CN110264085A - A kind of assessment of industrial and commercial administration business risk and early warning system - Google Patents
A kind of assessment of industrial and commercial administration business risk and early warning system Download PDFInfo
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Abstract
The invention discloses a kind of assessment of industrial and commercial administration business risk and early warning systems, comprising: risk assessment Warning Service device and pre-alarm display device；Risk assessment Warning Service device includes: operations risks evaluation module, Estimation of Financial Risk of Health module, judicial risk evaluation module and early warning analysis module；Pre-alarm display device includes: display screen and combined aural and visual alarm.The present invention carries out business risk assessment in terms of enterprise operation state, financial data and judicial data three, avoids and only carries out single assessment to enterprise by financial data, to improve the accuracy of enterprise evaluation early warning result；It has fully considered enterprise's multiple target, multifactor correlation simultaneously, the accuracy of enterprise evaluation early warning result has been further improved, so as to accurately adjust enterprise operation direction and enterprise architecture；By the way that pre-alarm display device is arranged, business risk assessment result can be shown visual and clearly, there is preferably reminding effect, convenient for carrying out risk analysis to enterprise.
Description
Technical field
The present invention relates to business risk assessment technology field, more particularly relate to a kind of industrial and commercial administration business risk assessment and
Early warning system.
Background technique
Industrial and commercial administration business risk assessment include three risk identification, risk analysis and risk assessment steps, and combine and
When Risk-warning realize business risk control.
Currently, the assessment of industrial and commercial administration business risk is usually the basic data using the financial statement of enterprise as assessment, by
It is not accurate enough so as to cause enterprise evaluation early warning result in the single assessment of financial statement；And existing business risk assessment
Enterprise's multiple target, multifactor correlation are not fully considered, and it is not accurate enough to further result in enterprise evaluation early warning result.
Summary of the invention
The embodiment of the present invention provides a kind of assessment of industrial and commercial administration business risk and early warning system, to solve above-mentioned background skill
The problem of art.
The embodiment of the present invention provides a kind of assessment of industrial and commercial administration business risk and early warning system, comprising: risk assessment early warning
Server and pre-alarm display device；
The risk assessment Warning Service device includes: operations risks evaluation module, Estimation of Financial Risk of Health module, judicial risk
Evaluation module and early warning analysis module；
The operations risks evaluation module for analyzing the contributory index of enterprise from enterprise operation data, and determines
The index weights of each contributory index；According to the professional standard tribute for contributing numerical value and counterpart contribution index in the enterprise of each contributory index
Numerical value is offered, determines the index relative risk of each contributory index；According to the index of the index weights of each contributory index and each contributory index
Relative risk determines enterprise operation risk assessment relative risk；Wherein, the contributory index includes: to manage growth figure, efficiency of operation
Index, measuring rod of economic performance and return visit feedback index；
The Estimation of Financial Risk of Health module, for analyzing financial assessment index from enterprise's financial data, and according to each
The index weights of financial assessment index and each financial assessment index determine that Financial Risks assess relative risk；Wherein, the wealth
Business evaluation index includes: business growth figure, debt index, cash flow index and credit index；
The administration of justice risk evaluation module, for analyzing positive guiding data and negative guiding number from enterprise's administration of justice data
According to, and according to each guiding data and respective weights, determine enterprise's administration of justice risk assessment relative risk；
The early warning analysis module, for enterprise operation risk assessment relative risk, Financial Risks to be assessed relative risk
Pre- police conduct is assessed with enterprise's administration of justice risk assessment relative risk and enterprise operation risk assessment early warning relative risk, Financial Risks
Dangerous rate and enterprise's administration of justice risk assessment early warning relative risk, are sent to the pre-alarm display device；
The pre-alarm display device includes: display screen and combined aural and visual alarm；
The display screen, for passing through practical risk rate column and early warning relative risk column control display business risk
Assess relative risk；Wherein, the business risk assessment relative risk includes: enterprise operation risk assessment relative risk, business finance wind
Danger assessment relative risk and enterprise's administration of justice risk assessment relative risk；
The combined aural and visual alarm, for issuing sound-light alarm when practical risk rate reaches in advance or reaches early warning relative risk
Signal.
Further, the risk assessment Warning Service device and pre-alarm display device setting monitor indoor in air control.
Further, the enterprise operation data, comprising: EPR system data, HR system data；The business finance number
According to, comprising: financial system data；Enterprise's administration of justice data, comprising: executor's information of breaking one's promise, law court's bulletin, judgement document,
Execute bulletin, industrial and commercial information, shareholder's information, equity information.
Further, the operations risks evaluation module includes: index weights determination unit, the determining list of index relative risk
Member) and risk evaluation result determination unit；
The index weights determination unit, for analyzing the contributory index of enterprise from enterprise operation data, and passes through
Big data analysis statistics and business goal index determine the index weights of each contributory index；
The index relative risk determination unit, for numerical value and counterpart contribution index will to be contributed in the enterprise of each contributory index
Professional standard contribution numerical value compare and analyze, determine the index relative risk of each contributory index；
The risk evaluation result determination unit, for using the index weights of each contributory index as the finger of each contributory index
Relative risk weight is marked, determines enterprise operation risk assessment relative risk.
Further, described to manage growth figure, comprising: operating income growth rate, operating profit growth rate, total assets increase
Long rate；The efficiency of operation index, comprising: the velocity of liquid assets, the turnover of total assets, asset-liability ratio；It is described manage at
Fruit index, comprising: net assets income ratio, Return on Total Assets, profit margin；Index is fed back in the return visit, comprising: positive rating, in
Comment rate and difference comments rate.
Further, the Estimation of Financial Risk of Health module includes: that business increases risk assessment unit, debt risk assessment list
Member, cash flow risk assessment unit and assessing credit risks unit；
The business increases risk assessment unit, for calculating the operating income growth rate of enterprise according to enterprise's financial data
And operating profit growth rate, and according to the operating income growth rate and weight of enterprise and the operating profit growth rate and power of enterprise
Weight determines that business event increases risk assessment relative risk；
The debt risk assessment unit, for calculating asset-liability ratio, the quick ratio of enterprise according to enterprise's financial data
Rate, cash flow debt ratio and Number of times interest earned, and according to the asset-liability ratio of enterprise and weight, the current rate of enterprise and
Weight, the cash flow debt ratio of enterprise and weight, the Number of times interest earned of enterprise and weight, determine enterprise debt risk assessment
Relative risk；
The cash flow risk assessment unit, the assets cash for calculating enterprise according to the financial data of enterprise recycle
Rate, stock turnover rate and surplus cash ensure multiple, and according to the assets cash recovery rate and weight of enterprise, the stock week of enterprise
Rate of rotation and the surplus cash of weight, enterprise ensure multiple and weight, determine enterprise's cash flow risk assessment relative risk；
The assessing credit risks unit, for obtaining the running account quantity of enterprise and pre- according to the financial data of enterprise
The debt-credit credit of the running account credit of phase calculation of time just guiding rate, debt-credit quantity and expected calculation of time just guiding rate, sell
The just guiding rate of credit after sale of quantity and expected calculation of time afterwards, and according to running account credit just guiding rate and weight, debt-credit
Credit just guiding rate and weight, after sale credit just guiding rate and weight, determine Enterprise Credit Risk Evaluation relative risk.
Further, the judicial risk evaluation module, specifically for finding out positive guiding data from enterprise's administration of justice data
With negative guiding data, and to each guiding data assign weight, the sum of the positive guiding data of Weight is accounted for into the total of Weight
The percentage of the sum of guiding data is as enterprise's administration of justice risk assessment relative risk.
Further, the practical risk rate column and the early warning relative risk column are overlapped, and the practical wind
Dangerous rate column is black, and the early warning relative risk column is white；The practical risk rate column and the early warning
The side of relative risk column is provided with relative risk graduation mark.
The embodiment of the present invention provides a kind of assessment of industrial and commercial administration business risk and early warning system, compared with prior art,
It has the beneficial effect that:
The present invention carries out business risk assessment in terms of the operation state of enterprise, financial data and judicial data three, keeps away
The single assessment only carried out by financial data to enterprise is exempted from, to improve the accuracy of enterprise evaluation early warning result.This
Invention analyzes the contributory index of enterprise from enterprise operation data, determines enterprise operation wind according to each contributory index and its weight
Assessment relative risk in danger will especially be paid a return visit feedback index and be included in contributory index, so that enterprise operation risk assessment relative risk has
There is predictability；Enterprise's operating income growth rate, operating profit growth rate, asset-liability ratio, speed are obtained from enterprise's financial data
Dynamic ratio, cash flow debt ratio, Number of times interest earned, assets cash recovery rate, stock turnover rate, surplus cash ensure again
Several, running account credit just guiding rate, debt-credit credit just guiding rate, after sale credit just guiding rate, and according to its weight, determination pair
The Estimation of Financial Risk of Health relative risk answered, especially assesses credit risk, so that Financial Risks assessment relative risk tool
There is predictability；Positive guiding data (energetically, can be the data of enterprise's bonus point) and negative guiding data are found out from judicial data
(negatively, not utilizing the data of development of company), and according to its weight, determine enterprise's administration of justice risk assessment relative risk, i.e., sufficiently
Enterprise's multiple target, multifactor correlation are considered, the accuracy of enterprise evaluation early warning result is further improved, so as to
Enterprise operation direction and enterprise architecture are accurately adjusted, healthy and orderly development is enabled the enterprise to.
Detailed description of the invention
Fig. 1 is the whole principle frame of a kind of industrial and commercial administration business risk assessment provided in an embodiment of the present invention and early warning system
Figure；
Fig. 2 is operations risks evaluation module concrete principle block diagram provided in an embodiment of the present invention；
Fig. 3 is that Estimation of Financial Risk of Health module provided in an embodiment of the present invention has functional block diagram；
Fig. 4 is practical risk rate column and the signal of early warning relative risk column on display screen provided in an embodiment of the present invention
Figure.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Referring to Fig. 1~4, the embodiment of the present invention provides a kind of assessment of industrial and commercial administration business risk and early warning system, the system
It include: risk assessment Warning Service device 1 and pre-alarm display device 2.
Risk assessment Warning Service device 1 in the present embodiment includes: operations risks evaluation module 11, Estimation of Financial Risk of Health mould
Block 12, judicial risk evaluation module 13 and early warning analysis module 14.
Specifically, operations risks evaluation module 11, for analyzing the contributory index of enterprise from enterprise operation data, and
Determine the index weights of each contributory index；According to the industry mark for contributing numerical value and counterpart contribution index in the enterprise of each contributory index
Quasi- contribution numerical value, determines the index relative risk of each contributory index；According to the index weights of each contributory index and each contributory index
Index relative risk determines enterprise operation risk assessment relative risk；Wherein, contributory index includes: to manage growth figure, efficiency of operation
Index, measuring rod of economic performance and return visit feedback index.Estimation of Financial Risk of Health module 12, for being analyzed from enterprise's financial data
Financial assessment index, and according to the index weights of each financial assessment index and each financial assessment index, determine Financial Risks
Assess relative risk；Wherein, the financial assessment index includes: that business growth figure, debt index, cash flow index and credit refer to
Mark；Judicial risk evaluation module 13, for analyzing positive guiding data and negative guiding data from enterprise's administration of justice data, and according to
Each guiding data and respective weights determine enterprise's administration of justice risk assessment relative risk.Early warning analysis module 14 is used for enterprise
Operations risks assess relative risk, Financial Risks assessment relative risk and enterprise's administration of justice risk assessment relative risk and enterprise operation
Risk assessment early warning relative risk, Financial Risks assessment early warning relative risk and enterprise's administration of justice risk assessment early warning relative risk, hair
It send to pre-alarm display device 2.
Above-mentioned technical proposal carries out business risk in terms of the operation state of enterprise, financial data and judicial data three
Assessment avoids the single assessment only carried out by financial data to enterprise, to improve the standard of enterprise evaluation early warning result
True property；It has fully considered enterprise's multiple target, multifactor correlation simultaneously, has further improved the standard of enterprise evaluation early warning result
True property enables the enterprise to healthy and orderly development so as to accurately adjust enterprise operation direction and enterprise architecture.
Pre-alarm display device 2 in the present embodiment includes: display screen 21 and combined aural and visual alarm 22.
Specifically, display screen 21, for passing through practical risk rate column and early warning relative risk column control display enterprise
Industry risk assessment relative risk；Wherein, business risk assessment relative risk includes: enterprise operation risk assessment relative risk, business finance
Risk assessment relative risk and enterprise's administration of justice risk assessment relative risk.Combined aural and visual alarm 22, for being reached in advance when practical risk rate or
When reaching early warning relative risk, sound and light alarm signal is issued.
It should be noted that being displayed for overall risk rate (enterprise operation risk assessment relative risk, business finance wind
Danger assessment relative risk and enterprise's administration of justice risk assessment relative risk), it can be used for showing point under total Financial Risks assessment
Class independent evaluations relative risk.
Above-mentioned technical proposal can show business risk assessment result by setting pre-alarm display device visual and clearly,
With preferably reminding effect, convenient for carrying out risk analysis to enterprise.Further, in practical application, it is risk assessment is pre-
Alert server 1 and the setting of pre-alarm display device 2 are indoor in air control monitoring, are convenient for business risk monitoring.
Further, for example: enterprise operation data, comprising: EPR system data, HR system data；Business finance number
According to, comprising: financial system data；Enterprise's administration of justice data, comprising: executor's information of breaking one's promise, law court's bulletin, judgement document, execution
Bulletin, industrial and commercial information, shareholder's information, equity information.
Further, operations risks evaluation module 11 includes: index weights determination unit 111, the determining list of index relative risk
Member 112 and risk evaluation result determination unit 113.
Specifically, the specific calculating process of enterprise operation risk assessment relative risk are as follows: index weights determination unit 111 is used
It is determined in the contributory index for analyzing enterprise from enterprise operation data, and by big data analysis statistics and business goal index
The index weights of each contributory index；Index relative risk determination unit 112, for will in the enterprise of each contributory index contribute numerical value with
The professional standard contribution numerical value of counterpart contribution index compares and analyzes, and determines the index relative risk of each contributory index；Risk is commented
Estimate result determination unit 113, for using the index weights of each contributory index as the index relative risk weight of each contributory index, really
Determine enterprise operation risk assessment relative risk.
Further, growth figure is managed, comprising: operating income growth rate, operating profit growth rate, total assets increase
Rate；Efficiency of operation index, comprising: the velocity of liquid assets, the turnover of total assets, asset-liability ratio；Measuring rod of economic performance, packet
It includes: net assets income ratio, Return on Total Assets, profit margin；Pay a return visit feedback index, comprising: positive rating, comment rate and difference comments rate.
Further, Estimation of Financial Risk of Health module 12 includes: that business increases risk assessment unit 121, debt risk assessment
Unit 122, cash flow risk assessment unit 123 and assessing credit risks unit 124.
Specifically, business increases risk assessment unit 121, for calculating the operating income of enterprise according to enterprise's financial data
Growth rate and operating profit growth rate, and increased according to the operating income growth rate and weight of enterprise and the operating profit of enterprise
Rate and weight determine that business event increases risk assessment relative risk；Debt risk assessment unit 122, for according to business finance
Data calculate asset-liability ratio, current rate, cash flow debt ratio and the Number of times interest earned of enterprise, and according to the money of enterprise
Produce debt ratio and weight, the current rate of enterprise and weight, the cash flow debt ratio of enterprise and weight, the interest earned of enterprise
Multiple and weight determine enterprise debt risk assessment relative risk；Cash flow risk assessment unit 123, for the wealth according to enterprise
Assets cash recovery rate, stock turnover rate and the surplus cash that data of being engaged in calculate enterprise ensure multiple, and according to the assets of enterprise
Cash recovery rate and the surplus cash of weight, the stock turnover rate of enterprise and weight, enterprise ensure multiple and weight, determine enterprise
Cash flow risk assessment relative risk；Assessing credit risks unit 124, for obtaining the contact of enterprise according to the financial data of enterprise
Account quantity and the running account credit of expected calculation of time just guiding rate, the debt-credit credit of debt-credit quantity and expected calculation of time
Positive guiding rate, the just guiding rate of credit after sale of quantity and expected calculation of time after sale, and according to running account credit just guiding rate
With weight, debt-credit credit just guiding rate and weight, after sale credit just guiding rate and weight, Enterprise Credit Risk Evaluation risk is determined
Rate.
Further, judicial risk evaluation module 13, specifically for found out from enterprise's administration of justice data positive guiding data and
Negative guiding data, and weight is assigned to each guiding data, the sum of the positive guiding data of Weight is accounted for into always leading for Weight
To the sum of data percentage as enterprise's administration of justice risk assessment relative risk.
Preferably, practical risk rate column and early warning relative risk column are overlapped, and practical risk rate column be for
Black, early warning relative risk column are white；The side of practical risk rate column and early warning relative risk column is provided with wind
Dangerous rate graduation mark.
In conclusion the present invention carries out enterprise's wind in terms of the operation state of enterprise, financial data and judicial data three
Danger assessment, avoids the single assessment only carried out by financial data to enterprise, to improve enterprise evaluation early warning result
Accuracy.The present invention analyzes the contributory index of enterprise from enterprise operation data, is determined according to each contributory index and its weight
Enterprise operation risk assessment relative risk will especially be paid a return visit feedback index and be included in contributory index, so that enterprise operation risk is commented
Estimating relative risk has predictability；Enterprise's operating income growth rate, operating profit growth rate, assets are obtained from enterprise's financial data
Debt ratio, current rate, cash flow debt ratio, Number of times interest earned, assets cash recovery rate, stock turnover rate, surplus are existing
Gold ensures multiple, running account credit just guiding rate, debt-credit credit just guiding rate, after sale credit just guiding rate, and according to its power
Weight, determines corresponding Estimation of Financial Risk of Health relative risk, especially assesses credit risk, so that Financial Risks are assessed
Relative risk has predictability；Positive guiding data (energetically, can be the data of enterprise's bonus point) is found out from judicial data and is born
Guiding data (negatively, does not utilize the data of development of company), and according to its weight, determines enterprise's administration of justice risk assessment risk
Rate has fully considered enterprise's multiple target, multifactor correlation, further improve the accurate of enterprise evaluation early warning result
Property, so as to accurately adjust enterprise operation direction and enterprise architecture, enable the enterprise to healthy and orderly development.
Further, the present invention can show business risk assessment knot by setting pre-alarm display device visual and clearly
Fruit has preferably reminding effect, convenient for carrying out risk analysis to enterprise.
Disclosed above is only several specific embodiments of the invention, and those skilled in the art can carry out the present invention
Various modification and variations without departing from the spirit and scope of the present invention, if these modifications and changes of the present invention belongs to the present invention
Within the scope of claim and its equivalent technologies, then the present invention is also intended to include these modifications and variations.
Claims (8)
1. a kind of industrial and commercial administration business risk assessment and early warning system characterized by comprising risk assessment Warning Service device
(1) and pre-alarm display device (2)；
The risk assessment Warning Service device (1) include: operations risks evaluation module (11), Estimation of Financial Risk of Health module (12),
Judicial risk evaluation module (13) and early warning analysis module (14)；
The operations risks evaluation module (11) for analyzing the contributory index of enterprise from enterprise operation data, and determines
The index weights of each contributory index；According to the professional standard tribute for contributing numerical value and counterpart contribution index in the enterprise of each contributory index
Numerical value is offered, determines the index relative risk of each contributory index；According to the index of the index weights of each contributory index and each contributory index
Relative risk determines enterprise operation risk assessment relative risk；Wherein, the contributory index includes: to manage growth figure, efficiency of operation
Index, measuring rod of economic performance and return visit feedback index；
The Estimation of Financial Risk of Health module (12), for analyzing financial assessment index from enterprise's financial data, and according to each
The index weights of financial assessment index and each financial assessment index determine that Financial Risks assess relative risk；Wherein, the wealth
Business evaluation index includes: business growth figure, debt index, cash flow index and credit index；
The administration of justice risk evaluation module (13), for analyzing positive guiding data and negative guiding number from enterprise's administration of justice data
According to, and according to each guiding data and respective weights, determine enterprise's administration of justice risk assessment relative risk；
The early warning analysis module (14), for enterprise operation risk assessment relative risk, Financial Risks to be assessed relative risk
Pre- police conduct is assessed with enterprise's administration of justice risk assessment relative risk and enterprise operation risk assessment early warning relative risk, Financial Risks
Dangerous rate and enterprise's administration of justice risk assessment early warning relative risk, are sent to the pre-alarm display device (2)；
The pre-alarm display device (2) includes: display screen (21) and combined aural and visual alarm (22)；
The display screen (21), for passing through practical risk rate column and early warning relative risk column control display business risk
Assess relative risk；Wherein, the business risk assessment relative risk includes: enterprise operation risk assessment relative risk, business finance wind
Danger assessment relative risk and enterprise's administration of justice risk assessment relative risk；
The combined aural and visual alarm (22), for issuing sound-light alarm when practical risk rate reaches in advance or reaches early warning relative risk
Signal.
2. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the risk assessment
Warning Service device (1) and the pre-alarm display device (2) setting monitor indoor in air control.
3. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the enterprise operation
Data, comprising: EPR system data, HR system data；The enterprise's financial data, comprising: financial system data；The enterprise
Judicial data, comprising: executor's information of breaking one's promise, judgement document, executes bulletin, industrial and commercial information, shareholder's information, stock at law court's bulletin
Weigh information.
4. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the operations risks
Evaluation module (11) includes: index weights determination unit (111), index relative risk determination unit (112) and risk evaluation result
Determination unit (113)；
The index weights determination unit (111), for analyzing the contributory index of enterprise from enterprise operation data, and passes through
Big data analysis statistics and business goal index determine the index weights of each contributory index；
The index relative risk determination unit (112), for numerical value will be contributed to refer to counterpart contribution in the enterprise of each contributory index
Target professional standard contribution numerical value compares and analyzes, and determines the index relative risk of each contributory index；
The risk evaluation result determination unit (113), for using the index weights of each contributory index as each contributory index
Index relative risk weight determines enterprise operation risk assessment relative risk.
5. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the operation increases
Index, comprising: operating income growth rate, operating profit growth rate, total assets growth rate；The efficiency of operation index, comprising: stream
Dynamic asset turnover, the turnover of total assets, asset-liability ratio；The measuring rod of economic performance, comprising: net assets income ratio, total money
Produce earning rate, profit margin；Index is fed back in the return visit, comprising: positive rating, comment rate and difference comments rate.
6. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the financial risk
Evaluation module (12) includes: that business increases risk assessment unit (121), debt risk assessment unit (122), cash flow risk are commented
Estimate unit (123) and assessing credit risks unit (124)；
The business increases risk assessment unit (121), and the operating income for calculating enterprise according to enterprise's financial data increases
Rate and operating profit growth rate, and according to the operating income growth rate and weight of enterprise and the operating profit growth rate of enterprise and
Weight determines that business event increases risk assessment relative risk；
The debt risk assessment unit (122), for calculating asset-liability ratio, the quick ratio of enterprise according to enterprise's financial data
Rate, cash flow debt ratio and Number of times interest earned, and according to the asset-liability ratio of enterprise and weight, the current rate of enterprise and
Weight, the cash flow debt ratio of enterprise and weight, the Number of times interest earned of enterprise and weight, determine enterprise debt risk assessment
Relative risk；
The cash flow risk assessment unit (123), the assets cash for calculating enterprise according to the financial data of enterprise recycle
Rate, stock turnover rate and surplus cash ensure multiple, and according to the assets cash recovery rate and weight of enterprise, the stock week of enterprise
Rate of rotation and the surplus cash of weight, enterprise ensure multiple and weight, determine enterprise's cash flow risk assessment relative risk；
The assessing credit risks unit (124), for according to the financial data of enterprise obtain enterprise running account quantity and
It is expected that the debt-credit credit of the running account credit of calculation of time just guiding rate, debt-credit quantity and expected calculation of time just guiding rate,
The just guiding rate of credit after sale of quantity and expected calculation of time after sale, and according to running account credit just guiding rate and weight, borrow
Credit just guiding rate and weight, after sale credit just guiding rate and weight are borrowed, determines Enterprise Credit Risk Evaluation relative risk.
7. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the administration of justice risk
Evaluation module (13) specifically for finding out positive guiding data and negative guiding data from enterprise's administration of justice data, and leads each
Weight is assigned to data, the sum of positive guiding data of Weight is accounted for into the percentage of the sum of total guiding data of Weight as enterprise
Industry administration of justice risk assessment relative risk.
8. industrial and commercial administration business risk assessment as described in claim 1 and early warning system, which is characterized in that the practical risk
Rate column and the early warning relative risk column are overlapped, and the practical risk rate column is black, the pre- police conduct
Dangerous rate column is white；The side of the practical risk rate column and the early warning relative risk column is provided with relative risk
Graduation mark.
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Cited By (7)
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| CN111292007A (en) * | 2020-02-28 | 2020-06-16 | 中国工商银行股份有限公司 | Supplier financial risk prediction method 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 |
| CN111798208A (en) * | 2020-06-29 | 2020-10-20 | 杭州真内控科技有限公司 | Enterprise financial early warning system under supervision of state resources committee |
| CN112116217A (en) * | 2020-08-28 | 2020-12-22 | 苏宁金融科技(南京)有限公司 | Method, device and system for determining risk probability of business event |
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