CN110210963A - Air control rating system - Google Patents
Air control rating system Download PDFInfo
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- CN110210963A CN110210963A CN201910482802.3A CN201910482802A CN110210963A CN 110210963 A CN110210963 A CN 110210963A CN 201910482802 A CN201910482802 A CN 201910482802A CN 110210963 A CN110210963 A CN 110210963A
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- Prior art keywords
- enterprise
- risk
- management module
- financing
- air control
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/28—Databases characterised by their database models, e.g. relational or object models
- G06F16/284—Relational databases
- G06F16/285—Clustering or classification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The embodiment of the invention provides a kind of air control rating systems.The system includes: financing application module, submits application online for enterprise；Data management module classifies to data collected, structuring, update, the processing such as amendment；Model management module constructs core enterprise's Risk Pricing assessment models；Credit risk management module is that every enterprise formulates personalized credit strategy；Financing management module is made loans situation from the financing of financing project and financing enterprise two angles reflection debtor and creditors；Lender's appropriateness management module matches the project of different risk class according to the risk tolerance of lender, and lender is helped to carry out Decentralization；Post-loan management module tracks after carrying out comprehensive loan to enterprise；Different permissions is arranged according to the responsibility of user of service for authority management module.Air control rating system provided in an embodiment of the present invention not only helps finance/type of financial mechanism to complete from data collection to Risk Pricing, formulate credit strategy, onlineization for tracking entire credit process after borrowing, intelligence are arrived again, and similar net can more be helped to borrow the intelligent management that mechanism as platform completes lender's appropriateness.
Description
Technical field
The present invention relates to Data Analysis Services and Risk Pricing technical fields, more particularly to a kind of air control rating system.
Background technique
The essence of finance is business risk, and risk sources are in information asymmetry.Financing difficulty financing is your problem
It is the long-term problems faced in the whole world, is after all, financial institution obtains information, lowers the cost of degree of asymmetric information
It is too high, efficient, sufficient Risk Pricing can not be carried out to medium-sized and small enterprises.Solve the problems, such as that Financing just needs to provide gold
Melt the ability that mechanism obtains information, processing information and Risk Pricing.
In addition, China's Financial market development is still immature, the risk identification ability shortcoming of the common people is rigidly cashed expected strong
It is strong.In the case where this rigidity is expected, risk can not be gone out clearly in time, but more more long-pending bigger, it is easy to cause systematic risk.Cause
This, breaks the rigid most important thing cashed as financial reform.And risk assessment is carried out to lender, risk education helps to build
The vertical consciousness diversified risks, investment diversification are conducive to enhance the resistivity to risk, cash expection to reduce rigidity, break
Rigidity, which is cashed, to lay the foundation.
Summary of the invention
Invention technical problems to be solved are to provide a kind of air control rating system, by improve data acquisition and
Processing capacity reduces degree of asymmetric information, carries out differentiation Risk Pricing to enterprise, and the risk for rationally controlling single enterprise is spacious
Mouthful, to improve credit efficiency.
In order to solve the above technical problems, the present invention provides a kind of air control rating system, the air control rating system includes:
Financing application module, application is submitted for enterprise online；Data management module classifies to data collected, structuring, more
Newly, correcting process；Model management module constructs core enterprise's Risk Pricing assessment models；Credit risk management module is every enterprise
Formulate personalized credit strategy.
In some embodiments, core enterprise's Risk Pricing assessment models constructed by the model management module, comprising:
Wherein, s is the credit risk score of enterprise, viIt is the score of i-th index of core enterprise, ωiIt is core enterprise
The weight of i indexs.
In some embodiments, the model management module also according to appraisal result to core enterprise carry out Risk Pricing and
Opening control.
In some embodiments, the enterprise includes: core enterprise, branch and subsidiaries, core enterprise and its supply chain upstream and downstream
Enterprise.
In some embodiments, core enterprise's data include: enterprise's essential information, shareholder constitutes situation, enterprise is situated between
Continue, the report of corporate financial information, reference, financing by obligation, stock right financing and guarantee detail, business revenue constitute etc. data.
In some embodiments, further includes: financing management module is borrowed from the two angle reflections of financing project and financing enterprise
The financing for borrowing both sides is made loans situation.
In some embodiments, further includes: lender's appropriateness management module, according to the risk tolerance of lender
Project with different risk class helps lender to carry out Decentralization.
In some embodiments, the management of lender's appropriateness includes three parts: risk evaluation and test, risk adaptation mechanism and risk
Dispersal mechanism, wherein risk Dispersed Mechanism is dispersed from three borrower, core enterprise, project credit grade dimensions, including
Dispersion is reminded and Forced Dispersion, and dispersion, which is reminded to be arranged by platform, reminds threshold value, and threshold value is freely arranged by lender in Forced Dispersion.
In some embodiments, further includes: post-loan management module, from industrial and commercial information, management state, jurisdictional information, public sentiment
Information and performance etc. of refunding track after carrying out comprehensive loan to enterprise.
By adopting such a design, the present invention has at least the following advantages:
Air control rating system provided in an embodiment of the present invention not only help finance/type of financial mechanism complete from data collection to
Risk Pricing formulates credit strategy, then onlineization, intelligent, the reduction information asymmetry of entire credit process are tracked to after borrowing
Degree reduces Low market efficiency, avoids excessive credit, improves credit efficiency；Similar net can be more helped to borrow mechanism as platform complete
At the intelligent management of lender's appropriateness.
Detailed description of the invention
The above is merely an overview of the technical solutions of the present invention, in order to better understand the technical means of the present invention, below
In conjunction with attached drawing, the present invention is described in further detail with specific embodiment.
Fig. 1 is the structure chart of air control rating system provided in an embodiment of the present invention；
Fig. 2 is the functional schematic of air control rating system provided in an embodiment of the present invention；
Fig. 3 is the schematic diagram of debt-credit process provided in an embodiment of the present invention.
Specific embodiment
Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings below, it should be understood that described herein excellent
Select embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention.
Fig. 1 is the structure chart of air control rating system provided in an embodiment of the present invention.Referring to Fig. 1, air control rating system includes:
Corporate process module 11, model management module 12, credit risk management module 13, data management module 14, financing management financing enterprise
Industry module 15, the financing projects module 16 of financing management, customer management module 17, post-loan management module 18 and authority management module
19。
Wherein, corporate process is divided into first round primary dcreening operation and the second wheel uplink data information.First round primary dcreening operation includes a step
Suddenly, it needs to fill in enterprise's full name, industry type, set up time, registered capital, capital subscribed and previous year operating income, just
The condition standard that sieve result is arranged according to system, can judge whether enterprise has qualification application loan immediately.Second wheel is upload
With fill data information phase, uploading content includes enterprise's essential information, industrial and commercial information, shareholder composition situation, Historic Evolution, wealth
Business information is borrowing situation, business revenue composition and preceding ten big customer and supplier etc., and the content of upload is divided according to modular form, can
It can include Word, the file formats such as Exce l, PPT, PDF, JPG.After the second wheel has uploaded data information, enterprise is prompted to leave
Contact method waits auditing result.
Model management 12 is used to be arranged the index of scoring.The index of scoring can increase and delete editable scoring and refer to
Mark, fixed Score index may only be modified.Score index includes the Score index of three types, i.e. numerical indication, logic refers to
Mark and qualitative index.
Credit risk management 13 is used to configure the corresponding amount of different fraction levels, service rate and borrowing rate, for every enterprise
Industry formulates personalized credit strategy.
The processing such as data management 14 classifies to business data collected, structuring, update, amendment.
Financing management module is made loans situation from the financing of financing project and financing enterprise two angles reflection debtor and creditors.
Wherein, loaning bill information includes the data such as contract, invoice, sales contract, order and statement.
Lender's appropriateness management module, the project of different risk class is matched according to the risk tolerance of lender,
Lender is helped to carry out Decentralization.
Post-loan management from industrial and commercial information, management state, jurisdictional information, public feelings information and refund performance etc. to enterprise into
It is tracked after the comprehensive loan of row.
Fig. 2 shows the processes of upload information data in system provided in an embodiment of the present invention.Referring to fig. 2, it is completing
After the first round primary dcreening operation of corporate process, the whole flow process of the upload information data of core enterprise is just run.This process has again
Body includes:
The first step, the enterprise essential information got to enterprise's feedback, shareholder constitute situation, so that enterprise is according to obtaining
Information is modified.Enterprise's essential information and shareholder are namely constituted situation to confirm to enterprise.
Second step obtains the Introduction of enterprises information of enterprise.The Introduction of enterprises information got can be text or Word
File further includes enterprise's evolution, Dong's height prison resume and status of a legal person card copy.
Third step obtains the financial information of enterprise.
Corporate financial information belongs to the first order information of enterprise.Financial information further includes: financial statement, audit report
It accuses and second-level message as bank's flowing water.
The acquisition process of financial statement is to provide uniform template by air control rating system, is uploaded to after being filled in by enterprise and is
System.The acquisition process of bank's flowing water is that enterprise uploads the x l s file comprising bank's flowing water.
4th step is put on record borrowing situation.
It first has to judge that enterprise currently whether there is bank loan.If so, then needing whether the clearly loan had also
Money operation, if there is refund to prove.Also need the end time of clearly this loan, if there are also further continuous loans.Moreover,
If there is in credit item mesh, it is also necessary to upload in credit item purpose loan agreement.
5th step, business revenue are constituted.
It needs enterprise to upload business revenue and constitutes relevant information.
6th step uploads preceding ten big supplier and customer information.
Core enterprise is needed to upload the relevant information of preceding ten big supplier and client according to provided template style, including
The information such as vendor name, type, buying material, the amount of money, accounting and duration of the cooperative operation.
After all information have been filled in by core enterprise, judge whether enterprise is currently related to sensitive information.
The judgement for whether being related to sensitive information further comprises: whether enterprise is the executor that breaks one's promise；Whether enterprise, which relates to, is told；Enterprise
Industry whether be affiliated company senior executive, shareholder and legal person；And judge whether enterprise is listed company, if it is listed company, then
Backstage crawls the financial statement of enterprise automatically.Once should then be immediately finished data information it was found that enterprise is executed person of breaking one's promise
Upload procedure.Once being told it was found that enterprise relates to, then enterprise's submission should be required to relate to and tell statement file.If this article is not submitted by enterprise
Part no longer performs the next step rapid.
Next uplink data information is audited by air control personnel, during audit, enterprise customer is prompted to need
To.
Next, showing preliminary interest rate, service rate and star as a result, and if enterprise is prompted to continue supplemental information
Amount can also be promoted and obtain preferential interest rate.
After air control personnel signal auditing filled out to enterprise, enterprise requires supplementation with fill message list, perfect enterprise
Information.
Finally, showing final loan limit, interest rate and service rate result to enterprise.
Fig. 2 also shows the function of air control rating system risk control department, i.e. air control rating system function.Referring to figure
2, the risk control department in system includes five functional modules, they are respectively: data management, model management, credit risk management,
Financing management and post-loan management.
In model management module, it can increase, delete and modify Score index.Score index includes numerical indication, logic
Index and qualitative index.Each index can increase in this module, delete and either modify.
Moreover, the weight of each Score index can also be modified in model management.If the weight of a Score index
It is elevated, then the index is even more important in final scoring process；If the weight of a Score index is lowered, commenting
The significance level of the index also declines therewith during point.
The processing such as the purpose of data management is to classify to data collected, structuring, update, amendment.Data
It includes: enterprise's Basic Information Table, business information of enterprise table, the general view of shareholder's information, website information, people that management, which needs the target managed,
Member information, branch, manage exception information, contact method, Introduction of enterprises, financial information, borrow situation, it is receivable constitute, it is preceding
Ten suppliers and client and self-defining data.
The function of credit risk management is to formulate personalized credit strategy for every enterprise.
Fig. 2 also shows financing management function in air control rating system provided in an embodiment of the present invention.Referring to fig. 2, melting
Provide in management function, include: financing project and financing enterprise reflect debtor and creditor from two angles of financing project and financing enterprise
Financing make loans situation.
Financing management function can also provide the general view function to loaning bill information.The project for capableing of general view includes: data name
Title, borrower, borrower's phone, core enterprise, core enterprise's phone, the amount of money, invoice check results, service charge amortization ratio.
Fig. 2 also shows the public feelings information management function in system.Referring to fig. 2, the content of public feelings information management: industry and commerce letter
Cease change, business circumstance early warning, judgement document's state, executed person information, break one's promise executed person information, announcement of court session, enterprise
Public feelings information, invoice are abnormal, refund shows, data after material items and loan.
Management to enterprise's public feelings information includes: by the relevant information of network discovery enterprise, may include front, negative
With neutral information, foundation is provided to enterprise's credit strategy.
Management to invoice information includes: regular examination invoice information, if it find that having exception information, such as false hair
Ticket is alarmed by mail immediately.
Core enterprise's loan application process: firstly, core enterprise needs to provide the essential information of login account, pass through first
Primary dcreening operation is taken turns, access qualification is determined whether there are.Then, core enterprise needs to improve data in the second wheel, and system can pass through third
Square Data web site collects core enterprise's relevant information automatically, and be supplied to core enterprise modification and it is perfect.Core enterprise is uploading
Complete essential information, Introduction of enterprises, financial situation and after borrowing situation, air control personnel can audit enterprise's money in air control rating system
Material.After core enterprise's data verification passes through, system will score (automatic scoring item) to core enterprise automatically, and air control personnel are people
It, can be to core enterprise's credit after work scoring item scores one by one.
The target of air control automation may be implemented after air control rating system is online.By to before loan, borrow in, borrow after three rings
Information collection, the Analysis of Policy Making of section, realize the automatic management and control to air control links.
Wherein, air control directive function reaches flexible and general establishment air control index by the abstract classification to air control rule
Effect.It can flexibly increase, delete and modify the content of air control index, to reach the automatic management to Score index.
In addition, air control index will can establish level-one, second level industry index according to industry index classification, to be more convenient more intuitively
Air control index is managed, the working efficiency of air control personnel is improved.
In addition, the data that air control rating system can be submitted according to each core enterprise and the information that is collected into carry out unification
Evaluation, the mode of evaluation are the summation of each air control index obatained score.The weight for enabling each index is ωi, index acquisition
Score be vi, then the core enterprise obtain total score beWith the resulting total score of each core enterprise, according to point
Number quota control table carries out the authorization of different amounts and star.Due to using the licensing process of above-mentioned amount and star, this
The air control rating system that inventive embodiments provide has the characteristics that unified score and credit.
Fig. 3 shows the flow chart of borrowing process in air control rating system provided in an embodiment of the present invention.Referring to Fig. 3, core
Heart enterprise after registration, typing information.After the completion of air control department audits it, if there is qualification of providing a loan, then sent to loaning bill end
Application of opening an account is requested, and opens account for core enterprise.Core enterprise is after supplier opens an account at loaning bill end, and supplier improves and opens an account
Information and essential information, then loan application.When loan application, need to inquire to air control rating system the amount that can finance and
The interest rate and service rate enjoyed, and be saved in the database of the local loaning bill end (SVC).It (is borrowed when loan application is signed a contract
The state of money application is become in audit by rough draft), all loan application synchronizing informations are sent to air control rating system.Application
When loaning bill, after the synchronizing information of loaning bill end typing invoice is to air control rating system, API is inquired by air control rating system access invoice
Open interface records query result, and informs loaning bill end true from false of bills.Air control rating system is believed according to SVC synchronous target
Breath, sets the automatic wire charging time of target, and access SVC interface synchronization on-line time.The automatic wire charging time is reached, SVC is automatic
Target is online.Target is concentrated per online 5 and steps on net registration in going once, and records enrollment results by air control rating system.
The above described is only a preferred embodiment of the present invention, be not intended to limit the present invention in any form, this
Field technical staff makes a little simple modification, equivalent variations or modification using the technology contents of the disclosure above, all falls within this hair
In bright protection scope.
Claims (9)
1. a kind of air control rating system characterized by comprising
Financing application module, application is submitted for enterprise online；
Data management module classifies to data collected, structuring, update, correcting process；
Model management module, building business risk price assessment models；
Credit risk management module is that every enterprise formulates personalized credit strategy.
2. air control rating system according to claim 1, which is characterized in that enterprise constructed by the model management module
Risk Pricing assessment models, comprising:
Wherein, s is the credit risk score of enterprise, viIt is the score of i-th index of core enterprise, ωiIt is core enterprise i-th
The weight of index.
3. air control rating system according to claim 1 or 2, which is characterized in that the model management module is also according to commenting
Result is divided to carry out Risk Pricing and open control to core enterprise.
4. air control rating system according to claim 1 or 2, which is characterized in that the enterprise includes: core enterprise, core
Branch and subsidiaries, heart enterprise and its supply chain upstream and downstream firms.
5. air control rating system according to claim 4, which is characterized in that core enterprise's data include: enterprise's base
It is bright that this information, shareholder constitute situation, Introduction of enterprises, corporate financial information, reference report, financing by obligation, stock right financing and guarantee
Carefully, the data such as business revenue composition.
6. air control rating system according to claim 1 or 2, which is characterized in that further include:
Financing management module is made loans situation from the financing of financing project and financing enterprise two angles reflection debtor and creditors.
7. air control rating system according to claim 1 or 2, which is characterized in that further include:
Lender's appropriateness management module matches the project of different risk class according to the risk tolerance of lender, helps
Lender carries out Decentralization.
8. air control rating system according to claim 7, which is characterized in that lender's appropriateness management includes three parts:
Risk evaluation and test, risk adaptation mechanism and risk Dispersed Mechanism, wherein risk Dispersed Mechanism is believed from borrower, core enterprise, project
Dispersed with three dimensions of grade, including dispersion is reminded and Forced Dispersion, dispersion, which is reminded to be arranged by platform, reminds threshold value, forces
Threshold value is freely arranged by lender in dispersion.
9. air control rating system according to claim 1 or 2, which is characterized in that further include:
Post-loan management module, from industrial and commercial information, management state, jurisdictional information, public feelings information and performance etc. of refunding to enterprise
It is tracked after carrying out comprehensive loan.
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| CN111402054A (en) * | 2020-03-16 | 2020-07-10 | 中科天玑数据科技股份有限公司 | Risk judgment method and system for equity financing platform |
| CN111445324A (en) * | 2020-03-26 | 2020-07-24 | 宁波全致金融科技有限公司 | Logistics industry micropayment loan wind control method, model and device |
| CN111476660A (en) * | 2020-04-27 | 2020-07-31 | 大汉电子商务有限公司 | Intelligent wind control system and method based on data analysis |
| CN111598705A (en) * | 2020-05-18 | 2020-08-28 | 山东管理学院 | Technical risk assessment method and system for investment risk project |
| CN112308638A (en) * | 2020-10-29 | 2021-02-02 | 北京中科闻歌科技股份有限公司 | False invoice behavior detection method and device, electronic equipment and storage medium |
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Application publication date: 20190906 |