CN109754132A - A kind of ladder level credit estimation method and assessment system - Google Patents
A kind of ladder level credit estimation method and assessment system Download PDFInfo
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Abstract
The invention discloses a kind of ladder level credit estimation method and systems.Appraisal procedure includes: to collect various evidence obtaining records related with evaluated unit and associated credit data to establish the relevant credit problems element card mold type of the unit according to evidence obtaining record and sample data；Credit problems element card Content Transformation is further processed the preset credit score ladder Rating Model of each three-level index and matched scoring template to the superiority and inferiority rewards and punishments that index executes at index weight system by technical method；Institutional framework is divided into four units by ladder level, the included index weights on evidence of institutional framework will be related to and be converted to authorizable responsible party's range.Assessment system includes kernel model building module, data acquisition module, evidence logging modle, conversion module, computing module etc..The appraisal procedure and system are able to ascend the quality of credit evaluation data, ensure authenticity, comprehensive, the confidence level of raising credit evaluation result of credit evaluation data.
Description
Technical field
The invention belongs to credit management technical field, be related to a kind of credit estimation method and system, in particular to some groups
Knit that structure is fairly perfect, the units such as the more various enterprises of professional post setting, cause, administration, from institutional framework
Inside is divided into the method and system that relatively independent multiple units carry out credit evaluation, i.e., a kind of ladder level by ladder level
Credit estimation method and assessment system.
Background technique
With the development of the modern science and technology of society, society's division of labor based on specialization is more and more thinner, and credit management subject is at me
It is more and more important in the process of state's social development.In order to promote the management conflict of the units such as enterprise, cause, administration,
Promote the industrial upgrading of enterprises and institutions and establish and improve legal society, is layered from institutional framework inner step, to refine
Credit information initial data is extracted, the credit data for meeting objective fact is formed, can be presented at many levels, more fully, content
Abundant, type is more, more reliable credit report and reference product.
The data of most of reference report acquisition at present, legal basis is not clear enough, difficulty of calling to account, especially group
When being woven in inter-trade, cross-system or utilizing information across tissue, it will meet difficulty, cause the waste of a large amount of social resources, possess
High quality, error in data source can be investigated, timely correction, consistency, the data of integrality are the current task of top priority, society
It is in big data era, organization and administration are increasingly dependent on data, if the quality of data cannot be promoted, to ensure credit evaluation number
According to authenticity, comprehensive, credit evaluation result does not just have confidence level.
Summary of the invention
It is an object of the invention to: one kind is provided and is suitable in assessment constituent parts organization management structure, up and down each flight
The credit estimation method and system of each management tissue, manager and the scoring of the credit score ladder for the person of being managed in secondary, i.e., one
Kind ladder level credit estimation method and assessment system.
Technical scheme is as follows:
A kind of ladder level credit estimation method provided by the invention, by each management in the institutional framework of evaluated unit
It organizes and the person of being managed by ladder level is divided into four general headquarters, section/department, group, employee levels, be set to relatively independent
Four units；Firstly, establishing the evaluation problem element card mold type of evaluated unit；Then, by the evaluation problem of evaluated unit
Data target system is divided into three grades at data target system by the Content Transformation in element card mold type, will wherein third
The index weights numerical value of a grade is put into preset credit score ladder Rating Model, by the index weights of evaluated unit
Numerical value is integrated again in four units by preset scoring template in credit score ladder Rating Model with integrated form
Distribution；Later, the integral of four units is carried out summarizing calculating, generates the credit score number with evident feature of four units
According to weighted value, according to these credit score data weighting values, can produce respectively the total credit scoring value of the evaluated unit and
The unit divides into the respective credit scoring value of four units and violation probability.Four units after being divided out of institutional framework,
There are four assessment independent grading units for tool, can form the credit evaluation grading report of four units.
A kind of ladder level credit estimation method provided by the invention, specifically includes the following steps:
(1) government administration related with evaluated unit law-enforcing department and supervisory institution, third party professional services organization (letter are collected
With certification authority), public organization, news media, public opinion, internal supervision administrative department, inner credit administrative department etc. it is each
Kind evidence obtaining record and credit sample data are established the relevant credit of the unit and are asked according to evidence obtaining record and credit sample data
Inscribe element card mold type；
(2) sample data of the associated credit problem of evaluated unit is obtained；The sample data is with evident feature
Credit sample data；The credit sample data with evident feature, comprising: assess the basic data of unit, various Shens
Count off evidence, service, management data, and financial audit report, financial data, various supervision records, administration of justice record；
(3) according to credit problems element card mold type turnover data: according to credit problems element card mold type, to described
Credit problems carry out achievement data conversion, generate the index weights of three grades；
(4) it to the index weights of the three grades in the index weights of the three grades of the generation, carries out again
Distribution；The internal control institutional framework of evaluated unit is divided by ladder level: general headquarters, section/department, group, employee are personal
Four levels are set as four relatively independent units；
(5) the credit score ladder Rating Model for being evaluated unit and built-in scoring template are called, by certain of the third level
One index weights, by integral allocation rule (i.e. the scoring template presupposed solution, including four kinds of distribution types, three categories of setting
Integrate allocation rule again), it is assigned in four respective units of unit；Meanwhile by electronic signature, the conjunction of record is confirmed
Method, objectivity confirm person liable, it is ensured that the trackability of credit data；
(6) the credit score ladder Rating Model for being evaluated unit and built-in scoring template are called, four units are pressed
Integral after the integral allocation rule distribution of setting carries out summarizing calculating, and the band after generating four element integral distribution is special on evidence
The credit score data weighting value of sign is generated evaluated unit and divides into four respectively according to these credit score data weighting values
The credit scoring and Default Probability of a unit.
Further, in step (3), include: according to credit problems element card mold type turnover data
(1) sample data is pre-processed；Carrying out pretreatment to sample data includes: to count to the achievement data
According to cleaning, the data value lacked, and abnormal data value are handled, it is ensured that integrality, the legitimacy of data；By the achievement data
Be converted to the format for meeting logical model requirement；
(2) conversion of index grade weight is carried out to by pretreated sample data；
Index grade weight conversion is divided into two steps and carries out: firstly, expert group discusses credit problems, problem
Feature meets the problem of evaluated unit assessment needs dimension, is usually no more than nine dimensions；Then, with analytic hierarchy process (AHP)
Credit problems expansion is compared two-by-two, determines that the priority of problem, the weight and grade of index are gradually established by (AHP method).That is:
Using AHP method, a complicated credit problems are resolved into several compositing factors (i.e. index), and press dominance relation forming layer
Secondary structure gives superiority and inferiority to index each in system by comparing between index two-by-two and judges, determines the relatively important of each index
Property, and using this evaluation result come the weight coefficient of each index of COMPREHENSIVE CALCULATING.
(3) it after being established according to each grade of index, weight, to unitize in same industry, same scale unit, i.e.,
The unified general assessment model (credit score ladder Rating Model) of building standard；The unified general assessment mould of standard
The building of type will accomplish the credit code element task related with database establishment in unified industry, specifically include that personnel's work
Kind post code, working credential code, employee's work number code, academic code, whether there is or not employees under situation to be employed for certification,
Do not employ code, unit organization Institution Code, by the code of four units of ladder distinguishing hierarchy under internal control institutional framework,
Unified pre-set level code in industry, the code or temporary designator of all kinds of Regulatory Organizations in inside and outside.
Further, in step (4), to evaluated unit and divide into what the unit that four are separated by ladder level used
Credit analysis method is working balance analysis model and two kinds of Characteristic Analysis Model under administrative model, selects latter special here
Levy analysis model, it can explain evaluated unit and divide into the credit information of four units, measure comprehensively evaluated unit and
The ability in each feature field in the four ladder hierarchy units divided into.
Further, the scoring mould in step (5) and step (6), built in the credit score ladder Rating Model
Available there are four types of distribution type in plate, these four distribution types are 1/4,1/3,1/2,1 respectively；1/4 is exactly a longitudinal
Divided equally by four units；1/3 is exactly that a longitudinal direction is divided equally by three units；1/2 is exactly that a longitudinal direction is divided equally by two units；1
It is exactly a longitudinal unit for portion；Each distribution type be respectively provided with the integrals of three major class again allocation rule for choosing
It selects；Allocation rule is respectively the integral of these three major class again: (1) distribution integrated between longitudinal two units again, (2) are vertical
Group and group and the personal distribution integrated between employee individual of employee into third time same section, (3) laterally third time is different
Between section and section and divide into respective group between group, the personal distribution integrated between employee individual of employee；In the template that scores
It has preset and has been allocated by each major class integral reallocation rule of each distribution type, the integral distribution that specifically may relate to
These integral distribution ratio weight values schemes have been made into scoring template and have divided good integral distribution ratio weight values by rate of specific gravity scheme
Digital table, i.e. integral distribution ratio weight values table；Lateral every a line in the integral distribution ratio weight values table of each scoring template
Digital sum is 1；When it is implemented, credit information will record each time, it is set as 1 point (portion)；According to step, first look into
Distribution type, then look into major class integral reallocation rule and obtained after navigating to a certain column of certain a line in integral distribution ratio weight values table
The integral distribution ratio weight values of each unit in four units；The integral distribution ratio weight values of each unit are multiplied by index series
Weighted value shared by a certain three-level index that will be distributed, so that it may obtain the respective integrated value of each unit.
Achievement data in the credit score ladder Rating Model of evaluated unit, by credit score ladder Rating Model
After the calculating of matching used scoring template, the credit score data weighting value with evident feature of four units, root are generated
According to these credit score data weighting values, it can produce the evaluated unit total credit scoring value and the unit respectively and divide into four
The respective credit scoring value of a unit and violation probability.It is divided using the integral that scoring template carries out four units, is believed every time
With the distribution of the record and integral of information, the numerical value in four units of institutional framework is changed, but single to entire evaluated grading
The score value of position does not change, the integral of four units and the total mark value equal to unit.
Further, in step (5), the 10 of the credit score ladder Rating Model chart expansion are signed electronically interior
Hold, organization internal credit management program gives certain specification to electronic signature, can be by distribution, record, electronic signature work
It is assigned to respective group, respective section and general headquarters designate a special person to take charge or be concurrently in charge of this work, and above-noted persons are pre-job to be trained
After instruction etc. meets credit management pertinent regulations, the work can just be allocated, record, signing electronically, finally, credit personnel audit
Signature；The content of electronic signature needs to distribute, record, the credit information to sign electronically are intended to the evidence text for having evident feature
Part is put on record, such as: picture, records, video recording, minutes, witness's testimony, inspection records at different levels, the administration of justice, public security, the tax, audit etc.
Processing record establishes evidence archive database, and unit binding is wanted and be recorded to evidence, and the destruction of dossier is according to Evidence grade
Setting keeping time limit, credit record document generation system realize digital authenticating system comprehensively, to the finger for being engaged in credit management record
Fix the number of workers provides CA certificate, by ca authentication, carries out electronics label using legal electronic third-party authentication service mechanism digital certificate
Name, it is ensured that electronic signature has legal effect.According to the electronic signature that the credit score records, seriation record personnel are established
With credit management inspector, the management process of doubled sign, it is ensured that the quality of data is reliable, credit record personnel and credit auditor
Member bears legal responsibility to the quality of data；The credit score records personnel, credit management personnel, to train acquisition certification
Bright, coding enters Database Systems.
Further, the ladder level credit estimation method, needs level of organization code coding system, comprising:
To marked off by ladder level general headquarters, section (department), group (size groups), personal four units of employee responsible party, each
Unit carries out industry standardization coding；Three-level index catalogue is set, and three grades index system carries out standard by industry requirement
Change information coding；The post of employee individual, professional qualification certificate, educational background, academic title have been engaged, do not engaged, important honor proves, is great
The requirements such as processing record, age composition, nationality are standardized information coding to history in violation of rules and regulations.It also needs each to assessment internal institution
The management process of a department, operation flow classification are established directoryof and are encoded；It also needs to establish post duty to each post
Duty is established directoryof and is encoded；It also needs to recognize each supervision department relevant to credit management, professional technique mechanism, society
Card tissue etc. and internal supervision department, credit department establish directoryof and are encoded；It also needs to relevant to credit management
Industry, the rules and regulations of unit, laws and regulations are established directoryof one by one and are encoded.
Further, the credit product with evident feature in above-mentioned steps (six), after being distributed according to four element integrals
Divided data weighted value calculates after the credit scoring and Default Probability that generate evaluated unit, further includes: according to the credit
Scoring and Default Probability, generate the credit report of evaluated unit, and the optional evaluated unit of generation is divided into total in four units
Portion, n section/department, n group, the credit report of n employee individual；Still alternatively generate assessment unit general headquarters, section/department,
Group, the serial credit report of employee individual.The achievement data of the feature on evidence, comprising: assess the basic data of unit, respectively
Kind declaration data, service, management data, and financial audit report, financial data, various supervision records, judicial record.
For the major fields of credit problems, major project construction process situation, in credit score ladder Rating Model
9 a certain tissue (unit) goal difference value columns are set, to a certain index type, optionally, the average value ratio according to industry index
After analysis, quickly evaluated.To evaluated unit, the 9 a certain tissue (unit) built in credit score ladder Rating Model
Goal difference value column is evaluated, and can be industry our unit and department, leading body at a higher level, most concerned relevant issues, or need
The significant problem constantly to track carries into execution a plan to allow administrative decision personnel constantly correctly to adjust.
It is simple for certain discrete units institutional frameworks, do not have the classification of institutional framework ladder and reaches four units,
It can carry out integral distribution with three units or two units, control scoring template, which can find associative mode and enter integral distribution, to be commented
Point.
After industry or assessment unit obtain credit data, the database of total or sub each grade, setting user etc. are set
Grade, limits the calling of user data.
A kind of ladder level credit evaluation system of the present invention, it includes sequentially connected: kernel model constructs module, data
Acquisition module, evidence logging modle, conversion module, computing module；It further include the electronic signature mould being connect with evidence logging modle
Block further includes and the sequentially connected grading module of computing module, credit report extraction module；
Kernel model constructs module, and being used for will government administration related with evaluated unit law-enforcing department and supervisory institution, third party
Professional services organization (credit accreditation mechanism), public organization, news media, public opinion, internal supervision administrative department, internal letter
It is constructed and is somebody's turn to do according to record and the credit sample data of collecting evidence with the various evidence obtaining records such as administrative department and credit sample data
The relevant credit problems element card mold type of unit；
Data acquisition module, for obtaining the achievement data of evaluated unit (credit problems are converted to achievement data)；
Evidence logging modle, for recording all kinds of evidence letter moneys relevant to credit index system of evaluated unit
Material, such as: picture, recording, video recording, minutes, witness's testimony, inspection record at different levels, the processing such as the administration of justice, public security, the tax, audit
Record, sign electronically process.
Conversion module carries out evidence weight conversion for the achievement data to feature on evidence, generates weighted value；
Computing module, the scoring template set in the credit score ladder Rating Model for calling evaluated unit, according to
It is that the score data value of generation calculates evaluated unit and divide into the credit scoring and Default Probability of four units；
Electronic module for signing mane, for signing electronically to the credit information for needing distribution, record, electronic signature；Unit
Management organization internal will execute the electronic signature procedure system for meeting provisions of laws and regulations, it is ensured that the quality of data meets credit
Assess the requirement of grading；
Grading module is used for four unit ladder distribution integral numerical value of institutional framework, foundation credit scoring and Default Probability,
Selectively generate assessment unit, general headquarters, section, group, the serial credit report of employee individual；
Credit report extraction module, for the assessment grading reporter species to generation, according to each industry, each unit tube
The demand of organization internal credit management is managed, each kind of credit report for meeting the requirement of industry our unit is formulated.
The ladder level credit evaluation system, the course of work are as follows:
S201, the evaluated relevant sample data with evident feature of unit credit, evidence supplier and sample are acquired
Data are standardized coding；
S202, above-mentioned proof data is stored to specified storage location；
S203, the sample data for having evident feature is extracted from designated storage location；
S204, sample data is cleaned；
S205, the sample data analysis after cleaning is handled, credit series of problems element card is made；
S206, technology processing is carried out to credit series of problems element card, is converted to three grades credit achievement data weight
Value；Carry out index seriation standard code；
S207, by ladder level four separate units are divided into unit organization structure, with preset credit score rank
Terraced Rating Model carries out integral distribution with scoring template in four units to three-level credit index value；To evaluated unit
And four units divided into carry out seriation standard code；
S208, credit score assignment record are cleared evident feature data information source person liable, are undertaken with electronic signature
Legal consequence；Coding is standardized to person liable；
S209, after carrying out integral distribution with scoring template, the credit scoring and Default Probability of scoring unit are obtained；
Some separate unit that S210, selection need, generates the credit report of the separate unit, and major fields is selected to carry out
Assessment；
The credit report of S211, credit scoring and Default Probability are issued.
Beneficial effects of the present invention:
Ladder level credit estimation method of the invention include: collect various evidence obtainings related with evaluated unit record and
Associated credit data establish the relevant credit problems element card mold type of the unit according to evidence obtaining record and sample data；Pass through one
For fixed technical method by credit problems element card Content Transformation at index weight system, which divides three grades, wherein
The index of each tertiary gradient executes index with preset credit score ladder Rating Model and matched scoring template
Superiority and inferiority, rewards and punishments etc. are further processed；Institutional framework is divided into four units by ladder level, can will be related to institutional framework
Interior, the formation such as responsibility, right, obligation that each job duty is included have the index weights of evidence, and being converted to can be assumed that
Responsible party's range, thus can assess organization and administration validity and embody social supervision ability.
A kind of ladder level credit estimation method provided by the invention and assessment system, are able to ascend credit evaluation data
Quality ensures authenticity, comprehensive, the confidence level of raising credit evaluation result of credit evaluation data.
Detailed description of the invention
Fig. 1 is a kind of main flow schematic diagram of ladder level credit estimation method of the present invention；
Fig. 2 is the course of work schematic diagram of ladder level credit evaluation system in the present invention；
Fig. 3 is the module composition schematic diagram of the ladder level credit evaluation system in the present invention；
Fig. 4 is the main process schematic diagram of the ladder level credit evaluation system in the present invention；
Fig. 5 is the use flow diagram of the ladder level credit evaluation system in the present invention；
Fig. 6 is the credit problems element card illustraton of model in the present invention；
Fig. 7 is the credit score ladder Rating Model figure in the present invention；
Fig. 8 is (unit) credit report pattern diagram in the present invention (third party service organization uses or internal institution management use)
(by taking medical service organ as an example)；
Fig. 9 is (general headquarters) credit report pattern diagram in the present invention (third party service organization uses or internal institution management use)
(by taking medical service organ as an example)；
Figure 10 is (section) credit report pattern diagram in the present invention (third party service organization uses or internal institution management use)
(by taking medical service organ as an example)；
Figure 11 is (group) credit report pattern diagram in the present invention (third party service organization uses or internal institution management use)
(by taking medical service organ as an example)；
Figure 12 is that (third party service organization uses or internal institution pipe for (employee is personal) credit report pattern diagram in the present invention
Reason is used) (by taking medical service organ as an example)；
Figure 13 (1)-(3) are a kind of scoring template (divide equally for the first time each unit between integrate distribution type) diagrams；
Figure 14 (1)-(4) are another scoring template (second of longitudinal direction integrates distribution type between dividing each unit equally) diagrams；
Figure 15 is another scoring template (integrating distribution type between the transversally bisecting each unit of third time) diagram.
Specific embodiment
In order to make those skilled in the art be clearer to understand technical solution of the present invention, below in conjunction with attached drawing and specific implementation
The present invention is described in further detail for example.The embodiment is only a part of the invention.
Some unit (medical service organ) is to carry out credit management, and carry out assessment grading and live in certain industry of medical care
It is dynamic, firstly, credit problems expert group has been set up, according to governments at all levels' file, laws and regulations, relevant industries such as government planned outlines
Industrial policy etc., and carried out previous work with the technological means of credit management subject；Later, by ladder of the present invention
Level credit estimation method has carried out credit evaluation.
Ladder level credit estimation method of the present invention, steps are as follows for specific method (referring to Fig. 1):
(1) government administration related with evaluated unit law-enforcing department and supervisory institution, third party's profession credit accreditation machine are collected
Structure, public organization, news media, public opinion, the various evidence obtainings records of internal supervision administrative department, inner credit administrative department with
And credit sample data establishes the relevant credit problems element card mold type of the unit according to evidence obtaining record and credit sample data
(referring to Fig. 6)；
(2) sample data of the associated credit problem of evaluated unit is obtained；The sample data is with evident feature
Credit sample data；The credit sample data with evident feature, comprising: assess the basic data of unit, various Shens
Count off evidence, service, management data, and financial audit report, financial data, various supervision records, administration of justice record；
(3) according to credit problems element card mold type turnover data: according to credit problems element card mold type, to described
Credit problems carry out achievement data conversion, generate the index weights of three grades；
(4) it to the index weights of the three grades in the index weights of the three grades of the generation, carries out again
Distribution, the internal control institutional framework of evaluated unit is divided by ladder level: general headquarters, section/department, group, employee are personal
Four levels are set as four relatively independent units；
(5) the credit score ladder Rating Model (referring to Fig. 7) for being evaluated unit and built-in scoring template are called, it will
The a certain index weights of the third level, by integral allocation rule (i.e. the scoring template presupposed solution, including four kinds of distribution classes of setting
Type, three categories integrate allocation rule again), it is assigned in four respective units of unit；Meanwhile by electronic signature, really
Recognize legitimacy, the objectivity of record, confirms person liable, it is ensured that the trackability of credit data；
(6) the credit score ladder Rating Model for being evaluated unit and built-in scoring template are called, four units are pressed
Integral after the integral allocation rule distribution of setting carries out summarizing calculating, and the band after generating four element integral distribution is special on evidence
The credit score data weighting value of sign is generated evaluated unit and divides into four respectively according to these credit score data weighting values
The credit scoring and Default Probability of a unit.
The evaluated relevant credit problems element card mold type of unit is established, is by government related with evaluated unit row
It is political affairs law-enforcing department and supervisory institution, third party professional services organization (credit accreditation mechanism), public organization, news media, public opinion, interior
A variety of shapes such as the various spot checks such as supervisory and management department, portion, inner credit administrative department, data validation, online, examination on the spot
What the credit data sample that the evidence obtaining of formula records and third party provides was established；Credit data sample must be accompanied by evident feature.
The evidence obtaining record that evaluated unit obtains will design a set of effective keeping process, record divided rank, classification setting to evidence obtaining
The time limit achieves keeping and destroys system, to be equipped with and evidence obtaining, record, archive, pin in ladder level credit estimation method and system
It the related function such as ruins, administrator right is set.
Evaluated unit is divided into general headquarters, section (department), group (greatly by ladder level inside unit management institutional framework
It is small), responsible party'ss (as four relatively independent units) of personal four units of employee, be each unit and unit itself into
Every trade industry standard code transmits convenient for credit data network interaction.Internal control institutional framework press ladder distinguishing hierarchy, first
Management tissue is divided into three grades by step, and emphasis examination checks setting, execution, the popularization of operation flow and management process, and
Institutionalization, rationalization；Employee individual is divided into a grade by second step.Thus the responsible party of evaluated unit is set as
Four separate units, emphasis examination check job duty, are conscientious and meticulous in work, observe disciplines and obey laws, enterprising spirit etc..
Evaluated unit, four relatively independent units are divided by ladder level, carry out professional standard for each unit
After changing coding, also coding is standardized to the important information of each employee in terms of human resources, comprising: employee's working
Certification code, employee post's code, employee's work number code, employee's educational background code, employee academic title (do not engage, engaging) code, letter
With administrative staff or credit statistic record personnel's code, age class, the expert of all kinds of participations, scholar's code, other codes.Quilt
Inside and outside supervision department and the various organization for assessing unit, will also be arranged independent window, be standardized coding by tissue typing.
Many administrative decision data of evaluated unit need credit management department to provide, and carry out at specialization to data
Reason carries out the unit of credit management, and business and management process inside multidisciplinary, multi-specialized post, credit management personnel will be deeply
Enter research, be proficient in the entire management system of our unit, then formulates the credit management process for meeting our unit and the rule of this department
Chapter system, to each department (department) that our unit divides into, management process is unreasonable in operation flow, to propose to solve in time,
More direction-determining board, credit management teacher will participate in as our unit's administrative decision, carry out Guiding activity to part management domain, soft in conjunction with this
The use of part system allows the management work of our unit to become more efficient, more professional, more scientific.
Evaluated unit wants careful selection third party's credit evaluating service mechanism, or assesses grading list by development credit management
Position higher authority is specified to select and appoint third party's credit evaluating service mechanism, and the unit high to complex management degree selects third
Credit evaluation rating services mechanism fully considers the technology content of the offer service of the mechanism.
Evaluated unit, is made credit problems element card mold type referring to professional standard, while being converted to index system,
For the actual conditions of our unit, the credit management problem of our unit's emphasis is determined, it is clear to carry out data to the sample data of primary election
It washes, and credit problems is carried out with the analysis of reliability and validity one by one.Content in credit problems element card mold type is our unit
All kinds of credit problems summarize, and four units that unit is divided into can claim one's own credit problems range respectively.It is equally section
This unit, the credit problems in the credit problems element card claimed are not necessarily identical；It is equally this unit of group, the letter claimed
It is also not necessarily identical with the credit problems in problem element card；Employee individual is also such.Each unit can be made into respective letter
With problem element card.After one's own credit problems have been claimed by each section, the credit problems element card of section's level-one can be made into；Each group
After having claimed one's own credit problems, the credit problems element card of level-one in groups can be made；Employee individual, which has claimed, to be belonged to certainly
After oneself credit problems, the credit problems element card of employee individual can be made into.Credit problems element card mold type is that each model is subsequent
Work the basis being unfolded, and the attribute and feature of energy view technology, are systematization, standardised assessment, unitized is basic
Premise sorts out credit problems, to encode to similar similar problem, for example, state's laws regulation, industry or unit
The rules and regulations of each department, the management process of unit each department, each co-operating operation flow in post will in advance encode it,
Conducive to computer software identifying processing.
Credit analysis model can be divided into prediction model and administrative model, and this programme selects administrative model to assess certain unit
Credit standing.Administrative model do not have predictability, its emphasis balancedly explanation and understanding be evaluated unit credit facility etc.
The information of aspect.Administrative model mainly has " working balance analysis model " and " Characteristic Analysis Model ", what this programme was mainly used
It is " Characteristic Analysis Model " that Characteristic Analysis Model is to all finance of assessment unit and non-wealth using Signature Analysis Techique
The factor of business is summarized and analyzed.When with Characteristic Analysis Model, it is related to the select permeability of index weight.Index weight
Center of gravity tendency essence reflects the poolicy orientation of the unit.Regardless of flexible strategy are to bias toward non-financial or bias toward finance, have
Because of its importance, always index weight with higher, Characteristic Analysis Model both consider financial considerations to index subjet, simultaneously
It is contemplated that non-financial factor, third party's credit evaluation rating services mechanism can be evaluated Ranking Unit from this is obtained by all kinds of means
Information can also be verified and be used in Characteristic Analysis Model, and the accuracy, fairness, comprehensive of assessment grading is improved.
Therefore, Characteristic Analysis Model is worth being widely used in constituent parts and promote, for assess each unit credit pipe graded
Manage horizontal effective ways.
Evaluated unit, assesses the achievement data of grading, by the index binding analysis of quantitative analysis and qualitative analysis；It is fixed
Figureofmerit can use panel member, be given a mark using expert's ballot method；Qualitative analysis be on the basis of quantitative analysis,
The inside of evaluated unit, external factor are combined, the applicability of test rating.Qualitative is quantitative basis, is quantitatively fixed
The in-depth of property, the two is complementary.Credit rating is built upon on the basis of macroscopical analysis of element changes, to micro entities
Objective analysis and subjective judgement.The credit rating method that this programme provides focuses on all financial and non-wealth of evaluated unit
Business factor improves the management level of constituent parts, solves the problems, such as each unit self-growth and information asymmetry, improves credit office
Can information transparency, allow " open, fair and impartial " to write poster on the wall, put into effect；The knot of assessment grading report
Fruit can allow the public to understand evaluated Ranking Unit, the reflected management level of indices, and then can pass through society
The modes such as meeting pressure from public opinion, rewards and punishments measure, allow evaluated unit to reinforce Credit Consciousness, violations are overcome, to play improvement
The effect of the Credit Environment of the whole society.
Grading to evaluated unit management ability, be referred to People's Bank of China's in March, 2006 publication [credit is commented
Grade management guidance opinion] concrete regulation that credit rating mark, grading program, ranking method, grading principle etc. are carried out,
This programme recommendation will be rated unit and be divided into five grades, be A, B, C, D, E or AAA, AA, A, BBB, BB, to inner tube respectively
It manages tissue ladder and is classified each unit, can be * * * * *, * * * *, * * *, * * respectively using five-pointed star grading, *, grading can be measured
The comparable same industry of institutional framework scale is evaluated between unit, the height superiority and inferiority of management level, and to state treatment system
Benign contribution rate height, promote constituent parts benign competition of the same trade.It is right in ladder level credit estimation method of the invention
The grading of evaluated unit management ability, the scale for the index system overall score that can be accompanied by are 1000 points of systems or 100 points
System, indices score is: just to divide be plus item, lose points be negative point is deduction item.Described pair of evaluated unit management ability
It grades, in industry the comparable each unit of size of the organization, according to the weighted average value index number of identical index weights, to formulate
The division limits of reasonable rating level score value, the raising of entire industry average value, the credit of each unit is broken a contract wind in industry
Danger is lower.
The credit score ladder Rating Model is that the ladder of an internal institution management institutional framework is layered general headquarters
Grade divides are as follows: general headquarters, section (department), group (big group, group), the personal four rank levels (four units) of employee；General headquarters' (each list
Position is different, and address is different, can claim headmaster's office in school, hospital claims President's, and enterprise claims factory director office etc.),
It is the decision-making section that the tissue our unit staff are realization organizational goal and task, and to complete our unit's items work
Make a plan formulation department, the main validity for examining decision science and plan to implement；Section (department) in executive plan task,
It will consider that undergraduate course (department) completes task, the management process encountered, operation flow problem, emphasis examines each related procedure,
With and without problem, whether process is worked out rationally effectively, organize in standard process, whether in place promote, everybody awareness degree further includes
Laws and regulations, unit rules and regulations study etc.；The emphasis of group (size groups) is examined, and is exactly further on the basis of section (department)
Disaggregatedly refine；Employee is personal, using each member of our unit as independent examination object, from all levels of management personnel
People and crewmember place post are started with, and further examine educational background, occupational qualification, scholastic attainment, job duty, task to complete excellent
It is bad, illegal and undisciplined etc..The height of employee individual's Global integration of evaluated unit embodies the excellent of personnel administration system execution
It is bad.
In the structure composition of the credit score ladder Rating Model chart (referring to Fig. 7), each column respectively titled with
It is dateline that name of tv column, which is respectively as follows: 1,；2 be tissue ladder classification (four units)；3 be first class index；4 be when previous stage refers to
Two-level index under mark；5 be the three-level index under current two-level index；7 be tissue ladder classification selection [(general headquarters, section/department,
Group, employee are personal] four one is selected, Unit four distribute simultaneously；8 be that three-level index integrates gain and loss under a certain tissue (unit) two-level index
Statistics；9 be a certain tissue (unit) goal difference evaluation；10 be electronic signature (one, two, three Index grading signature)；Include institute
There are all kinds of indexs, tissue ladder classification etc. code coding.Credit score ladder Rating Model structure, each column respectively titled with
Name of tv column is shown respectively: foreset is worked as in the selection of the record, organizational unit of credit information date of occurrence, index hierarchical selection
Selective type, a certain organizational unit two of unit, integral allocation rule that the index selection of distribution, integral belong to after distributing
The three-level divided into of grade index means the summarizing of scalar product score value, the evaluation of a certain organizational unit goal difference.It can choose emphasis index
It is evaluated.Electronic signature allows the record for meeting the achievement data of evident feature with person liable, that is to say, that attached without evidence
The credit information of part is not as recording interval.
As shown in fig. 7, the content of each column of credit score ladder Rating Model chart of evaluated unit is specific as follows:
First column of credit score ladder Rating Model is the date that credit information occurs, for recording credit information hair
The raw time.
Four unit title general headquarters, section/department, group, employee four are distinguished in second column of credit score ladder Rating Model
Part scores in credit management software in ladder, clicks some unit, will be in the index column of right side, and what is shown is the unit
Three-level indication information and the follow-up that will do of tertiary gradient index.
The third column of credit score ladder Rating Model is the indication information of the first estate, and subsidiary guideline code coding refers to
The weight information of this index during entitling claims, index is serial.
4th column of credit score ladder Rating Model is the indication information of the second grade, and subsidiary guideline code coding refers to
The weight information of this index during entitling claims, index is serial.
5th column of credit score ladder Rating Model is the indication information of the tertiary gradient, and subsidiary guideline code coding refers to
The weight information of this index during entitling claims, index is serial；This index grade will do further subsequent processing, weight number
Value will be carried out integral reallocation in four units with integrated form and be divided.
6th column of credit score ladder Rating Model is that the index for obtaining and will carrying out the tertiary gradient is clicked in upper column
The integral that weighted value carries out divides.
7th column of credit score ladder Rating Model is that distribution type selects in institutional framework；It is divided into integral, goal difference
It records, be divided into, separating, each subfield of distribution type；It is the emphasis column of credit score ladder Rating Model, it is vertical handles four units
It is divided to lateral integral；Longitudinal direction refers to centered on section (department), is above general headquarters, divides into for undergraduate course down each group (big
It is small), and divide into the employee in group；Laterally refer to centered on general headquarters, the relationship between each section divided into, is not in same section
In the case where (department), section (department) and fraternal section (department), the group (size) that section (department) and brother section (department) divide into, section
The relationship between the employee in group (size) that (department) and fraternal section (department) are divided into.
8th column of credit score ladder Rating Model, a certain tissue (unit) tertiary gradient index (name code) integral
Gain and loss statistics, can be to score, and situation of losing points is checked in time, and in time to score, situation of losing points is summarized.Evaluated unit
Credit score ladder Rating Model the 9th column, the evaluation of a certain tissue (unit) goal difference is managers at different levels and policymaker
And related personnel, to the credit problems of major fields, certain emphasis indexs carry out Fast Evaluation, from now on convenient for tracking emphasis index
Developing direction.
Tenth column of credit score ladder Rating Model is electronic signature (including one, two, three Index grading signature),
It is directed primarily to the record statistical correlation personnel of credit information, credit management personnel and its related personnel, for credit information
Analysis, record, statistics will adhere to the attitude of objective and fair, undertake the analysis of credit information, record, the liability for fault of statistics.
The credit score ladder Rating Model chart, the content of expansion is respectively: clicking 1 is inputting date column,
It is the date of credit information record distribution；To click 2 be four units of organization level, and putting that unit and just showing subsequent will do
The job order of this unit；Clicking 3 is the front unit first class index name code to be scored；Clicking 4 is exactly that front unit may be selected
The two-level index name code to be scored；Clicking 5 is whole three-level indexs before showing in two-level index, each individual event of when distribution
Three-level index carries out；Clicking 6 is exactly the three-level index name code for being just assigned integral；Clicking 7 is four lists in organization
The three-level index distributed in member carries out score, loses points, be divided into, separate, and its distribution type column of selection；Clicking 8 will
Automatically generate the score of three-level index series that certain two-level index is divided into after same unit is assigned, Classifying Sum of losing points letter
Breath, every kind of three-level index respectively score, record of losing points, there are also score, lose points always summarize；Click 9 is exactly can be to certain
Emphasis score in the index system of a organizational unit, evaluation of losing points；Click 10 is exactly the electronic signature system of related personnel.
In the credit score ladder Rating Model, 7 distribution types are selected in this column, a whole set of has been preset respectively in the inside
Between unit, the rule that the distribution of integral mutually divides by a certain percentage, referred to as scoring template.The scoring template is to count
The tool of integral record is calculated, has preset four kinds of distribution types in the template that scores, respectively 1/4,1/3,1/2,1；Every kind of distribution class
Type has preset the integral reallocation rule of three categories, is respectively as follows: first major class, is between longitudinal direction after two unit distribution, no longer
Carry out the group and group divided into inside longitudinal section, group and employee individual, employee is personal between employee individual and the section of transverse direction
Between external other sections, group and group are organized and employee individual, employee individual and the person-to-person distribution of employee；Second major class,
To carry out secondary longitudinal distribution after first major class distribution above again, this distribution be for same section's chamber interior, under
If group and group, group is with employee individual, for employee individual and employee person-to-person integral distribute；Third major class is
Secondary transverse distribution is carried out again after first major class distribution, and this distribution is for being not the same department, between section and section
Integral distribution, and different groups and group respectively divided into, group and employee individual, employee are personal long-pending between employee individual
For distribution.
As illustrated in figs. 13-15, in the template that scores there are four types of distribution type it is available (four kinds of distribution types are 1/4 respectively,
1/3,1/2,1；1/4 is exactly that a longitudinal direction is divided equally by four units；1/3 is exactly that a longitudinal direction is divided equally by three units；1/2 is exactly
A longitudinal direction is divided equally by two units；1 is exactly a longitudinal unit for portion), each distribution type is respectively provided with three big
Allocation rule is available again for the integral of class；Allocation rule is respectively the integral of these three major class again: (1) longitudinal again two
The distribution integrated between a unit, group and group and employee is personal integrates between employee individual in (2) longitudinal same section of third time
Distribution, (3) laterally between the different section and section of third time and divide into respective group between group, employee individual and employee are personal
Between the distribution that integrates；It has preset in scoring template and has been divided by each major class integral reallocation rule of each distribution type
Match, the integral distribution ratio weight values scheme that specifically may relate to, does these integral distribution ratio weight values schemes in scoring template
At the digital table for having divided good integral distribution ratio weight values, i.e. integral distribution ratio weight values table.The integral of each scoring template
Laterally the digital sum of every a line is 1 in distribution ratio weight values table.When it is implemented, credit information will record each time,
It is set as 1 point (portion)；According to above-mentioned steps, distribution type is first looked into, is carried out by one of 1/4,1/3,1/2,1 distribution type
Longitudinal distribution；Major class integral reallocation rule is looked into again, is reallocated by one of major class integral reallocation rule；Positioning
To after a certain column of certain a line in integral distribution ratio weight values table, the integral partition density of each unit in four units is obtained
Value；The integral distribution ratio weight values of each unit are multiplied by weight shared by a certain three-level index that will be distributed in index series
Value, so that it may obtain the respective integrated value of each unit.According to the credit score ladder Rating Model, credit information each time
Record, after obtaining the respective integrated value of each unit, subsequent items credit report can be regenerated once.
Evaluated unit does not have institutional framework ladder is classified four units or three units or two units
, corresponding allocation plan can also be found in template scoring, the distribution integrated.In credit score ladder Rating Model
The scoring template set can integrate splitting scheme to the scoring template between unit and do according to assessment Ranking Unit actual needs
A little adjustment, more to agree with the needs of evaluated Ranking Unit management.In scoring template built in credit score ladder Rating Model
Allocation plan is integrated, it is here that index is reflected, it is positive to be defined as score and negative definition to lose points, in knot of tissue
It is distributed in four units of structure ladder level.
The formulation of the built-in scoring template of credit score ladder Rating Model is according to the "General Principles of the Civil Law", " contract law ", " closes
Group Enterprise Law ", " Assurance Law ", the multi-sections lex specialis such as " company law " legal spirit, with reference in joint liability related in people's business
Part volume division principle designs, and mainly averraged principle, priority of agreement principle, justice and interests balance principles etc.
Distribution principle, above-mentioned distribution principle instruct being divided into and separating for credit score, and guide assessment internal institution management group loom
Structure ladder is layered the distribution integrated in Unit four.
The credit score ladder Rating Model chart with some important prerequisites be: all-sidedly and accurately collect, arrange,
Classification, business related with sample data is collected in analysis and management process, the credit problems extracting are converted to index system
Afterwards, when distributed in four units of ladder integral in organization management structure, department's responsibilities at different levels is organized and are mainly wrapped
Include: operation flow, management process formulation, utilization, the technology of implementation of prevailing system be not lack of standardization, scientific, or does not make
Fixed, administrative staff, which do not know, the process etc., so lack of standardization to process, no formulation, process have but without promoting record
Credit problems, undertaken the responsibility by each relevant station administrative staff or management responsible person, for all kinds of operation flows and pipe
Reason process enters unit regulations, and has the credit problems for promoting learning records to be responsible for by party, and evaluated unit will be built
The vertical database to standardize with operation flow and management process, continuouslys optimize these processes, method of data capture, source, number
According to investigations, the working processes such as data analysis will meet the related request of credit management subject.
Evaluated unit, a certain inspection tissue move into evaluated unit and carry out site inspection, and the department for receiving inspection will examine
Record is looked into, credit management department is handed to, credit management department notifies examined when thing section after Technical Analysis Division is managed
(department), the credit information that then will be recorded notify section (department) that group (size), section (department) is responsible for the recorder of this thing
Member, by credit information data record into can be by this program, by credit information number the problem of in computer, internal-external inspection is found
Enter computer system according to record.To the credit information that evaluated unit spontaneously forms, in time from spot staff in time to
Higher level department reports the developments, and is related to the timely notice credit department of credit problems, carries out technology analysis, determines problem scope, belongs to
In credit information problem, in timely Notification Record to certain responsible department or employee's personal record column.
It is described by credit score ladder Rating Model treated index score value, decompose four by institutional framework ladder
In unit, the integral of four units is summarized respectively, is generated as general headquarters' total score, n section (department) total score, n group is (greatly
It is small) total score, n employee individual's total score, aforementioned four unit summarizes the grading total score for just generating the assessment unit, root
According to the unit of identical size of the organization grade of the same trade, the ranking position in regional industry can be known referring to comparison.
Evaluated unit, after the processing of credit score ladder Rating Model, four units can be generated four after summarizing
The grading of the respective series of unit reports, also generate the assessment unit grading report (referring to Fig. 8, Fig. 9, Figure 10, Figure 11,
Figure 12).Grading the user reported can be local and whole, is analyzed assessment Ranking Unit various aspects, finds out gap
Reason is improved, and the aspect to make achievements will be developed.According to the grading report and internal four units for being evaluated unit
Respective series grading report, in the unit of same level, same industry, according to the weighted average of a certain index value
Value, to observe the assessment Ranking Unit, in industry the reflected managerial ability of indices institute, provides certainly for industry development
Plan basic data.
A kind of ladder level credit evaluation system of the present invention (includes ladder scoring credit management platform software and hardware), it
Including sequentially connected: kernel model constructs module, data acquisition module, evidence logging modle, conversion module, computing module；
It further include the electronic module for signing mane being connect with evidence logging modle；Further include and the sequentially connected grading module of computing module, letter
With report extraction module (referring to Fig. 3, Fig. 4, Fig. 5)；
Model construction module, for government administration related with evaluated unit law-enforcing department and supervisory institution, third party's profession
Service organization (credit accreditation mechanism), public organization, news media, public opinion, internal supervision administrative department, inner credit pipe
The evidence obtaining record and credit sample number of the diversified forms such as the various spot checks such as reason department, data validation, online, examination on the spot
According to progress Flow Record records every important content of each expert group's work, sets up panel member's information interface window；
According to evidence obtaining record and credit sample data, credit problems element card mold type relevant to the unit is constructed；
Data acquisition module (data acquisition module), for obtaining the index sample data of evaluated unit, with sample number
It according to related index system, needs in industry to be standardized code coding, in industry can longitudinally, laterally compare, obtain
Take the average value of a certain identical index of industry；The raising of mean values embodies industry in the management level in the credit field；
Conversion module generates weighted value, index for carrying out evidence weight conversion to the achievement data with evident feature
The generation of system each single item index weights, relies on the intervention of various technologies, and verifies its reliability, accuracy, complete in practice
Face property, constantly summarizing keeps it more perfect；
Computing module, the scoring template set in the credit score ladder Rating Model for calling evaluated unit, according to
It is that the score data value of generation calculates evaluated unit and divide into the credit scoring and Default Probability of scoring unit；Integrate ladder
Rating Model and the interior scoring template set, can optimize according to the needs of various industries, to cope with more complicated credit pipe
The needs of reason, for example, the high-tech large enterprise of modernization, scientific research institutes, tertiary hospitals, university etc., score template
Integral distribution be exactly for improve each employee enthusiasm, loyalty tissue, to occupation loyalty, one kind to undertake or from
The sense of duty of a certain occupation of thing, loyalty may insure the satisfactory completion of task, and take on the bravery of responsibility；
Credit report extraction module, for the assessment grading reporter species to generation, according to each industry, each unit tube
The demand of organization internal credit management is managed, each kind of credit report for meeting the requirement of industry our unit is formulated.
Grading module is used for four unit ladder distribution integral numerical value of institutional framework, foundation credit scoring and Default Probability,
Selectively generate assessment unit, general headquarters, section, group, the serial credit report of employee individual；
Electronic module for signing mane, for signing electronically to the credit information for needing distribution, record, electronic signature；Unit
Management organization internal will execute the electronic signature procedure system for meeting provisions of laws and regulations, it is ensured that the quality of data meets credit
Assess the requirement of grading；
Evidence logging modle, for recording assessment all kinds of evidence letter data relevant to credit index system of unit,
Such as: picture, recording, video recording, minutes, witness's testimony, inspection record at different levels, the processing such as the administration of justice, public security, the tax, audit note
Record, sign electronically process.Flow Record is carried out, every important content that record checks every time sets up credit information evidence money
Expect file interface window.
The ladder level credit evaluation system, the course of work are following (referring to fig. 2):
S201, the evaluated relevant sample data with evident feature of unit credit, evidence supplier and sample are acquired
Data are standardized coding；
S202, above-mentioned proof data is stored to specified storage location；
S203, the sample data for having evident feature is extracted from designated storage location；
S204, sample data is cleaned；
S205, the sample data analysis after cleaning is handled, credit series of problems element card is made；
S206, technology processing is carried out to credit series of problems element card, is converted to three grades credit achievement data weight
Value；Carry out index seriation standard code；
S207, by ladder level four separate units are divided into unit organization structure, with preset credit score rank
Terraced Rating Model carries out integral distribution with scoring template in four units to three-level credit index value；To evaluated unit
And four units divided into carry out seriation standard code；
S208, credit score assignment record are cleared evident feature data information source person liable, are undertaken with electronic signature
Legal consequence；Coding is standardized to person liable；
S209, after carrying out integral distribution with scoring template, the credit scoring and Default Probability of scoring unit are obtained；
Some separate unit that S210, selection need, generates the credit report of the unit, and major fields is selected to be evaluated
Assessment；
The credit report of S211, credit scoring and Default Probability are issued.
After industry or assessment unit obtain the credit data of evaluated unit, the data of total or sub each grade are set
Library is arranged user gradation, limits the calling of user data.It can first in industry some unit pilot establishes in unit total sum
The database of son, then other units in industry are generalized to, the total database of industry is established, finally in order to which credit information data are expert at
In the industry, identify that the title inside credit problems element card will be unified, index system by general ladder scoring credit management software
Column code coding will be unified, and unified catalogue etc. is established.
The credit management assessment rating system of socialist China's characteristic is established, China's width vast in territory, regional disparity is very
Greatly, rating level requirement can be assessed to divide industry with region, gradually showed specialized, fining, scientific and reasonable
It enriches for management philosophy to various industries unit and goes, improve the management level of tissue modernization, gradually improve social credibility ring
Border.Evaluated unit, using the efficient and convenient advantage in internet, people can be simplified according to actual needs by cutting down management cost
Member establishes to cut down expenses, cutting down and merge mechanism, adjustment staff and simplified administrative or working procedure etc. and the staff that transfers
The credit management system of socialist China's characteristic changes unreasonable organization and administration theory, planning of science activities unit group
The development knitted, will consider several elements, management strategy, economic environment and industry prospect etc., and science adjustment credit management is commented
Grade index system copes with rapidly the fast-developing demand of society.
The credit management unit in industry carrying out pilot with credit score ladder Rating Model in advance, will carry out demonstration
Exemplary role, convergence industry is interior rich in managerial experiences, and the actively experts and scholars of standby credit management assessment grading, by right
Bibliography screening combines actual conditions, and the guide for method for finding out appropriate credit management assessment grading is theoretical, and formulation agrees with reality
The assessment rating scheme on border cooperates the current national major policies policy in relation to industry development, give way in the industry constituent parts towards just
True direction is developed, such as: currently require that industry to innovate based on driving, the academic level in index system, scientific achievement etc.
The weighted value of index will improve.
The constantly daily generation credit information data of audit examination credit management unit, third party's credit management assessment grading
Service organization, technological means provided by Yao Yunyong modern science achievement, for example, data mining technology and traditional effective
Mature statistical analysis technique, the abnormal conditions occurred to data are verified, and reason is found out, unit serious for problem,
Other than giving certain punishment, it is proposed that participate in the certification of ISO8000 data quality standard.Third party's credit management assessment grading
Service organization itself is just important assessment grading object, and it is particularly important to improve the mechanism technology content, penetrating verification
Ability can cope with evaluated Ranking Unit data cheating.Rating services mechanism is assessed in third party's credit management, using big
The various digging technologies of data, the data leakage detection formed to assessment Ranking Unit are filled a vacancy, and such as discovery generates abnormal data source, Ke Yiyu
The credit information control actually occurred, after finding out reason, is modified data before, it is made more objective to agree with reality.It builds
The auditing service mechanism of vertical credit information third party profession, formulates auditing standard and criterion, to meet the need of social credibility management
It asks, is the important link of social information sciences construction.
The informatization of credit information is related to evaluated Ranking Unit, each field credit information Right protection and information
Safety problem will formulate industry rules and regulations when developing ladder scoring credit management software to protect evaluated Ranking Unit
, employee's personal information data and unit management process, operation flow etc. belong to the protection of intangible asset etc. information.Letter
It, can be from formulating industry regulations system with the informatization of information, while the credit information Right protection and information security carried out
Degree is gradually to the laws and regulations transition for formulating detailed State-level.Credit analysis technology is adopted such as big data digging technology
Multiple technologies scheme, such as: nerual network technique, statistics mathematical analysis, discovery data have exception, go to search original on the spot
Cause is exactly to collect the evidence of abnormal cause generation, then analyze whether collected evidence meets credit management pertinent regulations in fact
It is required that finally determining that half-proof is effective.
The characteristics of credit management personnel of evaluated unit will be according to our unit's credit management of the industry, in the industry
The management process of links in institutional framework in our unit, operation flow, using disclosed bibliography, correlative theses,
It is investigated and is learnt, in conjunction with the reality of our unit, learnt to the experienced administrative staff of our unit, by credit management subject
Knowledge is digested and is applied in real work.Evaluated unit, credit management department are converged in the institutional framework in our unit
The management process of links, operation flow and relevant laws and regulations, industry rules and regulations, although without each function portion
Door managerial expert understands the management marrow in this post in depth, but can be by learning each functional department's management process, Business Stream
Journey, and be organized into electronic graph-text and be made into archives, it finds that these processes are problematic by practice, proposes reform advice in time, help
With the management process for optimizing each functional department, operation flow, when decision-making level, our unit carries out decision to significant problem, be related to across
Profession, post, when multidisciplinary joint action, credit management department can provide the suggestion of Optimal Decision-making.
Claims (10)
1. a kind of ladder level credit estimation method, which comprises the following steps:
(1) government administration related with evaluated unit law-enforcing department and supervisory institution, third party's profession credit accreditation mechanism, society are collected
It can group, news media, public opinion, internal supervision administrative department, the various evidence obtaining records of inner credit administrative department and letter
The relevant credit problems element card mold type of the unit is established according to evidence obtaining record and credit sample data with sample data；
(2) sample data of the associated credit problem of evaluated unit is obtained；The sample data is the letter with evident feature
Use sample data；The credit sample data with evident feature, comprising: the basic data of unit is assessed, it is various to declare number
According to, service, management data, and financial audit report, financial data, various supervision records, administration of justice record；
(3) according to credit problems element card mold type turnover data: according to credit problems element card mold type, to the credit
Problem carries out achievement data conversion, generates the index weights of three grades；
(4) to the index weights of the three grades in the index weights of the three grades of the generation, then divided
Match, the internal control institutional framework of evaluated unit is divided by ladder level: general headquarters, section/department, group, employee individual four
A level is set as four relatively independent units；
(5) the credit score ladder Rating Model for being evaluated unit and built-in scoring template are called, by a certain finger of the third level
Weighted value is marked, by the integral allocation rule i.e. scoring template presupposed solution of setting, is assigned in four respective units of unit；
Meanwhile by electronic signature, confirms legitimacy, the objectivity of record, confirm person liable, it is ensured that the trackability of credit data；
(6) the credit score ladder Rating Model for being evaluated unit and built-in scoring template are called, to four units by setting
The distribution of integral allocation rule after integral carry out summarizing calculatings, have evident feature after generating the distribution of four element integrals
Credit score data weighting value generates evaluated unit respectively and divides into four lists according to these credit score data weighting values
The credit scoring and Default Probability of member.
2. ladder level credit estimation method as described in claim 1, which is characterized in that
It is described according to credit problems element card mold type turnover data in step (3), comprising:
(1) sample data is pre-processed；It includes: clear to achievement data progress data for carrying out pretreatment to sample data
It washes, handles the data value lacked, and abnormal data value, it is ensured that integrality, the legitimacy of data；The achievement data is converted
For the format for meeting logical model requirement；
(2) conversion of index grade weight is carried out to by pretreated sample data；
Index grade weight conversion is divided into two steps and carries out: firstly, expert group discusses credit problems, problem characteristic
Meet the problem of evaluated unit assessment needs dimension, is no more than nine dimensions；It then, will with analytic hierarchy process (AHP), that is, AHP method
Credit problems expansion is compared two-by-two, determines that the priority of problem, the weight and grade of index are gradually established；
(3) it after being established according to each grade of index, weight, to unitize, that is, construct in same industry, same scale unit
The unified general assessment model of standard；The building of the unified general assessment model of standard will be accomplished in unified industry
Credit code element task related with database establishment, specifically include that personnel's work post post code, working credential generation
Code, employee's work number code, academic code, whether there is or not employees under situation to be employed for certification, does not employ code, unit organization mechanism generation
Code, by the code of four units of ladder distinguishing hierarchy under internal control institutional framework, unified pre-set level code in industry,
The code or temporary designator of all kinds of Regulatory Organizations in inside and outside.
3. ladder level credit estimation method as claimed in claim 1 or 2, which is characterized in that
In step (5) and step (6), there are four types of distribution in the scoring template built in the credit score ladder Rating Model
Type is available, these four distribution types are 1/4,1/3,1/2,1 respectively；1/4 is exactly that a longitudinal direction is divided equally by four units；
1/3 is exactly that a longitudinal direction is divided equally by three units；1/2 is exactly that a longitudinal direction is divided equally by two units；1 is exactly a longitudinal unit
For portion；Each distribution type is respectively provided with the integrals of three major class, and allocation rule is available again；These three major class
Allocation rule is respectively integral again: (1) distribution integrated between longitudinal two units again, (2) longitudinal same section of third time
Interior group and group and the personal distribution integrated between employee individual of employee, (3) laterally between third time different section and section and under
If respective group between group, the personal distribution integrated between employee individual of employee；It has preset in scoring template by each
The each major class integral reallocation rule of distribution type is allocated, the integral distribution ratio weight values scheme that specifically may relate to,
These integral distribution ratio weight values schemes have been made into the digital table for having divided good integral distribution ratio weight values in scoring template, i.e., it is long-pending
Divide distribution ratio weight values table；Laterally the digital sum of every a line is in the integral distribution ratio weight values table of each scoring template
1；When it is implemented, credit information will record each time, it is i.e. a to be set as 1 point；According to step, distribution type is first looked into, then is looked into
Major class integrates reallocation rule, after navigating to a certain column of certain a line in integral distribution ratio weight values table, obtains in four units
The integral distribution ratio weight values of each unit；The integral distribution ratio weight values of each unit are a certain multiplied by that will distribute in index series
Weighted value shared by three-level index, so that it may obtain the respective integrated value of each unit.
4. ladder level credit estimation method as claimed in claim 1 or 2, which is characterized in that
In step (5), the content of the credit score ladder Rating Model includes: to distinguish four unit titles, which is selected
Unit first operates, and distinguishes the respective grade of index system, and the distribution of integral carries out on third grading index, each unit it
Between have score or lose points, integral being divided into and separating, the evaluation of special index, the record column of electronic signature；
First column of credit score ladder Rating Model is the date that credit information occurs；
Second column of credit score ladder Rating Model is the title of four units separated, it may be assumed that general headquarters, section/department, group, member
Four parts of work；Some unit is clicked, will be in the index column of right side, what is shown is the three-level indication information of the unit, and
The follow-up that tertiary gradient index will be done；
The third column of credit score ladder Rating Model is the indication information of the first estate, subsidiary guideline code coding, index name
The weight information of this index during title, index are serial；
4th column of credit score ladder Rating Model is the indication information of the second grade, subsidiary guideline code coding, index name
The weight information of this index during title, index are serial；
5th column of credit score ladder Rating Model is the indication information of the tertiary gradient, subsidiary guideline code coding, index name
The weight information of this index during title, index are serial；This index grade will do further subsequent processing, and weighted value will
Integral reallocation is carried out in four units with integrated form to divide；
6th column of credit score ladder Rating Model is that the index weights for obtaining and will carrying out the tertiary gradient are clicked in upper column
The integral that numerical value carries out divides；
7th column of credit score ladder Rating Model is that distribution type selects in institutional framework；It is divided into gain and loss member record, divides
Enter, separate and each subfield of distribution type；The integral that it handles four unit vertical and horizontal divides；Longitudinal direction refers to section/portion
It is above general headquarters centered on door, lower is each group that undergraduate course/department divides into, and the employee in the group divided into；Laterally refer to general headquarters
Centered on, the relationship between each section/department divided into is not section/department and fraternal section/portion in the case where same section/department
The pass between the employee in group that the group that door, section/department and fraternal section/department divide into, section/department and fraternal section/department divide into
System；
8th column of credit score ladder Rating Model is the tertiary gradient index integral gain and loss statistics of a certain unit, can be right
Score, situation of losing points are checked in time, and are summarized in time to score, situation of losing points；
9th column of credit score ladder Rating Model is the goal difference evaluation of a certain unit；
Tenth column of credit score ladder Rating Model is electronic signature, including one, two, three Index grading signature.
5. ladder level credit estimation method as claimed in claim 1 or 2, which is characterized in that
In step (5), the content of the credit score ladder Rating Model chart expansion is respectively: clicking 1 is inputting date
The date of column and credit information record distribution；Clicking 2 is four units of organization level, puts that unit and just shows subsequent incite somebody to action
The job order of this unit to be done；Clicking 3 is the front unit first class index name code to be scored；Clicking 4 is before may be selected
The unit two-level index name code to be scored；Clicking 5 is whole three-level indexs before showing in two-level index, and when distribution is each
Individual event three-level index carries out；Click 6 is the three-level index name code of just assigned integral；Clicking 7 is four in organization
The score for the three-level index that unit is distributing loses points, is divided into, separating and its selectable distribution type column；Clicking 8 will
Automatically generate score after same unit is assigned of three-level index series that certain two-level index is divided into, Classifying Sum of losing points letter
Breath, every kind of three-level index score respectively, record of losing points, there are also scores, the summarizing always lost points；Clicking 9 can be to some
Emphasis score, evaluation of losing points in the index system of organizational unit；Click 10 is exactly the electronic signature system of related personnel.
6. ladder level credit estimation method as claimed in claim 1 or 2, which is characterized in that
In step (5), the content of 10 electronic signatures of the credit score ladder Rating Model chart expansion, organization internal letter
Certain specification is given to electronic signature with management program, distribution, record, electronic signature work can be assigned to respective
Group, respective section and general headquarters designate a special person to take charge or be concurrently in charge of this work, and pre-job to train of above-noted persons meets credit
After managing pertinent regulations, the work can just be allocated, record, signing electronically, finally, credit personnel audit signature；
The content of 10 electronic signatures of the credit score ladder Rating Model chart expansion needs to distribute, record, electronic signature
Credit information be intended to the instrument of evidence with evident feature and put on record, comprising: picture is recorded, video recording, minutes, witness's card
Word, inspection records at different levels, the processing such as the administration of justice, public security, the tax, audit record establish evidence archive database, evidence is wanted and remembered
Unit binding is recorded, the destruction of dossier sets keeping time limit, credit record document generation system, Quan Mianshi according to Evidence grade
Existing digital authenticating system provides CA certificate to the designated person for being engaged in credit management record, by ca authentication, using legal third
Square digital certificate service organization digital certificate signs electronically, it is ensured that electronic signature has legal effect.
7. ladder level credit estimation method as claimed in claim 1 or 2, which is characterized in that
The ladder level credit estimation method, needs level of organization code coding system, comprising: draws to by ladder level
The general headquarters that separate, section/department, size groups, personal four units of employee responsible party, each unit carries out industry standardization volume
Code；Three-level index catalogue is set, and three grades index system is standardized information coding by industry requirement；To employee individual
Post, professional qualification certificate, educational background, academic title has engaged, has not engaged, important honor proves, great history in violation of rules and regulations processing record, the age
The requirements such as structure, nationality are standardized information coding.
The ladder level credit estimation method needs the management process to the assessment each department of internal institution, operation flow
Classification is established directoryof and is encoded；It also needs to establish job duty to each post and establishes directoryof and encode；Also
It needs to each supervision department relevant to credit management, professional technique mechanism, social qualification organization and internal supervision department, credit
Department establishes directoryof and is encoded；It also needs to industry relevant to credit management, the rules and regulations of unit, laws and regulations
Directoryof is established one by one to be encoded.
8. ladder level credit estimation method as claimed in claim 1 or 2, which is characterized in that
In step (6), the credit score data weighting value with evident feature after being distributed according to four element integrals calculates life
After the credit scoring and Default Probability of evaluated unit, further includes: according to the credit scoring and Default Probability, generate
The credit report of evaluated unit, may be selected to generate evaluated unit divide into general headquarters in four units, n section/department, n group,
The credit report of n employee individual；Still alternatively generate assessment unit: the personal series letter of general headquarters, section/department, group, employee
With report；
For the major fields of credit problems, major project construction process situation, built in credit score ladder Rating Model 9 certain
One tissue, unit goal difference value column, can be to a certain index type, after the average value comparative analysis of industry index, fastly
Speed is evaluated；To evaluated unit, 9 a certain tissues, unit goal difference value column built in credit score ladder Rating Model
It is evaluated, can be the most concerned relevant issues of industry our unit and department, leading body at a higher level, or need constantly to track
Significant problem；
It is simple for certain discrete units institutional frameworks, do not have the classification of institutional framework ladder and reaches four units, it can be with
Integral distribution is carried out with three units or two units, control scoring template can find associative mode and enter integral distribution scoring；
After industry or assessment unit obtain credit data, the database of total or sub each grade is set, user gradation, limit are set
The calling of user data processed.
9. a kind of ladder level credit evaluation system using ladder level credit estimation method a method as claimed in any one of claims 1-8
System, which is characterized in that it includes sequentially connected: kernel model constructs module, data acquisition module, evidence logging modle, turns
Change the mold block, computing module；Further include the electronic module for signing mane being connect with evidence logging modle, further includes successively connecting with computing module
The grading module that connects, credit report extraction module；
Kernel model constructs module, and being used for will government administration related with evaluated unit law-enforcing department and supervisory institution, third party's profession
Credit accreditation mechanism, public organization, news media, public opinion, internal supervision administrative department, inner credit administrative department it is each
Kind evidence obtaining record and credit sample data, construct credit problems element card mold type relevant to the unit；
Data acquisition module, for obtaining the achievement data of evaluated unit；
Evidence logging modle is wrapped for recording all kinds of evidence letter data relevant to credit index system of evaluated unit
It includes: picture, recording, video recording, minutes, witness's testimony, inspection record at different levels, the administration of justice, public security, the tax, audit processing record；
Conversion module carries out evidence weight conversion for the achievement data to feature on evidence, generates weighted value；
Computing module, the scoring template set in the credit score ladder Rating Model for calling evaluated unit, according to generation
Score data value calculate evaluated unit and divide into the credit scoring and Default Probability of four units；
Electronic module for signing mane, for signing electronically to the credit information for needing distribution, record, electronic signature；
Grading module, for four unit ladder distribution integral numerical value of institutional framework, foundation credit scoring and Default Probability to be optional
Generate evaluated unit, general headquarters, section/department, group, the serial credit report of employee individual with selecting；
Credit report extraction module, for the assessment grading reporter species to generation, according to each unit management group of each industry
The demand of inner credit management is knitted, each kind of credit report for meeting the requirement of industry our unit is formulated.
10. ladder level credit evaluation system as claimed in claim 9, which is characterized in that its course of work is as follows:
S201, the evaluated relevant sample data with evident feature of unit credit, evidence supplier and sample data are acquired
It is standardized coding；
S202, above-mentioned proof data is stored to specified storage location；
S203, the sample data for having evident feature is extracted from designated storage location；
S204, sample data is cleaned；
S205, the sample data analysis after cleaning is handled, credit series of problems element card is made；
S206, technology processing is carried out to credit series of problems element card, is converted to three grades credit achievement data weighted value；Into
Row index seriation standard code；
S207, by ladder level four separate units are divided into unit organization structure, are commented with preset credit score ladder
Sub-model carries out integral distribution with scoring template in four units to three-level credit index value；To evaluated unit and under
If four units carry out seriation standard code；
S208, credit score assignment record clear evident feature data information source person liable, undertake law with electronic signature
Consequence；Coding is standardized to person liable；
S209, after carrying out integral distribution with scoring template, the credit scoring and Default Probability of scoring unit are obtained；
Some separate unit that S210, selection need, generates the credit report of the separate unit, and major fields is selected to be evaluated
Assessment；
The credit report of S211, credit scoring and Default Probability are issued.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110288259A (en) * | 2019-07-02 | 2019-09-27 | 重庆迪川科技有限公司 | A kind of smart city supervisory service method and its platform |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110288259A (en) * | 2019-07-02 | 2019-09-27 | 重庆迪川科技有限公司 | A kind of smart city supervisory service method and its platform |
| CN110288259B (en) * | 2019-07-02 | 2023-06-09 | 重庆迪川科技有限公司 | Smart city supervision service method and platform thereof |
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| CN112699467A (en) * | 2020-12-29 | 2021-04-23 | 香港理工大学深圳研究院 | Method for supervising and checking ships and allocating inspectors in port country |
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| CN112365202A (en) * | 2021-01-15 | 2021-02-12 | 平安科技（深圳）有限公司 | Method for screening evaluation factors of multi-target object and related equipment thereof |
| CN112365202B (en) * | 2021-01-15 | 2021-04-16 | 平安科技（深圳）有限公司 | Method for screening evaluation factors of multi-target object and related equipment thereof |
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| CN117573814A (en) * | 2024-01-17 | 2024-02-20 | 中电科大数据研究院有限公司 | Public opinion situation assessment method, device and system and storage medium |
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