typing are sent
To management server, wherein the base report of enterprise includes statement of operating revenue, revenue charges table, tax accrued table, total assets
Table etc., statement of operating revenue, revenue charges table, tax accrued table, the corresponding number order of total assets table are respectively 1,2,3,4；
Business operation obtains module for obtaining assets inflow and the amount paid of business account in real time, and obtains money
Production flows into and the time of expenditure, and business account fund is flowed into and is sent with amount paid and corresponding inflow, expenditure time
To management server；
Financial characteristics extraction module is used to receive the enterprise's base report and enterprise's base of business finance recording module transmission
The time of this report generation, and the type of report each in enterprise's base report is divided, several reports are divided into, and extract
The all types of reports corresponding generation time is sent to Cloud Server, together by the time of each report generation under same report form type
When, financial characteristics extraction module according to each report generation in same type report chronological order to report according on to
Lower and sequence from left to right divides report, is divided into several rectangular areas, and be divided into two rectangles with a line
The rectangular area of division is divided into first row rectangular area and secondary series rectangular area, first row rectangular area and by region
Two column rectangular areas are numbered in accordance with the order from top to bottom respectively, and respectively 1,2 ..., i ..., n, wherein first row
The rectangular area that number is i in rectangular area is mutually corresponded with the rectangular area that number is i in secondary series rectangular area；
Wherein, each statistical tables and reports are ranked up according to chronological order is generated in same report form type, and respectively 1,2 ...,
S ..., v, s are expressed as the s times report in a certain report form type, and the first row rectangular area on each report is according to from top to bottom
Word content in rectangular area is ranked up, and respectively 1,2 ..., y ..., h, y are expressed as y-th of inventory, each
Report is made of several inventories.
Financial characteristics extraction module respectively successively in first row rectangular area i-th of rectangular area and secondary series rectangle
The content stored in content and storing data library in region in i-th of rectangular area compares, to identify in rectangular area
Text, number or corresponding three decimal numbers of character successively will be literary and according to the sequence of identification text, number or character
Word, number or corresponding three decimal numbers of character are sent to storing data library, meanwhile, and extract and store into storing data library
Each rectangular area three decimal number information, and several three decimal numbers of extraction are successively sent according to storage order
To management server, wherein i rectangular area and i-th of rectangular area in secondary series rectangular area in first row rectangular area
For the rectangular area mutually gone together, successively first the content of the first row rectangular area in colleague rectangular area is extracted, then
The content of secondary series rectangular area is extracted, and is successively sent to storage number for content is extracted according to the sequencing of extraction
According in library；
Storing data library is used to storing statement of operating revenue, revenue charges table, tax accrued table, occurs in total assets table
Text, 0-9 number and spcial character, and store text, number or the character corresponding three of financial characteristics extraction module extraction
Position decimal number, the spcial character include " ", "-", ", ", " % " etc., wherein to statement of operating revenue, revenue charges table, are answered
The text occurred in payment of duty expense table, total assets table constitutes text set A (a1, a2 ..., aj ..., am), and aj is expressed as jth
A text constitutes character set B (b1, b2 ..., bf ..., bk) according to the collating sequence of 0-9 number and spcial character, text
Each component is respectively adopted three decimal numbers and indicates in word set and character set, forms alphanumeric and matches set A '
(a ' 1, a ' 2 ..., a ' j ..., a ' m) and alphanumeric matching set B ' (b ' 1, b ' 2 ..., b ' f ..., b ' k), and text
Each text element matches one-to-one relationship between each three decimal numbers in set, character set with alphanumeric in set
In each number or character element match with alphanumeric in set and corresponds between each three decimal numbers, each text, it is digital with
And the corresponding three decimal number differences of spcial character, and b ' 1-a ' m=1, a ' j-a ' (j-1)=1, j=1,2 ..., m, b '
F-b ' (f-1)=1, f=1,2 ..., k.
Management server receives the time that each report form type that financial characteristics extraction module is sent generates, and to same type
Report successively extracts several three decimal numbers of the report in storing data library according to chronological order, by each report of extraction
Several three decimal numbers in table match set and alphanumeric matching with the alphanumeric stored in storing data library respectively
Set is compared one by one, to restore text, number or the character content in each report, constitutes inventory set DTs(dTs1,
dTs2,...,dTsy,...,dTsH), T=1,2,3,4, be represented sequentially as statement of operating revenue, revenue charges table, tax accrued table,
Total assets table, dTsY is expressed as the corresponding numerical value of y-th of inventory in the s times statistical tables and reports in the T report form type；
The report account that management server generates future time in statement of operating revenue, revenue charges table, tax accrued table
Catalogue set DTr(dTr1,dTr2,...,dTry,...,dTrH) in each account catalogue respectively with the time upper in same report form type
The account catalogue set D of generationTsIn each account catalogue compared one by one, obtain comparison account catalogue set D 'Ts(d′Ts1,
d′Ts2,...,d′Tsy,...,d′TsH), s+1=r, d 'TsY is expressed as y-th of wealth in the r times statistical tables and reports in the T report form type
The difference being engaged in the corresponding numerical value of catalogue and the s times report between y-th of inventory numerical value, if d 'TsY is equal to 0, then shows T
The corresponding numerical value of y-th of inventory does not change in the r times statistical tables and reports in a report form type, conversely, then showing at the s times
The y-th inventory numerical value changes in the T report form type in report generation time to the time of the r times report generation
Become；
Management server receive business operation obtain module send business account fund flow into, amount paid and
It flows into, the time of expenditure, extract the s times report generation time to the fund inflow in the r times report generation time and pays gold
Volume, statistical account fund change numerical value Fsr=FReal total income-FReal total expenditure=∑ fIt is paid enteri-∑fReal expenditureI, FReal total incomeIt is expressed as business account reality
The accumulating sum summation of border income, FReal total expenditureIt is expressed as the cusum of the business account actual expenses amount of money, fIt is paid enterI is expressed as looking forward to
The practical single amount received of industry account, fReal expenditureI is expressed as the practical single amount paid of business account, meanwhile, management server mentions
Account catalogue set D is compared for statement of operating revenue in each report form type1′s(d1′s1,d1′s2,...,d1′sy,...,d1′sH) and
Revenue charges compare account catalogue set D2′s(d2′s1,d2′s2,...,d2′sy,...,d2′sH), and respectively count operating income
In table and revenue charges table in the s times report generation time to the r times report generation time fund income it is accumulative andRevenue charges it is accumulative andManagement server is accumulative by fund in report and and props up
Add up out and compared respectively with business account real revenue and business account actual expenses, if in report fund it is accumulative and with
Expenditure is accumulative and identical as account actual expenses in account real revenue and report, then is showing business finance income statistics just
Often, conversely, then counting fund changes difference DELTA Esr=Fsr-(ESr income-ESr expenditure)；
Management server obtains the corresponding assets amount of money of each inventory in total assets table, and counts in total assets table
Accumulative assets total amount, and the total assets that accumulative assets total amount and business finance recording module are sent are carried out pair
Than obtaining total assets contrast differences Δ Z=ZIt is practical-ZTyping, ZIt is practicalIt is expressed as the assets total amount added up in total assets table, ZTypingTable
It is shown as the assets total amount of enterprise's recording module transmission；
In addition, management server extracts the income of enterprise in statement of operating revenue, and answered according to the income statistics enterprise of enterprise
Incomes from taxes volume is compared with taxable amount in taxable table, obtains comparison tax amount Δ P=PIt is practical-PTable, PIt is practicalIt is expressed as looking forward to
The corresponding enterprise's amount of taxable income of industry statement of operating revenue, PTableThe enterprise's amount of taxable income being expressed as in taxable table；
Management server changes difference DELTA E according to fundsr, total assets contrast differences Δ Z and comparison tax amount Δ P, statistics
Enterprise Integrated prestige coefficientμ is expressed as fund and changes the corresponding weight of difference, and υ is indicated
For the corresponding weight of total assets contrast differences, σ is expressed as the corresponding weight of comparison tax amount, and+σ=1 μ+υ, management server
By the Enterprise Integrated prestige coefficient corresponding decision of Enterprise Integrated prestige coefficient range different from what is stored in policy database respectively
Content, and Enterprise Integrated prestige coefficient and corresponding content of policy decision are sent to display module；
For policy database for storing different degrees of comparison, different degrees of comparison correspond to different Enterprise Integrated prestige coefficients
Range, and different degrees of comparison correspond to different content of policy decision, convenient for providing reliable decision guidance for administrative staff；
Display module is used to receive Enterprise Integrated prestige coefficient and Enterprise Integrated prestige system of management server transmission
The corresponding content of policy decision of number, and the display of Enterprise Integrated prestige coefficient and content of policy decision is carried out, intuitively convenient for bank personnel
Understand Enterprise Integrated risk, bank provides reliable decision guidance to business loan for the later period.
A kind of integrated risk early warning decision platform based on big data provided by the invention, by taking in, paying to enterprise,
Assets and the taxable amount of money are analyzed, to determine enterprise practical income, expenditure, assets and the taxable amount of money with the presence or absence of true
Puppet, can effective geo-statistic Enterprise Integrated prestige coefficient, by Enterprise Integrated prestige coefficient Enterprise Integrated corresponding from different decisions
Prestige coefficient range compares, and to determine the corresponding content of policy decision of Enterprise Integrated prestige coefficient, realizes enterprise's financial data
Authenticity provides reliable decision guidance for bank, substantially reduces the risk that bank is undertaken by business loan.
The above content is just an example and description of the concept of the present invention, affiliated those skilled in the art
It makes various modifications or additions to the described embodiments or is substituted in a similar manner, without departing from invention
Design or beyond the scope defined by this claim, be within the scope of protection of the invention.
Claims (5)
1. a kind of integrated risk early warning decision platform based on big data, it is characterised in that: including business finance recording module, enterprise
Industry business activities obtain module, financial characteristics extraction module, storing data library, management server, policy database and display mould
Block；
Business finance recording module is connect with financial characteristics extraction module and management server respectively, management server respectively with enterprise
Industry business activities acquisition module, financial characteristics extraction module, storing data library, policy database are connected with display module；
Business finance recording module is used for the base report information and total assets of typing enterprise, and the enterprise of typing is basic
The time that report and enterprise's base report generate is sent to financial characteristics extraction module, and the total assets of typing are sent to pipe
Manage server；
Business operation obtains module for obtaining assets inflow and the amount paid of business account in real time, and obtains asset stream
The time for entering and paying, and business account fund is flowed into and is sent to pipe with amount paid and corresponding inflow, expenditure time
Manage server；
Financial characteristics extraction module is used to receive enterprise's base report of business finance recording module transmission and enterprise reports substantially
The time that table generates, and the type of report each in enterprise's base report is divided, several reports are divided into, and extract same
The all types of reports corresponding generation time is sent to Cloud Server by the time of each report generation under report form type, meanwhile, wealth
Be engaged in characteristic extracting module according to each report generation in same type report chronological order to report according to from top to bottom with
And sequence from left to right divides report, is divided into several rectangular areas, and be divided into two rectangular areas with a line,
The rectangular area of division is divided into first row rectangular area and secondary series rectangular area；
Financial characteristics extraction module is respectively successively to i-th of the rectangular area and secondary series rectangular area in first row rectangular area
The content stored in content and storing data library in interior i-th of rectangular area compares, to identify the text in rectangular area
Word, number or corresponding three decimal numbers of character, and according to the sequence of identification text, number or character, successively by text, number
Word or corresponding three decimal numbers of character are sent to storing data library, meanwhile, and extract store it is each into storing data library
Three decimal number information of rectangular area, and several three decimal numbers of extraction are successively sent to pipe according to storage order
Manage server, wherein i rectangular area and i-th of rectangular area in secondary series rectangular area are phase in first row rectangular area
The rectangular area mutually gone together successively first extracts the content of first row rectangular area in colleague rectangular area, then to the
The content of two column rectangular areas extracts, and is successively sent to storing data library for content is extracted according to the sequencing of extraction
It is interior；
Storing data library is used to store statement of operating revenue, revenue charges table, tax accrued table, the text occurred in total assets table
Word, 0-9 number and spcial character, and the text, number or the character that store the extraction of financial characteristics extraction module are three corresponding
Decimal number；
Management server receives the time that each report form type that financial characteristics extraction module is sent generates, and to same type report
Several three decimal numbers that the report in storing data library is successively extracted according to chronological order, will be in each report of extraction
Several three decimal numbers matched respectively with the alphanumeric stored in storing data library set and alphanumeric matching gather
It is compared one by one, to restore text, number or the character content in each report, constitutes inventory set DTs(dTs1,
dTs2,...,dTsy,...,dTsH), T=1,2,3,4, be represented sequentially as statement of operating revenue, revenue charges table, tax accrued table,
Total assets table, dTsY is expressed as the corresponding numerical value of y-th of inventory in the s times statistical tables and reports in the T report form type；
The report account catalogue that management server generates future time in statement of operating revenue, revenue charges table, tax accrued table
Set DTr(dTr1,dTr2,...,dTry,...,dTrH) each account catalogue is generated with the time upper in same report form type respectively in
Account catalogue set DTsIn each account catalogue compared one by one, obtain comparison account catalogue set D 'Ts(d′Ts1,d′Ts2,...,d′Tsy,...,d′TsH), s+1=r, d 'TsY is expressed as y-th of finance in the r times statistical tables and reports in the T report form type
Difference in the corresponding numerical value of catalogue and the s times report between y-th of inventory numerical value, if d 'TsY is equal to 0, then shows T
The corresponding numerical value of y-th of inventory does not change in the r times statistical tables and reports in report form type, conversely, then showing to report at the s times
The y-th inventory numerical value changes in the T report form type in table generation time to the time of the r times report generation；
Management server receives business operation and obtains the inflow of business account fund, amount paid and stream that module is sent
The time enter, paid, the s times report generation time of extraction flows into the fund in the r times report generation time and amount paid,
Statistical account fund changes numerical value Fsr=FReal total income-FReal total expenditure=∑ fIt is paid enteri-∑fReal expenditureI, FReal total incomeIt is expressed as business account reality
The accumulating sum summation of income, FReal total expenditureIt is expressed as the cusum of the business account actual expenses amount of money, fIt is paid enterI is expressed as enterprise
The practical single amount received of account, fReal expenditureI is expressed as the practical single amount paid of business account, meanwhile, management server provides
Statement of operating revenue compares account catalogue set D ' in each report form type1s(d′1s1,d′1s2,...,d′1sy,...,d′1sH) it and seeks
Industry expenditure comparison account catalogue set D '2s(d′2s1,d′2s2,...,d′2sy,...,d′2sH), and respectively count statement of operating revenue
With fund income in the s times report generation time to the r times report generation time in revenue charges table it is accumulative andRevenue charges it is accumulative andManagement server is accumulative by fund in report and and props up
Add up out and compared respectively with business account real revenue and business account actual expenses, if in report fund it is accumulative and with
Expenditure is accumulative and identical as account actual expenses in account real revenue and report, then is showing business finance income statistics just
Often, conversely, then counting fund changes difference DELTA Esr=Fsr-(ESr income-ESr expenditure)；
Management server obtains the corresponding assets amount of money of each inventory in total assets table, and counts in total assets table and add up
Assets total amount, and the total assets that accumulative assets total amount is sent with business finance recording module are compared, are obtained
To total assets contrast differences Δ Z=ZIt is practical-ZTyping, ZIt is practicalIt is expressed as the assets total amount added up in total assets table, ZTypingIt is expressed as
The assets total amount that enterprise's recording module is sent；
In addition, management server extracts the income of enterprise in statement of operating revenue, and taxable according to the income statistics enterprise of enterprise
The amount of income is compared with taxable amount in taxable table, obtains comparison tax amount Δ P=PIt is practical-PTable, PIt is practicalIt is expressed as battalion, enterprise
The corresponding enterprise's amount of taxable income of industry account of receipt, PTableThe enterprise's amount of taxable income being expressed as in taxable table；
Management server changes difference DELTA E according to fundsr, total assets contrast differences Δ Z and comparison tax amount Δ P, count enterprise
Comprehensive prestige coefficientμ is expressed as fund and changes the corresponding weight of difference, and υ is expressed as providing
The corresponding weight of total value contrast differences is produced, σ is expressed as the corresponding weight of comparison tax amount, and+σ=1 μ+υ, management server will look forward to
Industry integrates the prestige coefficient corresponding content of policy decision of Enterprise Integrated prestige coefficient range different from what is stored in policy database respectively,
And Enterprise Integrated prestige coefficient and corresponding content of policy decision are sent to display module；
For policy database for storing different degrees of comparison, different degrees of comparison correspond to different Enterprise Integrated prestige coefficient models
It encloses, and different degrees of comparison correspond to different content of policy decision, convenient for providing reliable decision guidance for administrative staff；
Display module is used to receive the Enterprise Integrated prestige coefficient and the Enterprise Integrated prestige coefficient pair of management server transmission
The content of policy decision answered, and carry out the display of Enterprise Integrated prestige coefficient and content of policy decision.
2. a kind of integrated risk early warning decision platform based on big data according to claim 1, it is characterised in that: described
The base report of enterprise includes statement of operating revenue, revenue charges table, tax accrued table, total assets table etc., and statement of operating revenue,
Revenue charges table, tax accrued table, the corresponding number order of total assets table are respectively 1,2,3,4.
3. a kind of integrated risk early warning decision platform based on big data according to claim 1, it is characterised in that: first
Column rectangular area and secondary series rectangular area be numbered in accordance with the order from top to bottom respectively, respectively 1,2 ..., i ...,
N, the rectangular area that number is i in first row rectangular area with number the rectangular area for being i phase one by one secondary series the rectangular area in
It is corresponding.
4. a kind of integrated risk early warning decision platform based on big data according to claim 1, it is characterised in that: same
Each statistical tables and reports are ranked up according to chronological order is generated in report form type, and respectively 1,2 ..., s ..., v, s are expressed as certain
The s times report in one report form type, in the first row rectangular area on each report according to the text in rectangular area from top to bottom
Content is ranked up, and respectively 1,2 ..., y ..., h, y are expressed as y-th of inventory, and each report is by several financial mesh
Record composition.
5. a kind of integrated risk early warning decision platform based on big data according to claim 1, it is characterised in that: to battalion
Industry account of receipt, revenue charges table, tax accrued table, the text occurred in total assets table constitute text set A (a1, a2 ...,
Aj ..., am), aj is expressed as j-th of text, constitutes character set B according to the collating sequence of 0-9 number and spcial character
(b1, b2 ..., bf ..., bk), each component is respectively adopted three decimal numbers and indicates in text set and character set,
Formation alphanumeric matching set A ' (a ' 1, a ' 2 ..., a ' j ..., a ' is m) and alphanumeric matches set B ' (b ' 1, b '
2 ..., b ' f ..., b ' k), and in text set each text element matched with alphanumeric set in each three decimal numbers
Between one-to-one relationship, each number or character element are matched with alphanumeric in character set gather in each three decimal numbers
Between correspond, each text, number and the corresponding three decimal number differences of spcial character, and b ' 1-a ' m=1, a ' j-a '
(j-1)=1, j=1,2 ..., m, b ' f-b ' (f-1)=1, f=1,2 ..., k.
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| CN110310029A (en) * | 2019-06-26 | 2019-10-08 | 郑州铁路职业技术学院 | A kind of government finance expenditure performance management method based on big data |
| CN111260455A (en) * | 2020-01-10 | 2020-06-09 | 湖南大唐先一科技有限公司 | Cause department cash flow control method and system |
| CN112396510A (en) * | 2020-11-13 | 2021-02-23 | 湖北道邦科技有限公司 | Economic activity operation risk management and control system |
| CN112419048A (en) * | 2020-12-10 | 2021-02-26 | 中国农业银行股份有限公司南海分行 | Credit customer intelligent analysis method |
| CN115034691A (en) * | 2022-08-11 | 2022-09-09 | 四川弘和通讯集团有限公司 | Oil and gas station safety early warning and management method and device, electronic equipment and medium |
| CN116523646A (en) * | 2023-04-21 | 2023-08-01 | 浙江物芯数科信息产业有限公司 | Financial funds management system and method applied to enterprise |
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