CN110544171A - Investment management service system based on credit system - Google Patents
Investment management service system based on credit system Download PDFInfo
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- CN110544171A CN110544171A CN201910815928.8A CN201910815928A CN110544171A CN 110544171 A CN110544171 A CN 110544171A CN 201910815928 A CN201910815928 A CN 201910815928A CN 110544171 A CN110544171 A CN 110544171A
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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
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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
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses an investment management service system based on a credit system, which comprises a financial data acquisition module, a data preprocessing module, a data sorting and analyzing module, a financial database, a income analyzing module and a credit evaluation management module. The method acquires the investment credit evaluation coefficient of each enterprise to be invested by collecting the basic financial information of the enterprise to be invested, and carries out pretreatment, analysis and evaluation on the basic financial information of the enterprise to be invested, screens the investment credit evaluation coefficient of each enterprise and the set investment credit evaluation coefficient threshold value, sorts the investment credit evaluation coefficients in a descending order and sequentially pushes the investment credit evaluation coefficients to investment users, is convenient for analyzing the credit of each enterprise to be invested, has the characteristic of high accuracy, provides reliable analysis of investment evaluation for the investment users, avoids the investment users from being incapable of effectively screening the enterprise to be invested, and provides reliable investment pushing service for investment management of the investment users.
Description
Technical Field
The invention belongs to the technical field of investment analysis management, and relates to an investment management service system based on a credit system.
background
At present, some small enterprises are troubled by the problems of difficult financing and expensive financing, the credit level of many small and medium-sized enterprises cannot reach the specified standard credit, the traditional enterprises attract investment users or other enterprises to carry out frequent statistics on the credit level of the enterprises, whether the credit level standard of the enterprises is greater than the specified standard credit level is judged, investment is carried out if the credit level standard of the enterprises is met, if the credit level standard of the enterprises is not met, investment is not carried out, and due to the fact that the detection accuracy of the credit level of the enterprises is poor and the enterprises do not compare with the credit of other enterprises, the best investment enterprise is selected for investment users.
disclosure of Invention
The invention aims to provide an investment management service system based on a credit system, which solves the problem that the existing enterprise credit statistics is poor in accuracy, cannot be comprehensively compared with other enterprises, and further cannot improve the investment benefit maximization of investment users.
The purpose of the invention can be realized by the following technical scheme:
an investment management service system based on a credit system comprises a financial data acquisition module, a data preprocessing module, a data sorting and analyzing module, a financial database, a profit analyzing module and a credit evaluation management module;
The financial data acquisition module is connected with the data preprocessing module, the data preprocessing module is respectively connected with the data sorting and analyzing module, the financial database and the credit evaluation management module, the data sorting and analyzing module is connected with the income analyzing module, and the credit evaluation management module is respectively connected with the data sorting and analyzing module and the income analyzing module;
The financial data acquisition module is used for acquiring basic financial information of each enterprise to be invested, and the acquired basic financial information of the enterprise to be invested is sent to the data preprocessing module;
the data preprocessing module is used for receiving the basic financial information of each enterprise to be invested, which is sent by the financial data acquisition module, carrying out data preprocessing on the received basic financial information of each enterprise to be invested, deleting data contents, which are irrelevant to income, expenditure amount, amount to be received, amount to be paid, transfer account of income, transfer account of expenditure and daily income information, in the obtained basic financial information of the enterprise to be invested, and sending the processed basic financial information of the enterprise to be invested to the financial database, the data sorting and analyzing module and the credit evaluation management module respectively;
The data sorting and analyzing module is used for receiving the processed basic financial information of the enterprises to be invested and sent by the data preprocessing module, extracting the income amount and the expenditure amount of each stroke, according to the income amount and the expenditure amount of each stroke, the daily income amount accumulation sum and the daily expenditure amount accumulation sum are counted, and the total income and expenditure amount per month is counted according to the cumulative sum of income amount per day and the cumulative sum of expenditure amount per day, so as to realize the arrangement of the enterprise financial data, simultaneously, the amount to be received and the amount to be paid of the enterprise are extracted, all the amounts to be received are accumulated, the sum of the amounts to be received is obtained, all the amounts to be paid are accumulated, the sum of the amounts to be paid is obtained, the statistical income, total expenditure, sum of money to be collected and sum of money to be paid of each month are respectively sent to a credit evaluation management module and a profit analysis module;
The financial database is used for storing the processed basic financial information of the enterprises to be invested, which is sent by the data preprocessing module, together with income, expenditure amount, amount to be received, amount to be paid, transfer accounts of income, transfer accounts of expenditure, daily income information and the like, storing the types of the enterprises to be invested, and storing a preset investment credit evaluation coefficient threshold;
The income analysis module is used for receiving the income, the total expenditure amount, the sum of the amount to be received and the sum of the amount to be paid of each month sent by the data sorting and analysis module, subtracting the total expenditure amount from the total income amount of each month to obtain a first income amount, subtracting the sum of the amount to be received and the sum of the amount to be paid to obtain a second income amount, and sending the first income amount and the second income amount to the credit evaluation management module;
The credit assessment management module is used for receiving the processed basic financial information of the enterprise to be invested, which is sent by the data preprocessing module, extracting income, expenditure amount, amount to be paid, transfer account of income, transfer account of expenditure and daily income information in the basic financial information of the enterprise to be invested, counting monthly income sum according to daily income, acquiring monthly accumulated income amount according to the income amount, receiving a first income amount and a second income amount sent by the income analysis module, counting credit assessment coefficients of the enterprise to be invested according to the accumulated income amount, the income sum, the first income amount and the second income amount, wherein the credit assessment coefficients of the enterprise to be invested are equal to the sum of the first income amount and the second income amount multiplied by the income sum, the obtained product is divided by the income amount, and the counted credit assessment coefficients of the enterprise to be invested are sequentially matched with investment credit assessment coefficients preset in the financial database And comparing the evaluation coefficient threshold values, removing the evaluation coefficient threshold values smaller than the preset investment credit evaluation coefficient threshold values, and sending the enterprises to be invested and invested with the evaluation coefficient greater than or equal to the preset investment credit evaluation coefficient threshold values and the corresponding investment credit evaluation coefficients to the credit ranking analysis module.
further, the basic financial information of the enterprise to be recruited comprises income amount, expenditure amount, amount to be collected, amount to be paid, transfer account of income, transfer account of expenditure and daily income information.
the credit ranking analysis module is used for receiving the enterprises to be invested and corresponding investment credit assessment coefficients which are sent by the credit assessment management module and are larger than or equal to a preset investment credit assessment coefficient threshold value, ranking the investment credit assessment coefficients corresponding to the enterprises to be invested according to the sequence of the investment credit assessment coefficients from large to small, and sending the enterprises to be invested and having the investment credit assessment coefficients from large to small to the credit pushing module in sequence.
and the credit pushing module is used for sequentially receiving the enterprises to be recruited with the largest investment credit evaluation coefficient sent by the credit sequencing analysis module and sending the received enterprises to be recruited with the largest investment credit evaluation coefficient to the investment users.
The invention has the beneficial effects that:
the investment management service system based on the credit system provided by the invention collects the basic financial information of the enterprise to be invested, and the basic financial information of the enterprises to be invested is preprocessed, analyzed and evaluated to obtain the investment credit evaluation coefficient of each enterprise to be invested, screening the investment credit evaluation coefficient of each investment enterprise and the set investment credit evaluation coefficient threshold value, the method and the system are ordered according to the sequence of the investment credit evaluation coefficients from large to small and sequentially pushed to the investment users, so that the credit of each enterprise to be invested is conveniently analyzed, reliable analysis of investment evaluation is provided for the investment users, the investment users are prevented from being incapable of effectively screening the enterprises which invest in the investment, reliable investment push service is provided for investment management of the investment users, investment of the investment users is promoted, the investment benefit maximization of the investment users is ensured, and the evaluated investment credit evaluation coefficients have the characteristic of high accuracy.
Drawings
in order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic diagram of an investment management service system based on a credit system according to the present invention.
Detailed Description
the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, an investment management service system based on a credit system includes a financial data collection module, a data preprocessing module, a data sorting and analyzing module, a financial database, a profit analyzing module, a credit evaluation management module, a credit ordering and analyzing module, and a credit pushing module;
the financial data acquisition module is connected with the data preprocessing module, the data preprocessing module is respectively connected with the data sorting and analyzing module, the financial database and the credit evaluation management module, the data sorting and analyzing module is connected with the income analyzing module, the credit evaluation management module is respectively connected with the data sorting and analyzing module, the income analyzing module and the credit ordering and analyzing module, and the credit ordering and analyzing module is connected with the credit pushing module.
The financial data acquisition module is used for acquiring basic financial information of each enterprise to be invested, the acquired basic financial information of the enterprise to be invested is sent to the data preprocessing module, and the basic financial information of the enterprise to be invested comprises each income amount, expenditure amount, amount to be received, amount to be paid, income transfer account, expenditure transfer-out account, daily income information and the like;
The data preprocessing module is used for receiving the basic financial information of each enterprise to be invested, which is sent by the financial data acquisition module, carrying out data preprocessing on the received basic financial information of each enterprise to be invested, deleting data contents which are irrelevant to income, expenditure amount, amount to be received, amount to be paid, transfer account of income, transfer account of expenditure and daily income information in the obtained basic financial information of the enterprise to be invested, and respectively sending the processed basic financial information of the enterprise to be invested to the financial database, the data sorting and analyzing module and the credit evaluation management module;
the data sorting and analyzing module is used for receiving the processed basic financial information of the enterprises to be invested and sent by the data preprocessing module, extracting the income amount and the expenditure amount of each stroke, according to the income amount and the expenditure amount of each stroke, the daily income amount accumulation sum and the daily expenditure amount accumulation sum are counted, and the total income and expenditure amount per month is counted according to the cumulative sum of income amount per day and the cumulative sum of expenditure amount per day, so as to realize the arrangement of the enterprise financial data, simultaneously, the amount to be received and the amount to be paid of the enterprise are extracted, all the amounts to be received are accumulated, the sum of the amounts to be received is obtained, all the amounts to be paid are accumulated, the sum of the amounts to be paid is obtained, the statistical income, total expenditure, sum of money to be collected and sum of money to be paid of each month are respectively sent to a credit evaluation management module and a profit analysis module;
the financial database is used for storing the processed basic financial information of the enterprises to be invested, which is sent by the data preprocessing module, together with income, expenditure amount, amount to be received, amount to be paid, transfer account of income, transfer account of expenditure, daily income information and the like, storing the types of the enterprises to be invested, wherein the types of the enterprises to be invested belong to service classes, technical classes and the like, and storing preset investment credit evaluation coefficient threshold values;
The income analysis module is used for receiving income, total expenditure, sum of sum to be collected and sum of sum to be paid out of each month sent by the data sorting and analysis module, subtracting the total expenditure of each month from the total income of each month to obtain a first income amount, subtracting the sum of sum to be collected from the sum to be paid out to obtain a second income amount, and sending the first income amount and the second income amount to the credit evaluation management module;
the credit evaluation management module is used for receiving the processed basic financial information of the enterprise to be invested, which is sent by the data preprocessing module, extracting income, expenditure amount, amount to be paid, transfer account of income, transfer account of expenditure and daily income information in the basic financial information of the enterprise to be invested, counting monthly income sum according to daily income, acquiring monthly accumulated income amount according to the income amount, receiving first income amount and second income amount sent by the income analysis module, counting credit evaluation coefficients of the enterprise to be invested according to the accumulated income amount, the income sum, the first income amount and the second income amount, wherein the credit evaluation coefficients of the enterprise to be invested are equal to the sum of the first income amount and the second income amount multiplied by the income sum, the obtained product is divided by the income amount, and the counted credit evaluation coefficients of the enterprise to be invested are sequentially combined with the preset credit evaluation database of the financial investment enterprise to be invested Comparing the estimation coefficient threshold values, removing the estimation coefficient threshold values which are smaller than the preset investment credit estimation coefficient threshold value, and sending the enterprises to be invested and the corresponding investment credit estimation coefficients which are larger than or equal to the preset investment credit estimation coefficient threshold value to a credit ranking analysis module;
The credit ordering analysis module is used for receiving the enterprises to be invested and corresponding investment credit evaluation coefficients which are sent by the credit evaluation management module and are larger than or equal to the preset investment credit evaluation coefficient threshold value, ordering the investment credit evaluation coefficients corresponding to the enterprises to be invested according to the sequence of the investment credit evaluation coefficients from large to small, and sending the enterprises to be invested and having the investment credit evaluation coefficients from large to small to the credit push module in sequence.
the credit pushing module is used for sequentially receiving the enterprises to be invested with the largest investment credit evaluation coefficient sent by the credit ordering analysis module and sending the received enterprises to be invested with the largest investment credit evaluation coefficient to the investment users.
The foregoing is merely exemplary and illustrative of the principles of the present invention and various modifications, additions and substitutions of the specific embodiments described herein may be made by those skilled in the art without departing from the principles of the present invention or exceeding the scope of the claims set forth herein.
Claims (4)
1. an investment management service system based on a credit system is characterized in that: the system comprises a financial data acquisition module, a data preprocessing module, a data sorting and analyzing module, a financial database and income analyzing module and a credit evaluation management module;
The financial data acquisition module is connected with the data preprocessing module, the data preprocessing module is respectively connected with the data sorting and analyzing module, the financial database and the credit evaluation management module, the data sorting and analyzing module is connected with the income analyzing module, and the credit evaluation management module is respectively connected with the data sorting and analyzing module and the income analyzing module;
the financial data acquisition module is used for acquiring basic financial information of each enterprise to be invested, and the acquired basic financial information of the enterprise to be invested is sent to the data preprocessing module;
the data preprocessing module is used for receiving the basic financial information of each enterprise to be invested, which is sent by the financial data acquisition module, carrying out data preprocessing on the received basic financial information of each enterprise to be invested, deleting data contents, which are irrelevant to income, expenditure amount, amount to be received, amount to be paid, transfer account of income, transfer account of expenditure and daily income information, in the obtained basic financial information of the enterprise to be invested, and sending the processed basic financial information of the enterprise to be invested to the financial database, the data sorting and analyzing module and the credit evaluation management module respectively;
The data sorting and analyzing module is used for receiving the processed basic financial information of the enterprises to be invested and sent by the data preprocessing module, extracting the income amount and the expenditure amount of each stroke, according to the income amount and the expenditure amount of each stroke, the daily income amount accumulation sum and the daily expenditure amount accumulation sum are counted, and the total income and expenditure amount per month is counted according to the cumulative sum of income amount per day and the cumulative sum of expenditure amount per day, so as to realize the arrangement of the enterprise financial data, simultaneously, the amount to be received and the amount to be paid of the enterprise are extracted, all the amounts to be received are accumulated, the sum of the amounts to be received is obtained, all the amounts to be paid are accumulated, the sum of the amounts to be paid is obtained, the statistical income, total expenditure, sum of money to be collected and sum of money to be paid of each month are respectively sent to a credit evaluation management module and a profit analysis module;
The financial database is used for storing the processed basic financial information of the enterprises to be invested, which is sent by the data preprocessing module, together with income, expenditure amount, amount to be received, amount to be paid, transfer accounts of income, transfer accounts of expenditure, daily income information and the like, storing the types of the enterprises to be invested, and storing a preset investment credit evaluation coefficient threshold;
the income analysis module is used for receiving the income, the total expenditure amount, the sum of the amount to be received and the sum of the amount to be paid of each month sent by the data sorting and analysis module, subtracting the total expenditure amount from the total income amount of each month to obtain a first income amount, subtracting the sum of the amount to be received and the sum of the amount to be paid to obtain a second income amount, and sending the first income amount and the second income amount to the credit evaluation management module;
the credit assessment management module is used for receiving the processed basic financial information of the enterprise to be invested, which is sent by the data preprocessing module, extracting income, expenditure amount, amount to be paid, transfer account of income, transfer account of expenditure and daily income information in the basic financial information of the enterprise to be invested, counting monthly income sum according to daily income, acquiring monthly accumulated income amount according to the income amount, receiving a first income amount and a second income amount sent by the income analysis module, counting credit assessment coefficients of the enterprise to be invested according to the accumulated income amount, the income sum, the first income amount and the second income amount, wherein the credit assessment coefficients of the enterprise to be invested are equal to the sum of the first income amount and the second income amount multiplied by the income sum, the obtained product is divided by the income amount, and the counted credit assessment coefficients of the enterprise to be invested are sequentially matched with investment credit assessment coefficients preset in the financial database And comparing the evaluation coefficient threshold values, removing the evaluation coefficient threshold values smaller than the preset investment credit evaluation coefficient threshold values, and sending the enterprises to be invested and invested with the evaluation coefficient greater than or equal to the preset investment credit evaluation coefficient threshold values and the corresponding investment credit evaluation coefficients to the credit ranking analysis module.
2. the credit system-based investment management service system according to claim 1, wherein: the basic financial information of the enterprise to be invested comprises income amount, expenditure amount, amount to be received, amount to be paid, transfer account of income, transfer account of expenditure and daily income information.
3. The credit system-based investment management service system according to claim 1, wherein: the credit ranking analysis module is used for receiving the enterprises to be invested and corresponding investment credit assessment coefficients which are sent by the credit assessment management module and are larger than or equal to a preset investment credit assessment coefficient threshold value, ranking the investment credit assessment coefficients corresponding to the enterprises to be invested according to the sequence of the investment credit assessment coefficients from large to small, and sending the enterprises to be invested and having the investment credit assessment coefficients from large to small to the credit pushing module in sequence.
4. The credit hierarchy-based investment management service system according to claim 3, wherein: the system further comprises a credit pushing module, wherein the credit pushing module is used for sequentially receiving the enterprises to be invested with the largest investment credit evaluation coefficient sent by the credit sequencing analysis module and sending the enterprises to be invested with the largest received investment credit evaluation coefficient to the investment users.
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111402025A (en) * | 2020-03-24 | 2020-07-10 | 谷元(上海)文化科技有限责任公司 | Commercial intelligent account accounting system |
CN112150264A (en) * | 2020-10-13 | 2020-12-29 | 信阳农林学院 | Enterprise financial balance analysis system based on cloud platform |
CN112905663A (en) * | 2021-02-09 | 2021-06-04 | 广州华商职业学院 | Enterprise financial sharing evaluation method and system based on big data |
-
2019
- 2019-08-30 CN CN201910815928.8A patent/CN110544171A/en not_active Withdrawn
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN111402025A (en) * | 2020-03-24 | 2020-07-10 | 谷元(上海)文化科技有限责任公司 | Commercial intelligent account accounting system |
CN112150264A (en) * | 2020-10-13 | 2020-12-29 | 信阳农林学院 | Enterprise financial balance analysis system based on cloud platform |
CN112905663A (en) * | 2021-02-09 | 2021-06-04 | 广州华商职业学院 | Enterprise financial sharing evaluation method and system based on big data |
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Application publication date: 20191206 |