CN110322089A - Enterprise Credit Risk Evaluation method and its system - Google Patents
Enterprise Credit Risk Evaluation method and its system Download PDFInfo
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Abstract
The present invention provides a kind of Enterprise Credit Risk Evaluation method, a kind of Enterprise Credit Risk Evaluation method includes the following steps: the step that scores: according to parameter preset, obtaining enterprise's score, and defines weight coefficient；Company information obtaining step: according to enterprise's score, company information is obtained；Company information matching step: the company information obtained is matched with default identification information, obtains missing values, error value；Amendment step: according to missing values, the missing values of current enterprise information are supplemented；According to error value, weight coefficient is updated.It is single according to single and analytical property that Enterprise Credit Risk Evaluation method provided by the invention solves the problems, such as that current letter comments system letter to comment.The frame of model foundation i.e. of the present invention not only includes the microcosmic financial data of traditional enterprise, the data and macroeconomy cycle data that industry where further comprising enterprise moves in turn.
Description
Technical field
The present invention relates to appraisal procedures, and in particular, to a kind of Enterprise Credit Risk Evaluation method and its system.
Background technique
As the continuous development of China Capital Markets is sound, investor is more comprehensive to the information announcing of investment target, deep
Enter and becomes privileged.Existing more rating organization and ranking method in Vehicles Collected from Market, such as Chinese five big rating organizations and state
The big rating organization of the three of border carries out the analysis of business solvency etc. by using the mode that credit grade is classified.Another kind of wind
Dangerous analysis method is credit risk qualitative analysis, and the analysis is from financial data, according to statistical model and the law of large numbers to wealth
Business data carry out strong rice analysis.What main representative model had the graceful Z-Score model of Aunar and a later period is applied to assessing credit risks
Logit analyze (Ohlson is put forward for the first time).
Many years historical development and differentiation are passed through in the credit rating analysis that the above method provides, and it is public to have been developed as people
Unified credit rating, it has also become the basic reference information of investment analysis decision, but in order to more meet capital market investment
Person's policy requirement, the present invention establish the credit-graded approach for security secondary market issuing subject.This method and traditional
Rating model and method are more than target layers, dimension, have depth.Each single index can be according to industry common feature and enterprise
Personal characteristics assigns the more intensions of index outstanding problem place simultaneously.Enable the more acurrate reflection enterprise of an achievement data
Ability section (including debt paying ability, profitability, operation ability, executive capability etc.).In dimension, reflection credit dimension increases
It is more, including microcosmic dimension (financial data, strategic execution, financial competition ability of a enterprise etc.), macro (economic cycle, market
Policy, monetary policy, trade information etc.).Above-mentioned thinking, calculating process are executed eventually by computer programing, are completed at once
The letter of enterprise dominant scores analysis.
For patent document application No. is 201710669426.X, publication No. is that CN107437151A discloses a kind of business standing
Ranking method: step 1, quantization capacity index weight, capacity index include industry development index, Core Team mass index,
It is normative with risk, strength scale, debt paying ability, profitability, operation ability, business growth ability, technology and innovation ability and
Market and channel index；Step 2, quantization details index weights；Step 3, each capacity index and each details for enterprise
Index scoring；The product capacitation index total score of step 4, each capacity index weight that adds up and corresponding index scoring, adds up
Each details index weights and the product of corresponding index scoring obtain details index total score, and business standing score=capacity index is total
Point+details index total score.The descriptive language of non-financial target is converted component number by the present invention, using the method for quantitative study
All indexs are brought into unified evaluation criterion.Finally formed medium-sized and small enterprises credit Rating Model for bank provide by
Subjective judgement is reduced to minimum ranking method, can carry out just objective credit to such enterprise using this thinking and comment
Valence.The method weight and capacity index the same to all enterprise's uses cause credit scoring result not have specific aim.It influences
The debt paying ability of investor's discrimination enterprise.
For patent document application No. is 201611005871.8, publication No. is that CN106503924A discloses a kind of little Wei enterprise
Credit assessment method, including credit appraisal module, credit acquisition module, credit analysis module, data memory module, personal credit
Evaluation module, enterprise operation credit evaluation module and display module；Data memory module is connect with the first data collector, credit
Analysis module is electrically connected with the second data collector, third data collector, and data memory module is electrically connected with credit analysis module
It connects, personal credit file model is electrically connected with data memory module, and enterprise operation credit evaluation model and data memory module connect
It connects, credit evaluation module is connect with personal credit file module, enterprise operation credit evaluation module, and display module is used for according to letter
Enterprise credit risk report is generated with the calculated result of evaluation module.The evaluation point to small micro- business standing degree can be achieved in the present invention
Analysis, the analysis convenient for foreign enterprises to enterprise improve the opportunity of investment.
The selection difference of the sample index of this method is big, formula algorithm difference is big, to influence the credit rating to enterprise
Judgement.
Summary of the invention
For the defects in the prior art, the object of the present invention is to provide a kind of Enterprise Credit Risk Evaluation method and its it is
System.
A kind of Enterprise Credit Risk Evaluation method provided according to the present invention, includes the following steps:
Score step: according to parameter preset, obtaining enterprise's score, and defines weight coefficient；
Company information obtaining step: according to enterprise's score, company information is obtained；
Company information matching step: the company information obtained is matched with default identification information, acquisition missing values,
Error value；
Amendment step: according to missing values, the missing values of current enterprise information are supplemented；According to error value, power is updated
Weight coefficient；
Sending step: enterprise's score is sent to by user terminal by internet or local area network；
Display step: enterprise's score is shown in user terminal.
Preferably, the company information includes credit information of enterprise；
The parameter preset includes the operation pressure parameter, operation development parameter, market competition parameter and financial competition ginseng
Number；
The Enterprise Credit Risk Evaluation method includes:
Printing step: the weight coefficient is printed.
The present invention also provides a kind of enterprise evaluations realized using above-mentioned Enterprise Credit Risk Evaluation method to screen system
System, including module M1；
The module M1: the quantification treatment of various dimensions index basic data；
The quantification treatment of the various dimensions index basic data includes converting qualitative index to quantizating index, quantizating index
Single dimension index score is obtained after combined weighted；
The qualitative index include industry development inertia index, enterprise development threaten index, Financial fraud coefficient index with
And enterprise reforms coefficient index.
Preferably, including module M2；
The module M2: processing module M1 resulting each single dimension index score, and carry out recombination again and add
Power obtains final business standing comprehensive score.
Preferably, including module M3；
The module M3: business standing comprehensive score final obtained by module M2 is modified, and obtains comprehensive assessment
Scoring；
In comprehensive assessment scoring, irrelevance big scoring enterprise and shortage of data enterprise are obtained, and enters investigation link；
According to industry characteristic information, enterprise characteristic information and information data, index item and weight proportion are corrected.
Compared with prior art, the present invention have it is following the utility model has the advantages that
1, Enterprise Credit Risk Evaluation method and its system provided by the invention meet institutional investor and more become privileged throwing
Provide analysis of strategies demand.
2, letter comments system letter to comment according to single and analysis at present for Enterprise Credit Risk Evaluation method solution provided by the invention
The problem of single property.The frame of model foundation i.e. of the present invention not only includes the microcosmic financial data of traditional enterprise, is further comprised
The data and macroeconomy cycle data that industry where enterprise moves in turn.
3, the language that Enterprise Credit Risk Evaluation method provided by the invention is programmed by computer programing, breaches one
It is a to realize technical problem, i.e., the ability of quick more ranges, various dimensions crawl data.Save the analysis decision of investment institution
Time.
4, Enterprise Credit Risk Evaluation method provided by the invention improves the efficiency of anticipating risk loss, reduces investment fault
Probability.Score-system is arranged from the angle of prevention investment risk in the present invention, data screening and weight proportion in establishment process
Link is more harsh, therefore it is lower to choose all enterprise's entirety scores come.Certain warning, pre- is played to investment decision person
Anti- effect.
5, Enterprise Credit Risk Evaluation method provided by the invention promotes the efficiency of decision-making of investment decision person.Save manpower at
This, saves the information search time.If investor can not be rapidly completed in the short time again not by the processing of computer programing
The browsing and analysis of the indexs such as tens financial datas, operation ability index, competitiveness indicator, industry development inertia.By this
Algorithm and setting by computer programing, the more times of ranges for increasing human brain analysis, can complete to sweep in 3.5 seconds disk+
Trading strategies are exported to personnel.
Detailed description of the invention
Upon reading the detailed description of non-limiting embodiments with reference to the following drawings, other feature of the invention,
Objects and advantages will become more apparent upon:
Fig. 1 is the flow chart of Enterprise Credit Risk Evaluation method provided by the invention.
Specific embodiment
The present invention is described in detail combined with specific embodiments below.Following embodiment will be helpful to the technology of this field
Personnel further understand the present invention, but the invention is not limited in any way.It should be pointed out that the ordinary skill of this field
For personnel, without departing from the inventive concept of the premise, several changes and improvements can also be made.These belong to the present invention
Protection scope.
The present invention provides Enterprise Credit Risk Evaluation method, include the following steps: the step that scores: according to parameter preset,
Enterprise's score is obtained, and defines weight coefficient；Company information obtaining step: according to enterprise's score, company information is obtained；Enterprise's letter
Breath matching step: the company information obtained is matched with default identification information, obtains missing values, error value；Amendment step
It is rapid: according to missing values, the missing values of current enterprise information being supplemented；According to error value, weight coefficient is updated；Send step
It is rapid: enterprise's score is sent to by user terminal by internet or local area network；Display step: the enterprise is shown in user terminal
Score.
The company information includes Credit Risk Assessment of Enterprise information；The parameter preset includes the operation pressure parameter, operation hair
Open up parameter, market competition parameter and financial competition parameter；The Enterprise Credit Risk Evaluation method includes: printing step: being beaten
Print the weight coefficient.
The present invention also provides a kind of enterprise evaluations realized using above-mentioned Enterprise Credit Risk Evaluation method to screen system
System, including module M1；The module M1: the quantification treatment of various dimensions index basic data；The various dimensions index basic data
Quantification treatment include obtaining single dimension index after converting qualitative index to quantizating index, quantizating index combined weighted to obtain
Point；The qualitative index includes industry development inertia index, enterprise development threat index, Financial fraud coefficient index and enterprise
Reform coefficient index.
Enterprise evaluation screening system provided by the invention, including module M2；The module M2: processing module M1 is resulting each
A single dimension index score, and carry out recombination weighting again and obtain final business standing comprehensive score, i.e., it is of the invention
The Enterprise Credit Risk Evaluation method of offer.
Enterprise evaluation screening system provided by the invention, including module M3；The module M3: final to module M2 gained
Business standing comprehensive score is modified, and show that comprehensive assessment is scored；In comprehensive assessment scoring, acquisition irrelevance is big to be commented
Divide enterprise and shortage of data enterprise, and enters investigation link；According to industry characteristic information, enterprise characteristic information and Information Number
According to amendment index item and weight proportion.
Enterprise Credit Risk Evaluation method provided by the invention and its method are further described below: analysis object
For security secondary market issuing subject (i.e. with the public enterprise of public information).
Methods of marking:
1) calculating process, i.e. scoring step and company information obtaining step: by short-term the operation pressure from enterprise, long-term
The operation pressure, operation develop five inertia, the market competitiveness, financial competition ability dimensions and give a mark to the credit situation of enterprise,
Full marks 10 divide, and 7 points the above are can invest.
Above five dimensions index score first is calculated according to formula respectively, then is obtained after These parameters are carried out coefficient weighting
An overall target data out, the i.e. credit scoring of enterprise.
Wherein each index is by each financial analysis indexes, key finance/operation data warp again in five dimensions
It is calculated after crossing combined sorting (addition subtraction multiplication and division).
2) makeover process, i.e. amendment step: selection certain amount enterprise carries out first run test, and emphasis finds no data enterprise
With effort analysis large enterprises, and enter data and check link, assigns during being redefined belonging to data to no data enterprise or again
Value；The enterprise big to effort analysis redefines weight coefficient according to enterprise's qualitative analysis and research experience.
Five dimension indexs, i.e. parameter preset specific explanations:
1) short-term the operation pressure: find showed during enterprise run immediately with the financial data of upstream and downstream, enterprise itself
Operation data performance, enterprise's floating debt index, enterprise's floating debt index stability, the short-term emergency event of enterprise+routine section
Play the operation pressure under amplification debt-credit investment smoothing processing；
2) long-term the operation pressure: enterprise's long-term debt, market stability degree, finance stable degree, debt develop channel, operation hair
The comprehensive score in channel, Regional Development Environment is opened up, the long-term financial pressure of anticipation enterprise and the operation pressure are attempted；
3) operation develops convention: passing through enterprise operation strength, profit strength, Financial Distress analysis, financial change intensity, enterprise
Industry development stability degree, industry comprehensive development stability, different coefficient weightings judge enterprise development channel；
4) market competitiveness: by the way that in enterprise 5 years, finance, social aggregation of data ranking are calculated in a manner of inverted order weight
Weighting ranking of the enterprise in the whole industry, the wherein operating cost of emphasis making assessments of the performance of each enterprise, income stability, profitability and exploitation
Expenditure+R & D Expenditures ROI rhythm；
5) financial competition ability: by the period of increasing the interest, the period of dropping interests different channels under, enterprise at that time, new development immediately
Decision direction, interest rate height to judge financial atmosphere competitiveness of the enterprise at that time, immediately in situation attempt amendment operation
Coefficient.
Technical solution of the present invention mainly includes that data quantization processing module, score data COMPREHENSIVE CALCULATING module and data are repaired
Positive module.It concrete function and is described as follows:
A module, i.e. module M1: the quantification treatment module of various dimensions index basic data.This module mainly includes will be qualitative
Index is converted into quantizating index, quantizating index reconfigures the score that single dimension index is obtained after weighting.Qualitative index includes
Industry development inertia index, enterprise development threaten index, Financial fraud coefficient index, enterprise to reform coefficient index.
B module, i.e. module M2: the index score of the processing resulting each dimension of A module, and recombination weighting processing is carried out again
Final enterprise's credit comprehensive score is calculated.
C module, i.e. module M3: score data obtained by B module is modified.After B module obtains comprehensive score, the side of passing through
Difference, which calculates, finds out irrelevance big scoring enterprise and shortage of data enterprise, and enters investigation link, according to inventor to industry spy
The understanding of sign, enterprise characteristic, and by other information data, index item and weight proportion are corrected again.By repeatedly correcting
It is determined with experiment and calculates comprehensive score.
One skilled in the art will appreciate that in addition to realizing method provided by the invention in a manner of pure computer readable program code
It, completely can be by the way that method and step be carried out programming in logic come so that the present invention provides and its other than each device, module, unit
Method and its each device, module, unit with logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and embedding
Enter the form of the controller that declines etc. to realize identical function.So method provided by the invention and its every device, module, list
Member is considered a kind of hardware component, and to include in it can also for realizing the device of various functions, module, unit
To be considered as the structure in hardware component；It can also will be considered as realizing the device of various functions, module, unit either real
The software module of existing method can be the structure in hardware component again.
Specific embodiments of the present invention are described above.It is to be appreciated that the invention is not limited to above-mentioned
Particular implementation, those skilled in the art can make a variety of changes or modify within the scope of the claims, this not shadow
Ring substantive content of the invention.In the absence of conflict, the feature in embodiments herein and embodiment can any phase
Mutually combination.
Claims (5)
1. a kind of Enterprise Credit Risk Evaluation method, which comprises the steps of:
Score step: according to parameter preset, obtaining enterprise's score, and defines weight coefficient；
Company information obtaining step: according to enterprise's score, company information is obtained；
Company information matching step: the company information obtained is matched with default identification information, obtains missing values, mistake
Value；
Amendment step: according to missing values, the missing values of current enterprise information are supplemented；According to error value, weight system is updated
Number；
Sending step: enterprise's score is sent to by user terminal by internet or local area network；
Display step: enterprise's score is shown in user terminal.
2. Enterprise Credit Risk Evaluation method according to claim 1, which is characterized in that the company information includes enterprise
Credit information；
The parameter preset includes the operation pressure parameter, operation development parameter, market competition force parameter and financial competition ability ginseng
Number；
The Enterprise Credit Risk Evaluation method includes:
Printing step: the weight coefficient is printed.
3. a kind of rating business credit realized using Enterprise Credit Risk Evaluation method described in as claimed in claim 1 or 22 screens system
System, which is characterized in that including module M1；
The module M1: the quantification treatment of various dimensions index basic data；
The quantification treatment of the various dimensions index basic data includes converting qualitative index to quantizating index, quantizating index combination
Single dimension index score is obtained after weighting；
The qualitative index includes industry development inertia index, enterprise development threat index, Financial fraud coefficient index and enterprise
Industry reforms coefficient index.
4. enterprise evaluation screening system according to claim 3, which is characterized in that including module M2；
The module M2: processing module M1 resulting each single dimension index score, and carry out recombination weighting again and obtain
Final Credit Risk Assessment of Enterprise is taken to score.
5. enterprise evaluation screening system according to claim 3, which is characterized in that including module M3；
The module M3: being modified business standing comprehensive score final obtained by module M2, and show that comprehensive assessment is scored；
In comprehensive assessment scoring, irrelevance big scoring enterprise and shortage of data enterprise are obtained, and enters investigation link；According to
Industry characteristic information, enterprise characteristic information and information data correct index item and weight proportion.
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110852600A (en) * | 2019-11-07 | 2020-02-28 | 江苏税软软件科技有限公司 | Method for evaluating dynamic risk of market subject |
| CN111626844A (en) * | 2020-05-11 | 2020-09-04 | 北京联行信用管理服务有限公司 | Enterprise credit assessment method and device based on big data analysis |
| CN111709669A (en) * | 2020-07-08 | 2020-09-25 | 天元大数据信用管理有限公司 | Enterprise credit scoring system and method |
| CN111754317A (en) * | 2020-06-16 | 2020-10-09 | 曹明洲 | Financial investment data evaluation method and system |
| CN111932268A (en) * | 2020-08-03 | 2020-11-13 | 中国工商银行股份有限公司 | Enterprise risk identification method and device |
| CN112053234A (en) * | 2020-09-04 | 2020-12-08 | 天元大数据信用管理有限公司 | Enterprise credit rating method based on macroscopic region economic index and microscopic factor |
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| CN111709669A (en) * | 2020-07-08 | 2020-09-25 | 天元大数据信用管理有限公司 | Enterprise credit scoring system and method |
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| CN112053233A (en) * | 2020-09-04 | 2020-12-08 | 天元大数据信用管理有限公司 | Dynamic small and medium enterprise credit scoring method and system based on GRA |
| CN112053233B (en) * | 2020-09-04 | 2023-11-14 | 天元大数据信用管理有限公司 | GRA-based dynamic medium and small enterprise credit scoring method and system |
| CN112734271A (en) * | 2021-01-19 | 2021-04-30 | 建信金融科技有限责任公司 | Growth curve regression model training method and enterprise evaluation index generation method |
| CN113256163A (en) * | 2021-06-21 | 2021-08-13 | 成都秦川物联网科技股份有限公司 | Smart city government affair cloud platform off-network operation method and system |
| CN113313615A (en) * | 2021-06-23 | 2021-08-27 | 北京鼎泰智源科技有限公司 | Method and device for quantitatively grading and grading enterprise judicial risks |
| CN113837859A (en) * | 2021-08-25 | 2021-12-24 | 天元大数据信用管理有限公司 | Small and micro enterprise portrait construction method |
| CN113837859B (en) * | 2021-08-25 | 2024-05-14 | 天元大数据信用管理有限公司 | Image construction method for small and micro enterprises |
| CN113962614A (en) * | 2021-12-21 | 2022-01-21 | 深圳市迪博企业风险管理技术有限公司 | Intelligent examination method and device for business abnormity of listed company |
| CN116485256A (en) * | 2023-04-23 | 2023-07-25 | 汇通达网络股份有限公司 | Dynamic evaluation method for demand unit credibility based on product operation period |
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