CN109670961A - Management method, device, terminal device and computer readable storage medium after throwing - Google Patents
Management method, device, terminal device and computer readable storage medium after throwing Download PDFInfo
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Abstract
The invention discloses management method, device, terminal device and computer readable storage mediums after a kind of throwing.In the present invention, pass through the current company information of the enterprise of acquisition management phase after throwing, then it is used to store between enterprise's transaction odd numbers signed and business personnel in the mapping relations of corresponding relationship according to the company information from what is constructed in advance, find out the business personnel for docking the enterprise, and the investigation instruction for verifying the enterprise with the presence or absence of default risk is issued to the user terminal of the business personnel, so as to accurately navigate to the specific business personnel for being responsible for the enterprise.Furthermore, after issuing investigation instruction, by the survey information for the enterprise for receiving business personnel's feedback, and the Default Probability value according to existing for the enterprise that the above-mentioned company information got determines, it is regular for the accrediting amount of the enterprise and early warning to adjust, it effectively improves financial institution and risk is evaded.
Description
Technical field
The present invention relates to management method, device, terminal devices after Financial Risk Control technical field more particularly to a kind of throwing
And computer readable storage medium.
Background technique
Risk investment (Venture Capital, VC) abbreviation risk investment, also known as venture capital investment is primarily referred to as looking forward to establishment
Industry, which is provided with funds, support and obtains a kind of financing method of the said firm's share.Nowadays although risk investment industry is quickly grown, but
It is its energy material resources for evading aspect investment in safety, also rests on before throwing, made a basket, the outfit and system managed after throwing is opposite
It is also weaker.
Although currently, after throwing management in the presence of the monitoring product to specific enterprise, for collecting data disclosed in enterprise,
Then risk judgment is carried out according to the data that are collected into, and determining there are when risk, providing early warning Push Service, but at present
Throwing after manage and judged roughly merely by collected data, can not accurately assess risk at all, and sentencing
Break there are after risk, also only carries out early warning push, none complete management basic for the processing of follow-up business, because
And it is unable to reach managerial role after real meaning upslide at all, it also can not just react the whole wind of financial institution's service for corporate customers
Danger is horizontal.
So each procedure links function can be specified it is urgent to provide one kind, precise positioning to corresponding business personnel, from
And management work efficiency after throwing is effectively promoted, and the accrediting amount of enterprise and pre- is adjusted according to the survey feedback of business personnel in time
Closed loop management scheme after the throwing of police regulations then.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide management method after a kind of throwing, device, terminal device and computer-readable deposit
Storage media, it is intended to solve in the prior art throw after management can not precise positioning to corresponding business personnel, also can not be according to business
The survey feedback of personnel adjusts the accrediting amount of enterprise and the technical problem of early warning rule in time.
To achieve the above object, it the present invention provides management method after a kind of throwing, the described method comprises the following steps:
Obtain the current company information of the enterprise of the management phase after throwing；
According to the company information, Default Probability value existing for the enterprise is determined；
According to the company information, the business for docking the enterprise is found out in the first mapping table constructed in advance
The information of personnel, first mapping table are corresponding between the enterprise transaction odd numbers signed and the business personnel
Relationship, the trade order number carry the identification number for identifying enterprise's uniqueness；
According to the information of the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation instruction, so that described
Business personnel, which verifies the enterprise, whether there is default risk；
The survey information for receiving the user terminal feedback of the business personnel, it is general according to the survey information and the promise breaking
The adjustment of rate value is for the accrediting amount of the enterprise and early warning rule.
Preferably, described according to the company information, it determines Default Probability value existing for the enterprise, specifically includes:
Obtain the current debt data of the enterprise carried in the company information；
Based on Default Probability model, the debt data of the enterprise are calculated, the promise breaking for obtaining the enterprise is implemented
Point；
Implement point according to the promise breaking, calculates the illegal building of the enterprise；
According to the illegal building, the corresponding institute of the illegal building is searched in the second mapping table constructed in advance
The default rate of violation of enterprise is stated, second mapping table is between the illegal building and the default rate of violation of the enterprise
Corresponding relationship；
The default rate of violation that will be found, the Default Probability value as the enterprise.
Preferably, described that point is implemented according to the promise breaking, the illegal building of the enterprise is calculated, is specifically included:
Obtain the initial market value of the assets of the enterprise carried in the company information, the stability bandwidth of return on assets, money
The expectation net income ratio and expiration time of production；
Based on Option Pricing Formula, the initial market value of point and the assets, the wave of return on assets are implemented according to the promise breaking
The expectation net income ratio and expiration time of dynamic rate, assets, determine the illegal building of the enterprise.
Preferably, described according to the company information, docking institute is found out in the first mapping table constructed in advance
The information for stating the business personnel of enterprise, specifically includes:
The identification number for identifying enterprise's uniqueness is obtained from the company information；
According to the identification number, the transaction odd numbers for carrying the identification number is searched in first mapping table；
According to the transaction odd numbers, business people corresponding with the transaction odd numbers is searched in first mapping table
Member；
The corresponding information of the business personnel that acquisition is found, the corresponding information of the business personnel that will be found,
Information as the business personnel for docking the enterprise.
Preferably, described according to the company information, docking institute is found out in the first mapping table constructed in advance
Before the business personnel's information for stating enterprise, the method also includes:
Judge whether the Default Probability value is greater than the first Default Probability threshold value；
Correspondingly, described according to the company information, docking institute is found out in the first mapping table constructed in advance
The business personnel's information for stating enterprise, specifically includes:
If it is determined that the Default Probability value is greater than the first Default Probability threshold value, then according to the company information, pre-
The business personnel's information for docking the enterprise is found out in the first mapping table first constructed.
Preferably, the determination Default Probability value is greater than the first Default Probability threshold value, is believed according to the enterprise
Breath, before the business personnel's information for docking the enterprise is found out in the first mapping table constructed in advance, the method
Further include:
Judge whether the Default Probability value is greater than the second Default Probability threshold value；
Correspondingly, the determination Default Probability value is greater than the first Default Probability threshold value, is believed according to the enterprise
Breath, the business personnel's information for docking the enterprise is found out in the first mapping table constructed in advance, is specifically included:
If it is determined that the Default Probability value is less than the second Default Probability threshold value, then according to the company information, pre-
The business personnel's information for docking the enterprise is found out in the first mapping table first constructed；
If it is determined that the Default Probability value is greater than the second Default Probability threshold value, then start preset emergency plan, together
When according to the company information, found out in the first mapping table constructed in advance dock the enterprise business personnel letter
Breath.
Preferably, the information according to the business personnel, the user terminal of Xiang Suoshu business personnel issue investigation and refer to
After order, the method also includes:
The first time that current system is shown is obtained, using the first time as the time for issuing the investigation instruction；
Correspondingly, after the survey information of the user terminal feedback for receiving the business personnel, the method is also wrapped
It includes:
The second time that current system is shown is obtained, using second time as the time for receiving the survey information；
According to the first time and second time, determine that the business personnel verifies the enterprise with the presence or absence of separated
About verification duration used in risk；
The verification duration is stored in business personnel's table of merit rating, as the reference standard for examining business personnel's achievement.
In addition, to achieve the above object, the present invention also provides managing device after a kind of throwing, described device includes:
Module is obtained, the current company information of the enterprise for obtaining the management phase after throwing；
Determining module, for determining Default Probability value existing for the enterprise according to the company information；
Searching module, for finding out docking in the first mapping table constructed in advance according to the company information
The information of the business personnel of the enterprise, first mapping table are the transaction odd numbers and the business that the enterprise signs
Corresponding relationship between personnel, the trade order number carry the identification number for identifying enterprise's uniqueness；
Sending module, for the information according to the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation
Instruction, so that the business personnel verifies the enterprise and whether there is default risk；
Receiving module, the survey information that the user terminal for receiving the business personnel is fed back；
Module is adjusted, for being directed to the credit volume of the enterprise according to the survey information and Default Probability value adjustment
Degree and early warning rule.
In addition, to achieve the above object, the present invention also provides a kind of terminal device, the terminal device includes: storage
It device, processor and is stored on the memory and management program after the throwing that can be run on the processor, after the throwing
Management program is arranged for carrying out the step of management method after the throwing.
In addition, to achieve the above object, the present invention also provides a kind of computer readable storage medium, the computer can
It is stored with management program after throwing on reading storage medium, is managed after the throwing is realized when management program is executed by processor after the throwing
The step of method.
In the present invention, by the current company information of the enterprise of acquisition management phase after throwing, then according to the enterprise
Company information from the mapping constructed in advance for storing corresponding relationship between enterprise's transaction odd numbers signed and business personnel
The business personnel for docking the enterprise is found out in relationship, and is issued to the user terminal of the business personnel and verified whether the enterprise deposits
It is instructed in the investigation of default risk, so as to accurately navigate to the specific business personnel for being responsible for the enterprise, realizes responsibility
To the effect of people, and then greatly improve the processing speed of business personnel.In addition, after issuing investigation instruction, by receiving industry
The survey information for the enterprise of business personnel feedback, and existed according to the enterprise that the above-mentioned company information got determines
Default Probability value, to adjust for the accrediting amount of the enterprise and early warning rule, thus while facilitating enterprise to borrow or lend money,
Financial institution is effectively improved to evade risk.
Detailed description of the invention
Fig. 1 is the structural schematic diagram of the terminal device for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of management method first embodiment after the present invention is thrown；
Fig. 3 is the flow diagram of management method second embodiment after the present invention is thrown；
Fig. 4 is the functional block diagram of managing device after the present invention is thrown.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is the structural representation of the terminal device for the hardware running environment that the embodiment of the present invention is related to
Figure.
The equipment that the terminal device specifically refers to be deployed with management program after throwing described in the present invention, specifically disposes the throwing
The terminal device of management program can be physical server or virtual Cloud Server afterwards.
In addition, in the concrete realization, above-mentioned terminal device is also possible to be able to access that the portable equipment of network, such as
Smart phone, tablet computer and personal computer of various systems etc., will not enumerate herein, also be not particularly limited.
The specific works of the terminal device in order to facilitate understanding, are specifically described below in conjunction with Fig. 1.
As shown in Figure 1, the terminal device may include: processor 1001, such as central processing unit (Central
Processing Unit, CPU), communication bus 1002, user interface 1003, network interface 1004, memory 1005.Wherein,
Communication bus 1002 is for realizing the connection communication between these components.User interface 1003 may include tangible display screen,
Voice recognition unit etc., optionally, user interface 1003 can also include standard wireline interface and wireless interface.Network interface
1004 may include optionally standard wireline interface and wireless interface (such as Wireless Fidelity (WIreless-FIdelity, WI-FI)
Interface, blue tooth interface etc.).Memory 1005 can be high speed RAM memory, be also possible to stable memory (non-
Volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor 1001
Storage device.
It will be understood by those skilled in the art that structure shown in Fig. 1 does not constitute the restriction to terminal device, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
Therefore, as shown in Figure 1, as may include in a kind of memory 1005 of computer storage medium operating system,
Management program after network communication module, Subscriber Interface Module SIM and throwing.
In terminal device shown in Fig. 1, network interface 1004 is mainly with the use for establishing terminal device Yu each business personnel
The communication connection of the data platform of the current company information of the enterprise of family terminal and the offer management phase after throwing；User interface
1003 are mainly used for receiving the input instruction of user；The terminal device is called in memory 1005 by processor 1001 and is stored
Throwing after management program, and execute following operation:
Obtain the current company information of the enterprise of the management phase after throwing；
According to the company information, Default Probability value existing for the enterprise is determined；
According to the company information, the business for docking the enterprise is found out in the first mapping table constructed in advance
The information of personnel, first mapping table are corresponding between the enterprise transaction odd numbers signed and the business personnel
Relationship, the trade order number carry the identification number for identifying enterprise's uniqueness；
According to the information of the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation instruction, so that described
Business personnel, which verifies the enterprise, whether there is default risk；
The survey information for receiving the user terminal feedback of the business personnel, it is general according to the survey information and the promise breaking
The adjustment of rate value is for the accrediting amount of the enterprise and early warning rule.
Further, processor 1001 can call management program after the throwing stored in memory 1005, also execute following
Operation:
Obtain the current debt data of the enterprise carried in the company information；
Based on Default Probability model, the debt data of the enterprise are calculated, the promise breaking for obtaining the enterprise is implemented
Point；
Implement point according to the promise breaking, calculates the illegal building of the enterprise；
According to the illegal building, the corresponding institute of the illegal building is searched in the second mapping table constructed in advance
The default rate of violation of enterprise is stated, second mapping table is between the illegal building and the default rate of violation of the enterprise
Corresponding relationship；
The default rate of violation that will be found, the Default Probability value as the enterprise.
Further, processor 1001 can call management program after the throwing stored in memory 1005, also execute following
Operation:
Obtain the initial market value of the assets of the enterprise carried in the company information, the stability bandwidth of return on assets, money
The expectation net income ratio and expiration time of production；
Based on Option Pricing Formula, the initial market value of point and the assets, the wave of return on assets are implemented according to the promise breaking
The expectation net income ratio and expiration time of dynamic rate, assets, determine the illegal building of the enterprise.
Further, processor 1001 can call management program after the throwing stored in memory 1005, also execute following
Operation:
The identification number for identifying enterprise's uniqueness is obtained from the company information；
According to the identification number, the transaction odd numbers for carrying the identification number is searched in first mapping table；
According to the transaction odd numbers, business people corresponding with the transaction odd numbers is searched in first mapping table
Member；
The corresponding information of the business personnel that acquisition is found, the corresponding information of the business personnel that will be found,
Information as the business personnel for docking the enterprise.
Further, processor 1001 can call management program after the throwing stored in memory 1005, also execute following
Operation:
Judge whether the Default Probability value is greater than the first Default Probability threshold value；
Correspondingly, described according to the company information, docking institute is found out in the first mapping table constructed in advance
The business personnel's information for stating enterprise, specifically includes:
If it is determined that the Default Probability value is greater than the first Default Probability threshold value, then according to the company information, pre-
The business personnel's information for docking the enterprise is found out in the first mapping table first constructed.
Further, processor 1001 can call management program after the throwing stored in memory 1005, also execute following
Operation:
Judge whether the Default Probability value is greater than the second Default Probability threshold value；
Correspondingly, the determination Default Probability value is greater than the first Default Probability threshold value, is believed according to the enterprise
Breath, the business personnel's information for docking the enterprise is found out in the first mapping table constructed in advance, is specifically included:
If it is determined that the Default Probability value is less than the second Default Probability threshold value, then according to the company information, pre-
The business personnel's information for docking the enterprise is found out in the first mapping table first constructed；
If it is determined that the Default Probability value is greater than the second Default Probability threshold value, then start preset emergency plan, together
When according to the company information, found out in the first mapping table constructed in advance dock the enterprise business personnel letter
Breath.
Further, processor 1001 can call management program after the throwing stored in memory 1005, also execute following
Operation:
The first time that current system is shown is obtained, using the first time as the time for issuing the investigation instruction；
Correspondingly, after the survey information of the user terminal feedback for receiving the business personnel, the method is also wrapped
It includes:
The second time that current system is shown is obtained, using second time as the time for receiving the survey information；
According to the first time and second time, determine that the business personnel verifies the enterprise with the presence or absence of separated
About verification duration used in risk；
The verification duration is stored in business personnel's table of merit rating, as the reference standard for examining business personnel's achievement.
This implementation through the above scheme, the current company information of the enterprise of management phase after throwing is in by acquisition, then
It is corresponding between the transaction odd numbers and business personnel that enterprise signs for storing from what is constructed in advance according to the company information of the enterprise
The business personnel for docking the enterprise is found out in the mapping relations of relationship, and issuing verification to the user terminal of the business personnel should
Enterprise instructs with the presence or absence of the investigation of default risk, so as to accurately navigate to the specific business personnel for being responsible for the enterprise,
The effect that everyone has responsibility is realized, and then greatly improves the processing speed of business personnel.
In addition, after issuing investigation instruction, the survey information for the enterprise fed back by receiving business personnel, and
Default Probability value existing for the enterprise determined according to the above-mentioned company information got, to adjust the credit volume for the enterprise
Degree and early warning rule, to also effectively improve financial institution while facilitating enterprise to borrow or lend money and evade to risk.
Based on above-mentioned hardware configuration, management method embodiment after present invention throwing is proposed.
It is the flow diagram of management method first embodiment after the present invention is thrown referring to Fig. 2, Fig. 2.
In the first embodiment, after the throwing management method the following steps are included:
S10: the current company information of the enterprise of the management phase after throwing is obtained.
Specifically, the executing subject of management method manages function after can be any support throwing after described throwing in the present embodiment
Can terminal device, such as smart phone, tablet computer, personal computer are also possible to be deployed with the object of management program after throwing
Server or virtual Cloud Server are managed, will not enumerate, be also not particularly limited herein.
However, it should be understood that the above-mentioned described enterprise of management phase, in particular to current time after throwing are
Before being completed the throwing of the transaction such as investment, debt-credit, link was made a basket, supervises link after entering last throwing.
For the ease of subsequent descriptions, the executing subject of management method after throwing is known as managing platform after throwing below.
In addition, for the ease of managing after throwing, it is current that the enterprise of management phase after throwing that platform obtains is managed after throwing
Company information can specifically include the title of enterprise, address, the open corporate message of channel, the industrial and commercial registration number of enterprise, credit
Code etc., so as to make the operation of the subsequent business personnel for searching the docking enterprise more quick and precisely.
Further, in order to enable Default Probability existing for the enterprise of subsequent determination is worth more accurate, above-mentioned company information
It can also current management state, funds flow, public praise public sentiment, co-related risks etc. including enterprise.
In addition, it is noted that managing the enterprise that platform obtains the management phase after throwing in the concrete realization, after throwing
The mode of current company information can be by the way of obtaining from special enterprise supervision platform, for example financial institution exists
When signing trade order with enterprise, by allowing enterprise to close in current special enterprise supervision platform, or with the financial institution
Register account number in the enterprise supervision platform of work, and related certificate information is added, such as the title of enterprise, address, the method for disclosing channel
People's information, the industrial and commercial registration number of enterprise, credit code etc., thus after completion of transactions, in investment, lend-borrow action duration,
The information that management phase can continue through enterprise's offer after throwing is monitored enterprise, and is demonstrate,proved according to the related of enterprise's addition
Part information collects the relevant information of the enterprise, such as current management state, funds flow, public praise public sentiment, pass from internet
Join risk etc., so that management platform can be according to predetermined period from enterprise after throwing connect with enterprise supervision Platform communication
Industry monitor supervision platform obtains the relevant information of the enterprise needed, or is monitoring that company information changes by enterprise supervision platform
When, active push manages platform after giving throwing.
In addition, management platform obtains the mode of the current company information of enterprise of the management phase after throwing after throwing, it can also
To be by managing platform after throwing using crawler technology, the company information node used as needed is obtained from related web site and is needed
Information.
It should be noted that having the above is only for example, not constituting any restriction to technical solution of the present invention
During body is realized, those skilled in the art can according to need the particular content for needing to carry in setting company information, and obtain
The concrete mode of company information is taken, herein with no restrictions.
S20: according to the company information, Default Probability value existing for the enterprise is determined.
In order to make it easy to understand, being given below a kind of according to the company information, Default Probability existing for the enterprise is determined
The specific implementation of value, specific as follows:
Firstly, obtaining the current debt data of the enterprise carried in the company information.
Then, it is based on Default Probability model, the debt data of the enterprise are calculated, the promise breaking of the enterprise is obtained
Implement point.
Such as using more mature KMV (Credit Monitor Model) model.Due to the use of KMV model
It has been relatively mature, those skilled in the art can realize that details are not described herein again by searching for related data.
In addition, the enterprise obtained above promise breaking implement point, i.e. default exercise point, in particular to
Half of the value of enterprise 1 year or less floating debt plus the long-term debt book value that do not clear off.
Then, point is implemented according to the promise breaking, calculates the illegal building of the enterprise, i.e., when the enterprise may occur
Promise breaking.
Specifically, the calculating about the illegal building of the enterprise, substantially process are as follows:
Step 1: obtaining the fluctuation of the initial market value, return on assets of the assets of the enterprise carried in the company information
The expectation net income ratio and expiration time of rate, assets.
Step 2: being based on Option Pricing Formula, the initial market value of point and the assets is implemented according to the promise breaking, assets are received
The expectation net income ratio and expiration time of beneficial stability bandwidth, assets, determine the illegal building of the enterprise.
Specifically, for ease of calculation, in the concrete realization, the Option Pricing Formula of selection can be existing B-
M-S Option Pricing Formula, i.e. Black-Scholes-Merton Option Pricing Formula, specific as follows:
Wherein, DD is the illegal building of the enterprise, V0For the initial market value of the assets of the enterprise, T is described current
Time, DPTTImplement point, σ for the promise breaking at T momentλFor the stability bandwidth of return on assets, μλFor the expectation net income ratio of the assets.
By above-mentioned formula it is not difficult to find that by bringing each parameter into the formula, can be obtained the promise breaking of the enterprise away from
From DD.
Since the use of B-M-S Option Pricing Formula have been relatively mature, those skilled in the art can be by searching for
Related data realizes that details are not described herein again.
Then, according to the illegal building, the illegal building pair is searched in the second mapping table constructed in advance
The default rate of violation for the enterprise answered.
Specifically, what is stored in the second mapping table described herein is specially the illegal building and the enterprise
Default rate of violation between corresponding relationship.
It should be noted that the default rate of violation of the above-mentioned described enterprise is specifically by the professional people in credit agency
The promise breaking feelings that member is easy to appear under different illegal buildings according to every rule existing in the industry, index and data and enterprise
Condition, analyzes a determining relatively reasonable value, for example in the time that the corresponding enterprise of illegal building is likely to occur promise breaking is 1
When the moon, 80% is set by the default rate of violation of the enterprise；At 6 months, it is set as 50%；At 1 year, it is set as 20%.
That is, default rate of violation is mainly to be likely to occur corresponding illegal building when promise breaking according to enterprise to determine.
The corresponding time interval current time of illegal building is closer, and the time for leaving business personnel's verification for is shorter, and risk is made by credit agency
Evade, the time recalled a loan is also shorter, and the risk to be born of such credit agency will be bigger, thus is enterprise in this case
The illegal building setting that promise breaking phenomenon more early (the time interval current time that may break a contract is closer) occurs in industry is relatively high
Default rate of violation；Conversely, relatively low default rate of violation is then arranged.
Also, in the concrete realization, those skilled in the art can according to need, and it is corresponding same that multiple illegal buildings are arranged
One default rate of violation, for example by the time that enterprise is likely to occur promise breaking be that illegal building between 1 month to 3 months is corresponding
It is right for the illegal building between 1 year to 2 years to be likely to occur the time of promise breaking by the same default rate of violation, such as 80% for enterprise
The same default rate of violation is answered, such as 20%.
It should be noted that having the above is only for example, not constituting any restriction to technical solution of the present invention
During body is realized, those skilled in the art can according to need pair being arranged between the illegal building and the default rate of violation
It should be related to, and the setting of default rate of violation, the risk averse that can be formulated according to credit agency requires rationally setting, herein not
It is limited.
Finally, the default rate of violation that will be found, the Default Probability value as the enterprise.
It should be noted that it is given above the operation for determining Default Probability value existing for the enterprise, it is only a kind of
Concrete implementation mode, in a particular application, those skilled in the art can according to need the suitable method of determination of setting, this
Place is with no restrictions.
It should be noted that be given above it is only a kind of according to the company information, determine existing for the enterprise disobey
The about specific implementation of probability value does not constitute any restriction, in the concrete realization, this field to technical solution of the present invention
Technical staff can according to need setting whether need to regularly update the corresponding default rate of violation of enterprise, herein with no restrictions.
S30: according to the company information, the docking enterprise is found out in the first mapping table constructed in advance
The information of business personnel.
Specifically, what is stored in the first mapping table described in the present embodiment is specially the friendship that the enterprise signs
Corresponding relationship between easy odd numbers and the business personnel.
In addition, needing to carry mark institute in above-mentioned trade order number to quickly position the business personnel of docking enterprise
State the identification number of enterprise's uniqueness, such as the industrial and commercial registration number of enterprise.
It should be noted that having the above is only for example, not constituting any restriction to technical solution of the present invention
During body is realized, those skilled in the art, which can according to need setting, can be identified for that the identification number of enterprise's uniqueness, not do herein
Limitation.
It is described according to the company information in step S30 in order to facilitate understanding, in the first mapping relations constructed in advance
The realization process for docking the information of business personnel of the enterprise is found out in table, is specifically described below:
Specifically, being found out described in docking in the first mapping table constructed in advance according to the company information
When the information of the business personnel of enterprise, the identification number for identifying enterprise's uniqueness is first obtained from the company information, is such as looked forward to
The industrial and commercial registration number of industry；Then, it according to the identification number, is searched in first mapping table and carries the identification number
Transaction odd numbers；Then, it according to the transaction odd numbers, is searched in first mapping table corresponding with the transaction odd numbers
Business personnel；Finally, the corresponding information of the business personnel found is obtained, the business personnel found is corresponding
Information, the information as the business personnel for docking the enterprise.
Further, it in order to not increase extra workload to business personnel as far as possible, while reducing and being brought to enterprise
Bad experience, i.e., as far as possible reduce business personnel get involved in the investigation in the case where enterprise is in the good situation of credit, executing step
Before rapid S30, can first judge whether the Default Probability value is greater than the first Default Probability threshold value, then described in the determination
When Default Probability value is greater than the first Default Probability threshold value, just according to the company information, in the first mapping constructed in advance
The business personnel's information for docking the enterprise is found out in relation table.That is, determining the Default Probability value greater than institute
When stating the first Default Probability threshold value, investigation instruction just is issued to the user terminal of business personnel, so that business personnel gets involved in the investigation.
Further, in order to effectively reduce the loss of financial institution, it is horizontal to improve risk averse, is determining the promise breaking
Probability value is greater than the first Default Probability threshold value, according to the company information, in the first mapping table constructed in advance
Before finding out the business personnel's information for docking the enterprise, it can also further judge whether the Default Probability value is greater than
Two Default Probability threshold values, then when determining that the Default Probability value is less than the second Default Probability threshold value, just according to
Company information finds out the business personnel's information for docking the enterprise in the first mapping table constructed in advance；Otherwise, it holds
Row starts preset emergency plan, while according to the company information, finding out in the first mapping table constructed in advance
Dock the operation of business personnel's information of the enterprise.
Specifically, above-mentioned described the first Default Probability threshold value (judge enterprise with the presence or absence of the critical value broken a contract) and the
Two Default Probability threshold values can be related certificate information and the current management state of enterprise, funds flow, public praise according to enterprise
What public sentiment, co-related risks etc. determined, and the second Default Probability threshold value is higher than the first Default Probability threshold value, such as the first promise breaking
Probability threshold value is 25%, i.e., when calculating the enterprise's Default Probability value obtained no more than 25%, it is believed that the enterprise has good
Good credit, is substantially not present violation of agreement；Second Default Probability threshold value is 60%, i.e., when the enterprise's Default Probability for calculating acquisition
When value has been over 60%, illustrate that the enterprise has already appeared promise breaking phenomenon, or breaking a contract, at this moment in notice business
While personnel get involved in the investigation, platform is managed in order to reduce the loss of financial institution as far as possible, after throwing and just needs to directly initiate
Preset emergency plan, for example the new business application of the enterprise and its affiliated person in the financial institution is limited, to what is occurred
Loan, investment behavior take the measures such as withdrawal in advance.
It should be noted that having the above is only for example, not constituting any restriction to technical solution of the present invention
During body is realized, those skilled in the art can according to need the first Default Probability threshold value of setting and the second Default Probability threshold value,
Herein with no restrictions.
S40: according to the information of the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation instruction, so that
The business personnel, which verifies the enterprise, whether there is default risk.
For example, obtaining the telephone number prestored, instant messaging account (such as QQ from the information that the business personnel reserves
Number, WeChat ID), mailbox etc., then using preset mode, such as transmitting short message, instant communication information, mail etc., Xiang Suoshu
The user terminal of business personnel issues investigation instruction, so that the business personnel verifies the enterprise and whether there is default risk.
Further, can at least be carried in the user terminal of Xiang Suoshu business personnel issues investigation instruction with it is described
There may be the Default Probability values of default risk for the transaction odd numbers of enterprise's signing and the enterprise, so that business personnel can
Timely learning is oneself that responsible transaction, and according to the height of Default Probability value, can be received at the same time multiple
When the business for needing to verify, can reasonable arrangement verify work, priority processing Default Probability value is high, and risk is preferably minimized.
S50: receive the business personnel user terminal feedback survey information, according to the survey information and it is described disobey
About probability value adjustment is for the accrediting amount of the enterprise and early warning rule.
Specifically, what is specifically included in above-mentioned described early warning rule is the first Default Probability threshold value and the second promise breaking
The selection of probability threshold value, i.e., when which range is Default Probability value be in, it is believed that be it is normal, when in which range, need
Business personnel gets involved in the investigation, and when in which range, needs preferentially to start emergency plan, while to the user terminal of business personnel
Issue investigation instruction.
In addition, about the accrediting amount for being directed to the enterprise according to the survey information and Default Probability value adjustment
Mode specifically can be after business personnel is by verifying, if default risk is not present in discovery enterprise, and can go back in advance
Money can then promote the accrediting amount of the enterprise, so that the enterprise is when carrying out debt-credit transaction next time, can obtain higher borrow
Borrow amount.
If by verify, determine that there are default risks for the enterprise, although such as current debt-credit be possible to pay off, deposit
Postpone refund, and enterprise development and policy allow of no optimist, then can suitably reduce the accrediting amount of the enterprise.
In addition, it is noted that when adjusting the accrediting amount and early warning rule, it is also contemplated that the hair in enterprise's future
Exhibition, if verified, determines that the development in enterprise future can be all well and good, and run and stablize, fund whereabouts unknown is not present etc.
Situation can then relax the early warning to the enterprise, and improve its accrediting amount；Anyway, then the early warning to the enterprise is improved, and is dropped
Its low accrediting amount.
It should be noted that above-mentioned, provide is only a kind of to adjust needle according to the survey information and the Default Probability value
The specific implementation of the accrediting amount and early warning rule to the enterprise, any limit is not constituted to technical solution of the present invention
Fixed, in a particular application, those skilled in the art, which can according to need, to be configured, and the present invention is without limitation.
By foregoing description it is not difficult to find that management method after the throwing provided in the present embodiment, manages platform by obtaining after throwing
The current company information of enterprise of the management phase after throwing is taken, then according to the company information of the enterprise from the use constructed in advance
It is found out in the mapping relations of corresponding relationship between transaction odd numbers and the business personnel that storage enterprise signs and docks the enterprise
Business personnel, and the investigation instruction for verifying the enterprise with the presence or absence of default risk is issued to the user terminal of the business personnel, from
And the specific business personnel for being responsible for the enterprise can be accurately navigated to, the effect that everyone has responsibility is realized, and then greatly promote
The processing speed of business personnel.
In addition, after issuing investigation instruction, the survey information for the enterprise fed back by receiving business personnel, and
Default Probability value existing for the enterprise determined according to the above-mentioned company information got, to adjust the credit volume for the enterprise
Degree and early warning rule, to also effectively improve financial institution while facilitating enterprise to borrow or lend money and evade to risk.
Further, in order to realize resource-sharing, remind other business personnels or other financial institutions can be to pass through
When management determines that the enterprise that there is promise breaking handles lending and borrowing business after above-mentioned throwing, careful consideration, and risk is preferably assessed, in basis
It, can will be upper after the survey information and Default Probability value adjustment are for the accrediting amount of the enterprise and early warning rule
The company information and survey information for stating enterprise are stored in together in the enterprise's shared library being pre-created, specifically can be total in the enterprise
It enjoys in library, is refined as enterprise's white list (the good enterprise of credit) and enterprise's blacklist (the low enterprise of credit) is saved.
Further, as shown in figure 3, proposing the second embodiment of management method after present invention throwing based on first embodiment,
In the present embodiment, need according to the time for issuing the investigation instruction and receive time of the survey information, determine described in
Business personnel verifies the enterprise with the presence or absence of verification duration used in default risk, and using the suitable duration as described in examination
The reference standard of business personnel's achievement, to dispatch the work incentive of business personnel.Concrete implementation mode, is detailed in Fig. 3
Step S01, step S02, step S03 and step S04.
Specifically, after the step s 40, step S01 is executed, obtains the first time that current system is shown, by described the
One time is as the time for issuing the investigation instruction.
Correspondingly, after step S50, step S02 is executed, obtains the second time for showing of current system, by described the
Two times are as the time for receiving the survey information.
Then, execute step S03, according to the first time and second time (making the difference the two), determine described in
Business personnel verifies the enterprise with the presence or absence of verification duration used in default risk.
Finally, executing step S04, the verification duration is stored in business personnel's table of merit rating, as the examination business people
The reference standard of member's achievement.
It should be noted that having the above is only for example, not constituting any restriction to technical solution of the present invention
In body application, those skilled in the art, which can according to need, to be configured, and the present invention is without limitation.
By foregoing description it is not difficult to find that management method after throwing provided in this embodiment, by the way that work and business will be verified
The performance of personnel is linked up with, and so as to supervise business personnel to verify in time, and then promotes the working efficiency managed after throwing.
In addition, the embodiment of the present invention also proposes managing device after a kind of throwing.As shown in figure 4, managing device includes: after the throwing
Obtain module 4001, determining module 4002, searching module 4003, sending module 4004, receiving module 4005 and adjustment module
4006。
Wherein, module 4001 is obtained, the current company information of the enterprise for obtaining the management phase after throwing.Determine mould
Block 4002, for determining Default Probability value existing for the enterprise according to the company information.Searching module 4003 is used for root
According to the company information, the letter for docking the business personnel of the enterprise is found out in the first mapping table constructed in advance
Breath.Sending module 4004, for the information according to the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation and refers to
It enables, so that the business personnel verifies the enterprise and whether there is default risk.Receiving module 4005, for receiving the business
The survey information of the user terminal feedback of personnel.Module 4006 is adjusted, for according to the survey information and the Default Probability
Value adjustment is for the accrediting amount of the enterprise and early warning rule.
Specifically, what is stored in the first mapping table described in the present embodiment is specially the friendship that the enterprise signs
Corresponding relationship between easy odd numbers and the business personnel.
In addition, needing to carry mark institute in above-mentioned trade order number to quickly position the business personnel of docking enterprise
State the identification number of enterprise's uniqueness, such as the industrial and commercial registration number of enterprise.
It should be noted that having the above is only for example, not constituting any restriction to technical solution of the present invention
During body is realized, those skilled in the art, which can according to need setting, can be identified for that the identification number of enterprise's uniqueness, not do herein
Limitation.
By foregoing description it is not difficult to find that managing device after the throwing provided in the present embodiment, is managed after throwing by obtaining
Then the current company information of the enterprise in reason stage is signed from what is constructed in advance for storing enterprise according to the company information of the enterprise
Find out the business personnel for docking the enterprise between transaction odd numbers and the business personnel ordered in the mapping relations of corresponding relationship, and to
The user terminal of the business personnel issues the investigation instruction for verifying the enterprise with the presence or absence of default risk, so as to accurately fixed
Position realizes the effect that everyone has responsibility, and then greatly improve the place of business personnel to the specific business personnel for being responsible for the enterprise
Manage speed.In addition, after issuing investigation instruction, the survey information for the enterprise fed back by receiving business personnel, and
Default Probability value existing for the enterprise determined according to the above-mentioned company information got, to adjust the credit volume for the enterprise
Degree and early warning rule, to also effectively improve financial institution while facilitating enterprise to borrow or lend money and evade to risk.
It should be noted that workflow described above is only schematical, not to protection model of the invention
Enclose composition limit, in practical applications, those skilled in the art can select according to the actual needs part therein or
It all achieves the purpose of the solution of this embodiment, herein with no restrictions.
In addition, the not technical detail of detailed description in the present embodiment, reference can be made to provided by any embodiment of the invention
Management method after throwing, details are not described herein again.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with management program after throwing, management program realizes following operation when being executed by processor after the throwing:
The current company information of the enterprise of platform acquisition management phase after throwing is managed after throwing；
According to the company information, Default Probability value existing for the enterprise is determined；
According to the company information, the business for docking the enterprise is found out in the first mapping table constructed in advance
The information of personnel, first mapping table are corresponding between the enterprise transaction odd numbers signed and the business personnel
Relationship, the trade order number carry the identification number for identifying enterprise's uniqueness；
According to the information of the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation instruction, so that described
Business personnel, which verifies the enterprise, whether there is default risk；
The survey information for receiving the user terminal feedback of the business personnel, it is general according to the survey information and the promise breaking
The adjustment of rate value is for the accrediting amount of the enterprise and early warning rule.
Further, following operation is also realized when management program is executed by processor after the throwing:
Obtain the current debt data of the enterprise carried in the company information；
Based on Default Probability model, the debt data of the enterprise are calculated, the promise breaking for obtaining the enterprise is implemented
Point；
Implement point according to the promise breaking, calculates the illegal building of the enterprise；
According to the illegal building, the corresponding institute of the illegal building is searched in the second mapping table constructed in advance
The default rate of violation of enterprise is stated, second mapping table is between the illegal building and the default rate of violation of the enterprise
Corresponding relationship；
The default rate of violation that will be found, the Default Probability value as the enterprise.
Further, following operation is also realized when management program is executed by processor after the throwing:
Obtain the initial market value of the assets of the enterprise carried in the company information, the stability bandwidth of return on assets, money
The expectation net income ratio and expiration time of production；
Based on Option Pricing Formula, the initial market value of point and the assets, the wave of return on assets are implemented according to the promise breaking
The expectation net income ratio and expiration time of dynamic rate, assets, determine the illegal building of the enterprise.
Further, following operation is also realized when management program is executed by processor after the throwing:
The identification number for identifying enterprise's uniqueness is obtained from the company information；
According to the identification number, the transaction odd numbers for carrying the identification number is searched in first mapping table；
According to the transaction odd numbers, business people corresponding with the transaction odd numbers is searched in first mapping table
Member；
The corresponding information of the business personnel that acquisition is found, the corresponding information of the business personnel that will be found,
Information as the business personnel for docking the enterprise.
Further, following operation is also realized when management program is executed by processor after the throwing:
Judge whether the Default Probability value is greater than the first Default Probability threshold value；
Correspondingly, described according to the company information, docking institute is found out in the first mapping table constructed in advance
The business personnel's information for stating enterprise, specifically includes:
If it is determined that the Default Probability value is greater than the first Default Probability threshold value, then according to the company information, pre-
The business personnel's information for docking the enterprise is found out in the first mapping table first constructed.
Further, following operation is also realized when management program is executed by processor after the throwing:
Judge whether the Default Probability value is greater than the second Default Probability threshold value；
Correspondingly, the determination Default Probability value is greater than the first Default Probability threshold value, is believed according to the enterprise
Breath, the business personnel's information for docking the enterprise is found out in the first mapping table constructed in advance, is specifically included:
If it is determined that the Default Probability value is less than the second Default Probability threshold value, then according to the company information, pre-
The business personnel's information for docking the enterprise is found out in the first mapping table first constructed；
If it is determined that the Default Probability value is greater than the second Default Probability threshold value, then start preset emergency plan, together
When according to the company information, found out in the first mapping table constructed in advance dock the enterprise business personnel letter
Breath.
Further, following operation is also realized when management program is executed by processor after the throwing:
The first time that current system is shown is obtained, using the first time as the time for issuing the investigation instruction；
Correspondingly, after the survey information of the user terminal feedback for receiving the business personnel, the method is also wrapped
It includes:
The second time that current system is shown is obtained, using second time as the time for receiving the survey information；
According to the first time and second time, determine that the business personnel verifies the enterprise with the presence or absence of separated
About verification duration used in risk；
The verification duration is stored in business personnel's table of merit rating, as the reference standard for examining business personnel's achievement.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. management method after a kind of throwing, which is characterized in that the described method comprises the following steps:
Obtain the current company information of the enterprise of the management phase after throwing；
According to the company information, Default Probability value existing for the enterprise is determined；
According to the company information, the business personnel for docking the enterprise is found out in the first mapping table constructed in advance
Information, first mapping table be the enterprise sign transaction odd numbers and the business personnel between it is corresponding close
System, the trade order number carry the identification number for identifying enterprise's uniqueness；
According to the information of the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation instruction, so that the business
Personnel, which verify the enterprise, whether there is default risk；
The survey information for receiving the user terminal feedback of the business personnel, according to the survey information and the Default Probability value
Adjustment is for the accrediting amount of the enterprise and early warning rule.
2. it is as described in claim 1 throw after management method, which is characterized in that it is described according to the company information, determine described in
Default Probability value existing for enterprise, specifically includes:
Obtain the current debt data of the enterprise carried in the company information；
Based on Default Probability model, the debt data of the enterprise are calculated, point is implemented in the promise breaking for obtaining the enterprise；
Implement point according to the promise breaking, calculates the illegal building of the enterprise；
According to the illegal building, the corresponding enterprise of the illegal building is searched in the second mapping table constructed in advance
The default rate of violation of industry, pair of second mapping table between the illegal building and the default rate of violation of the enterprise
It should be related to；
The default rate of violation that will be found, the Default Probability value as the enterprise.
3. management method after throwing as claimed in claim 2, which is characterized in that it is described that point is implemented according to the promise breaking, calculate institute
The illegal building for stating enterprise, specifically includes:
Obtain the initial market value of assets of the enterprise carried in the company information, the stability bandwidth of return on assets, assets
It is expected that net income ratio and expiration time；
Based on Option Pricing Formula, according to the promise breaking implement the initial market value of point and the assets, return on assets stability bandwidth,
The expectation net income ratio and expiration time of assets, determine the illegal building of the enterprise.
4. management method after throwing as described in any one of claims 1 to 3, which is characterized in that it is described according to the company information,
The information for docking the business personnel of the enterprise is found out in the first mapping table constructed in advance, is specifically included:
The identification number for identifying enterprise's uniqueness is obtained from the company information；
According to the identification number, the transaction odd numbers for carrying the identification number is searched in first mapping table；
According to the transaction odd numbers, business personnel corresponding with the transaction odd numbers is searched in first mapping table；
The corresponding information of the business personnel that acquisition is found, the corresponding information of the business personnel that will be found, as
Dock the information of the business personnel of the enterprise.
5. management method after throwing as claimed in claim 4, which is characterized in that it is described according to the company information, in preparatory structure
Before finding out the business personnel's information for docking the enterprise in the first mapping table built, the method also includes:
Judge whether the Default Probability value is greater than the first Default Probability threshold value；
Correspondingly, described according to the company information, the docking enterprise is found out in the first mapping table constructed in advance
Business personnel's information of industry, specifically includes:
If it is determined that the Default Probability value is greater than the first Default Probability threshold value, then according to the company information, in preparatory structure
The business personnel's information for docking the enterprise is found out in the first mapping table built.
6. management method after throwing as claimed in claim 5, which is characterized in that the determination Default Probability value is greater than described
First Default Probability threshold value is found out described in docking in the first mapping table constructed in advance according to the company information
Before business personnel's information of enterprise, the method also includes:
Judge whether the Default Probability value is greater than the second Default Probability threshold value；
Correspondingly, the determination Default Probability value is greater than the first Default Probability threshold value, according to the company information,
The business personnel's information for docking the enterprise is found out in the first mapping table constructed in advance, is specifically included:
If it is determined that the Default Probability value is less than the second Default Probability threshold value, then according to the company information, in preparatory structure
The business personnel's information for docking the enterprise is found out in the first mapping table built；
If it is determined that the Default Probability value is greater than the second Default Probability threshold value, then start preset emergency plan, while root
According to the company information, the business personnel's information for docking the enterprise is found out in the first mapping table constructed in advance.
7. management method after throwing as described in any one of claims 1 to 3, which is characterized in that described according to the business personnel
Information, the user terminal of Xiang Suoshu business personnel issue investigation instruction after, the method also includes:
The first time that current system is shown is obtained, using the first time as the time for issuing the investigation instruction；
Correspondingly, after the survey information of the user terminal feedback for receiving the business personnel, the method also includes:
The second time that current system is shown is obtained, using second time as the time for receiving the survey information；
According to the first time and second time, determine that the business personnel verifies the enterprise with the presence or absence of promise breaking wind
Verification duration used in danger；
The verification duration is stored in business personnel's table of merit rating, as the reference standard for examining business personnel's achievement.
8. managing device after a kind of throwing, which is characterized in that described device includes:
Module is obtained, the current company information of the enterprise for obtaining the management phase after throwing；
Determining module, for determining Default Probability value existing for the enterprise according to the company information；
Searching module, for being found out described in docking in the first mapping table constructed in advance according to the company information
The information of the business personnel of enterprise, first mapping table are the transaction odd numbers and the business personnel that the enterprise signs
Between corresponding relationship, the trade order number carries the identification number for identifying enterprise's uniqueness；
Sending module, for the information according to the business personnel, the user terminal of Xiang Suoshu business personnel issues investigation instruction,
So that the business personnel verifies the enterprise and whether there is default risk；
Receiving module, the survey information that the user terminal for receiving the business personnel is fed back；
Adjust module, for according to the survey information and the Default Probability value adjustment for the enterprise the accrediting amount and
Early warning rule.
9. a kind of terminal device, which is characterized in that the terminal device includes: memory, processor and is stored in described deposit
Management program on reservoir and after the throwing that can run on the processor, management program is arranged for carrying out right such as and wants after the throwing
The step of seeking management method after 1 to 7 described in any item throwings.
10. a kind of computer readable storage medium, which is characterized in that managed after being stored with throwing on the computer readable storage medium
Program is managed, manager after throwing as described in any one of claim 1 to 7 is realized when management program is executed by processor after the throwing
The step of method.
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| CN111429283A (en) * | 2020-03-27 | 2020-07-17 | 中国建设银行股份有限公司 | Noble metal transaction management platform, management method and storage medium |
| CN112016795A (en) * | 2020-07-15 | 2020-12-01 | 北京淇瑀信息科技有限公司 | Method, device and system for adjusting parallel resource quota |
| CN114553824A (en) * | 2021-12-31 | 2022-05-27 | 深圳市梦网科技发展有限公司 | Method, system, terminal device and medium for maintaining enterprise channel number |
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