CN111061792A - Financial service management system - Google Patents

Financial service management system Download PDF

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CN111061792A
CN111061792A CN201911291622.3A CN201911291622A CN111061792A CN 111061792 A CN111061792 A CN 111061792A CN 201911291622 A CN201911291622 A CN 201911291622A CN 111061792 A CN111061792 A CN 111061792A
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enterprise
credit
financial institution
information
financial
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CN111061792B (en
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刘飞燕
杨扬
范晨易
吴林强
许琮浩
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Hangzhou Zhongyun Data Technology Co Ltd
Huzhou Big Data Operation Co Ltd
Hangzhou City Big Data Operation Co ltd
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Hangzhou Zhongyun Data Technology Co Ltd
Huzhou Big Data Operation Co Ltd
Hangzhou City Big Data Operation Co ltd
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    • G06Q40/03—Credit; Loans; Processing thereof
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Abstract

The invention is suitable for the technical field of computers, and provides a financial service management system, which comprises a financial service platform and a data wind control platform; the financial service platform is used for issuing credit product information of a financial institution; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; and the data wind control platform is used for performing qualification evaluation processing on the business information meeting the preset green and credit rules according to credit sample data of the financial institutions based on a preset green index system and a wind control model, generating green evaluation results of the enterprises and feeding back the green evaluation results to the corresponding financial institutions. According to the invention, risk control is carried out through the data wind control platform, the operation flow is greatly simplified, and a green enterprise can obtain financing more easily.

Description

Financial service management system
Technical Field
The invention belongs to the technical field of computers, and particularly relates to a financial service management system.
Background
In order to solve the problems of difficult financing and expensive financing of the current small and medium-sized micro enterprises, financial service platforms such as Suzhou comprehensive financial service platform and Shenzhen small and medium-sized micro enterprise financial service platform are established in some cities in succession, and the financial platforms provide a good matching platform for banks and small and medium-sized micro enterprises: the banking institution issuing various credit products on the platform; inquiring the credit products which are in line with the needs of the small and medium-sized micro enterprises on the platform and can be borne, and applying; the banking institution then needs the customers who have filed the application to provide the relevant materials, and after an audit evaluation, decides on the issuance of credit.
However, these financial services platforms have some disadvantages: in order to control risks, banking institutions require to provide complete qualification-proving materials, medium and small micro enterprises do not always have such a complete condition, so in order to obtain loans, related materials have to be dealt with frequently by each department, which is contrary to the spirit of 'running for one time at most', and also results in low loan dealing efficiency, even a lot of medium and small micro enterprises may not loan money, or the loan interest rate is high due to qualification problems; in addition, some enterprises may make a fake material for obtaining the loan, which inevitably brings a great risk to the banking institution. Therefore, the problem of "difficult loan and expensive loan" of enterprises cannot be fundamentally solved. These financial service platforms are also difficult to "get up" at all. In addition, under the situation of increasingly severe ecological environment, environmental protection and sustainable development are important topics nowadays and important trends in the future. However, the existing financial service platforms do not well embody the green word. Therefore, the financial service platform also plays a guiding role to guide small and medium-sized micro-enterprises to turn to green economy, thereby embodying the aim of 'green finance'.
Therefore, the existing financial service platform does not have the function of guiding enterprises to turn to green economy, and needs to spend a large amount of manpower and material resources to examine and verify various certification materials and the truth of the certification materials, so that the problem of low financing efficiency is solved.
Disclosure of Invention
The embodiment of the invention aims to provide a financial service management system, and aims to solve the problems that an existing financial service platform does not have the function of guiding an enterprise to turn to green economy, a large amount of manpower and material resources are needed to be spent on examining and verifying various certification materials and the authenticity of the certification materials, and the financing efficiency is low.
The financial service management system comprises a financial service platform and a data wind control platform communicated with the financial service platform;
the financial service platform is used for issuing credit product information of financial institutions so that enterprises can inquire credit products meeting requirements; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform;
the data wind control platform is used for receiving business information of the enterprise and identification information of the financial institution; storing the business information of the enterprise in a preset database; acquiring credit sample data of the financial institution according to the identification information of the financial institution; acquiring business information which accords with preset green and credit rules from the database; based on a preset green index system and a wind control model, according to credit sample data of the financial institution, performing qualification evaluation processing on the business information meeting preset green and credit rules to generate a green evaluation result of the enterprise; and feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise.
The financial service management system provided by the embodiment of the invention comprises a financial service platform and a data wind control platform communicated with the financial service platform; issuing credit product information of a financial institution through a financial service platform so that enterprises can inquire credit products meeting requirements; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform; the data wind control platform stores the business information of the enterprise in a preset database; acquiring credit sample data of the financial institution according to the identification information of the financial institution; acquiring business information which accords with preset green and credit rules from the database; based on a preset green index system and a wind control model, according to credit sample data of the financial institution, performing qualification evaluation processing on the business information meeting preset green and credit rules to generate a green evaluation result of the enterprise; and feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise. The invention carries out risk control through the data wind control platform, can omit qualification materials of the evaluation enterprise and the authenticity operation thereof, greatly simplifies the flow, is favorable for green enterprises to obtain financing based on objective and comprehensive evaluation provided by the data wind control platform, is favorable for guiding the enterprises to turn to green economic development, has high financing efficiency compared with the current financial service platform, and can really realize green and general benefits.
Drawings
FIG. 1 is a schematic structural diagram of a financial services management system according to an embodiment of the present invention;
FIG. 2 is a schematic structural diagram of a financial services platform according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a data wind control platform according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a financial services management system according to a second embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a financial services management system according to a third embodiment of the present invention;
fig. 6 is a schematic structural diagram of a financial service management system according to a fourth embodiment of the present invention;
fig. 7 is a schematic structural diagram of a qualification evaluation unit according to a fifth embodiment of the present invention;
fig. 8 is a schematic structural diagram of a feedback unit according to a fifth embodiment of the present invention;
fig. 9 is a schematic structural diagram of a financial service management system according to a sixth embodiment of the present invention;
fig. 10 is a schematic structural diagram of a monitoring unit according to a sixth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the examples of the invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, etc. may be used to describe various information in embodiments of the present invention, the information should not be limited by these terms. These terms are only used to distinguish one type of information from another.
The invention is based on the 'general' and 'green' concepts for the first time, and by increasing the financial support for environment protection, water saving, energy saving, new energy, renewable energy, clean energy, green traffic, green buildings and other green projects, the invention naturally guides medium and small micro-enterprises to turn to green economy, establishes a financial service management system and provides services for vast medium and small micro-enterprises.
The financial service management system provided by the embodiment of the invention comprises a financial service platform and a data wind control platform communicated with the financial service platform; issuing credit product information of a financial institution through a financial service platform so that enterprises can inquire credit products meeting requirements; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform; the data wind control platform stores the business information of the enterprise in a preset database; acquiring credit sample data of the financial institution according to the identification information of the financial institution; acquiring business information which accords with preset green and credit rules from the database; based on a preset green index system and a wind control model, according to credit sample data of the financial institution, performing qualification evaluation processing on the business information meeting preset green and credit rules to generate a green evaluation result of the enterprise; and feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise. The invention carries out risk control through the data wind control platform, can omit qualification materials of the evaluation enterprise and the authenticity operation thereof, greatly simplifies the flow, is favorable for green enterprises to obtain financing based on objective and comprehensive evaluation provided by the data wind control platform, is favorable for guiding the enterprises to turn to green economic development, has high financing efficiency compared with the current financial service platform, and can really realize green and general benefits.
To further explain the technical means and effects of the present invention adopted to achieve the predetermined objects, the following detailed description of the embodiments, structures, features and effects according to the present invention will be given with reference to the accompanying drawings and preferred embodiments.
Fig. 1 is a schematic structural diagram of a financial service management system according to an embodiment of the present invention, and for convenience of description, only a part related to the embodiment of the present invention is shown.
In the embodiment of the present invention, the financial service management system includes a financial service platform 101 and a data wind control platform 102 communicatively connected to the financial service platform 101.
In the embodiment of the invention, the financial service platform is a communication platform between the financial institution and the small and medium-sized micro-enterprises and is equivalent to a system foreground processing tool, and the data wind control platform is equivalent to a system background processing tool and is used for storing various related data (basic information, credit, operation and the like) of the small and medium-sized micro-enterprises and combining credit investigation and credit sample data of the financial institution to complete risk/green qualification evaluation of the small and medium-sized micro-enterprises.
In the embodiment of the present invention, the financial institution, which is a general term of a party providing financing service, refers to financial intermediary institutions related to the financial service industry, including but not limited to central banks, general banks, non-bank financial institutions, external financing, Chinese financing financial institutions, and Chinese and foreign financing financial institutions.
The financial service platform 101 is used for issuing credit product information of financial institutions so that enterprises can inquire credit products meeting requirements; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; and sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform.
In the embodiment of the invention, the credit product is one of the trust type financial products, and the operation principle is that the financial institution converts the credit asset into the financial product for sale to the client (enterprise or customer) through the trust company. The financial institution issues such products, trusts the collected funds, and specializes in replacing financial institution inventory loans or newly issuing loans to the enterprise.
In the embodiment of the invention, each financial institution uniformly and intensively publishes various credit product information serving for small and medium-sized micro enterprises through a financial service platform; and the small and medium enterprises log in the financial service platform to inquire the credit products which are in line with the demands of the small and medium enterprises and can bear the credit products, and propose application demands.
In the embodiment of the invention, the business information of the enterprise comprises basic information, credit, management and other aspects of the enterprise and environmental protection conditions of the enterprise, such as hydropower use condition, pollution discharge condition, energy conservation, water conservation and other information.
In the embodiment of the present invention, the identification information of the financial institution is used to uniquely identify a financial institution in the system, and may be a name, a credit code, a credit product number, and the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
The data wind control platform 102 is used for receiving business information of the enterprise and identification information of the financial institution; storing the business information of the enterprise in a preset database; acquiring credit sample data of the financial institution according to the identification information of the financial institution; acquiring business information which accords with preset green and credit rules from the database; based on a preset green index system and a wind control model, according to credit sample data of the financial institution, performing qualification evaluation processing on the business information meeting preset green and credit rules to generate a green evaluation result of the enterprise; and feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise.
In the embodiment of the invention, the credit sample data of the financial institution comprises sample data such as credit investigation and credit, wherein the credit data comprises the creditability provided by the deposit company to the non-financial department, and can be obtained by compiling a deposit company overview; data also including financial companies crediting non-financial departments may be obtained in compiling a financial company overview.
In the embodiment of the invention, because the data in the database is too huge, the query and use efficiency is influenced, so that the relevant information which accords with the preset green and credit rules is extracted from the database, namely the relevant data in the aspects of environmental protection, energy saving, water saving and the like of small and medium-sized micro enterprises are extracted from the data based on the urban digital brain to form a green financial brain, and after the data in different aspects of the enterprises are organically fused, an objective, real and comprehensive portrait of the enterprises can be formed.
Specifically, the city digital brain organically fuses together the data of the enterprises in the city, and contains all the information (more than green, credit and the like) of all aspects of the enterprises. However, when the green qualification, credit and other aspects of the enterprises with credit requirements are examined, all information of the enterprises is not required, so the green finance brain is equivalent to a data subset which only contains the information of the green qualification, credit and other aspects of the enterprises in the urban digital brain. The 'green rule' mainly aims at the aspects of investigating whether an enterprise is environment-friendly, energy-saving, sustainable development and the like.
In particular, in the green financial brain, information of a certain enterprise is dispersed in different tables, and the tables can find the association between the tables through the ER model and the like (mainly based on the main foreign key relationship between the tables), so that the different tables are linked together, namely organic fusion of data. The information of a business dispersed in different tables is linked, and naturally forms the image of the business in terms of green and credit.
In the embodiment of the invention, the green finance brain only relates to the data of related enterprises, a green index system (embodying green finance) and a wind control model are also required to be introduced to process the data so as to complete the risk/green qualification evaluation of small and medium-sized enterprises, and the evaluation result is fed back to the corresponding financial institution according to the identification information.
Specifically, the green finance brain includes indexes of enterprises in the green environmental protection aspect and data thereof, such as electricity consumption, energy consumption and the like, but an index system (different indexes have different weights) needs to be established for evaluating the green qualification of the enterprises, and the indexes are integrated by a method such as multi-index integration and the like and finally evaluated. Risk assessment is roughly similar, but the technical methods used are somewhat different, for example, a multivariate regression model (parameters of the model are estimated based on sample data of a financial institution) can be used, and finally the model is used for assessing the risk condition of an enterprise.
The financial service management system provided by the embodiment of the invention comprises a financial service platform and a data wind control platform communicated with the financial service platform; issuing credit product information of a financial institution through a financial service platform so that enterprises can inquire credit products meeting requirements; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform; the data wind control platform stores the business information of the enterprise in a preset database; acquiring credit sample data of the financial institution according to the identification information of the financial institution; acquiring business information which accords with preset green and credit rules from the database; based on a preset green index system and a wind control model, according to credit sample data of the financial institution, performing qualification evaluation processing on the business information meeting preset green and credit rules to generate a green evaluation result of the enterprise; and feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise. The invention carries out risk control through the data wind control platform, can omit qualification materials of the evaluation enterprise and the authenticity operation thereof, greatly simplifies the flow, is favorable for green enterprises to obtain financing based on objective and comprehensive evaluation provided by the data wind control platform, is favorable for guiding the enterprises to turn to green economic development, has high financing efficiency compared with the current financial service platform, and can really realize green and general benefits.
Fig. 2 is a schematic structural diagram of a financial service platform according to an embodiment of the present invention, and for convenience of description, only parts related to the embodiment of the present invention are shown.
In the embodiment of the present invention, the financial services platform 101 includes an issuing unit 201, a credit request receiving unit 202, and a transmitting unit 203.
The issuing unit 201 is configured to issue credit product information of a financial institution, so that an enterprise can query a credit product meeting requirements.
In the embodiment of the present invention, the financial institution, which is a general term of a party providing financing service, refers to financial intermediary institutions related to the financial service industry, including but not limited to central banks, general banks, non-bank financial institutions, external financing, Chinese financing financial institutions, and Chinese and foreign financing financial institutions.
In the embodiment of the invention, the credit product is one of the trust type financial products, and the operation principle is that the financial institution converts the credit asset into the financial product for sale to the client (enterprise or customer) through the trust company. The financial institution issues such products, trusts the collected funds, and specializes in replacing financial institution inventory loans or newly issuing loans to the enterprise.
In the embodiment of the invention, each financial institution uniformly and intensively publishes various credit product information serving for small and medium-sized micro enterprises through a financial service platform; and the small and medium enterprises can inquire the credit products which are in line with the demands of the small and medium enterprises and can undertake the credit products by logging in the financial service platform.
The credit request receiving unit 202 is configured to receive a credit request of the enterprise, where the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the demand-compliant credit product.
In the embodiment of the invention, the business information of the enterprise comprises basic information, credit, management and other aspects of the enterprise and environmental protection conditions of the enterprise, such as hydropower use condition, pollution discharge condition, energy conservation, water conservation and other information.
In the embodiment of the present invention, the identification information of the financial institution is used to uniquely identify a financial institution in the system, and may be a name, a credit code, a credit product number, and the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
The sending unit 203 is configured to send the business information of the enterprise and the identification information of the financial institution to the data wind control platform.
Fig. 3 is a schematic structural diagram of a data wind control platform according to a first embodiment of the present invention, and for convenience of description, only parts related to the first embodiment of the present invention are shown.
In the embodiment of the present invention, the data wind control platform 102 includes an information receiving unit 301, an identifier storing unit 302, a credit sample data acquiring unit 303, a commercial information acquiring unit 304, a qualification evaluating unit 305, and a feedback unit 306.
The information receiving unit 301 is configured to receive business information of the enterprise and identification information of the financial institution.
The storage unit 302 is configured to store the business information of the enterprise in a preset database.
The credit sample data acquiring unit 303 is configured to acquire credit sample data of the financial institution according to the identification information of the financial institution.
In the embodiment of the invention, the credit sample data of the financial institution comprises sample data such as credit investigation and credit, wherein the credit data comprises the creditability provided by the deposit company to the non-financial department, and can be obtained by compiling a deposit company overview; data also including financial companies crediting non-financial departments may be obtained in compiling a financial company overview.
The business information obtaining unit 304 is configured to obtain the business information meeting the preset green and credit rules from the database.
In the embodiment of the invention, because the data in the database is too huge, which affects the query and use efficiency, the relevant information which accords with the preset green and credit rules is extracted from the database, namely, the relevant data in the aspects of environmental protection, energy conservation, water conservation and the like of small and medium-sized micro enterprises are extracted from the data based on the urban digital brain, so that a green financial brain is formed.
The qualification evaluation unit 305 is configured to perform qualification evaluation processing on the business information meeting the preset green and credit rules according to credit sample data of the financial institution based on a preset green index system and a wind control model, and generate a green evaluation result of the enterprise.
In the embodiment of the invention, the green finance brain only relates to the data of related enterprises, and a green index system (embodying green finance) and a wind control model are also required to be introduced to process the data so as to complete the risk/green qualification evaluation of small and medium-sized enterprises.
The feedback unit 306 is configured to feed back a green evaluation result of the enterprise to a financial institution uniquely corresponding to the identification information, so that the financial institution determines whether to loan the enterprise.
Fig. 4 is a schematic structural diagram of a financial services management system according to a second embodiment of the present invention, which, for convenience of description, only shows parts related to the second embodiment of the present invention, and the parts are similar to the first embodiment, except that:
in the embodiment of the present invention, the issuing unit 201 includes an information entry page output module 401, a credit product information receiving module 402, a display module 403, and a forwarding module 404.
The information entry page output module 401 is configured to respond to a login operation of a financial institution and output an information entry page to the financial institution.
In embodiments of the invention, the information entry page may be a text box, a selection box, or other form, such as when the financial institution's login information is received, providing the financial institution with a text box so that it can enter the specified credit product information through the text box; or providing a selection box carrying system information for the financial institution, wherein the credit product information on the selection box is stored in the system by the financial institution in advance, the credit product information usually exists in the system in the form of files, documents, pictures, videos and the like, and only the credit product information needs to be uploaded to the platform.
The credit product information receiving module 402 is configured to receive the credit product information entered by the financial institution through the information entry page.
In the embodiment of the invention, the credit product is one of the trust type financial products, and the operation principle is that the financial institution converts the credit asset into the financial product for sale to the client (enterprise or customer) through the trust company. The financial institution issues such products, trusts the collected funds, and specializes in replacing financial institution inventory loans or newly issuing loans to the enterprise.
The display module 403 is configured to display the credit product information at a bulletin board for the enterprise to view.
In the embodiment of the invention, enterprises can directly see credit product information issued by various financial institutions at the platform bulletin board without logging in.
The forwarding module 404 is configured to forward the credit product information to the enterprise with the loan requirement, so that the enterprise queries the credit product meeting the requirement.
In the embodiment of the invention, the platform purposefully forwards the credit product information to related enterprises by acquiring the operation information and financing information of each small and medium-sized micro enterprise, so that the enterprises can obtain the credit product information meeting the requirements of the enterprises in time.
The financial service management system provided by the embodiment of the invention outputs an information input page to a financial institution by responding to the login operation of the financial institution; receiving credit product information input by the financial institution through the information input page; displaying the credit product information at a bulletin board for review by a business; the credit product information is forwarded to an enterprise with a loan requirement, so that the enterprise can inquire credit products meeting the requirement; the method provides high-efficiency service for vast small and medium-sized micro enterprises and financial institutions, and is beneficial to improving the financing efficiency of the two parties.
Fig. 5 is a schematic structural diagram of a financial services management system according to a third embodiment of the present invention, which, for convenience of description, only shows parts related to the third embodiment of the present invention, and the differences are similar to the first embodiment of the present invention:
in the embodiment of the present invention, the credit request receiving unit 202 includes an information uploading interface output module 501 and an information receiving module 502.
The information uploading interface output module 501 is configured to respond to a login operation of an enterprise and output an information uploading interface to the enterprise.
In an embodiment of the present invention, the information uploading interface may be a text box, a selection box, or other forms, such as when login information of an enterprise is received, providing the text box to the enterprise, so that the enterprise can enter business information and identification information of a financial institution corresponding to a specified credit product through the text box; or providing a selection box carrying identification information of a plurality of financial institutions for the enterprise, wherein the identification information on the selection box can be provided by the system, or the enterprise or the financial institutions can be preset in the system.
Further, the system may be provided in such a manner that when a financial institution logs in the system or when the financial institution issues credit product information in the system, the system automatically recognizes and acquires specific information of the financial institution, such as a credit code, and stores the information in the system; the provided identification information of the financial institution can be identification information of the financial institution which has logged in the system, and can be further distinguished into identification information of a commonly used financial institution or identification information of a financial institution which has logged in recently, namely the identification information is provided for an enterprise according to a login sequence from near to far; the specific implementation manner is not limited to the above-mentioned case, and may be set according to the actual situation, and is not limited herein.
The information receiving module 502 is configured to receive business information uploaded by the enterprise through the enterprise information uploading interface and identification information of a financial institution corresponding to at least one credit product meeting the requirement.
In the embodiment of the present invention, the identification information of the financial institution is closely associated with a specific financial institution, the identification information of one financial institution corresponds to a unique financial institution, and is used for uniquely identifying one financial institution in the system, and the identification information may be a name, a credit code, a credit product number, and the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
The financial service management system provided by the embodiment of the invention outputs an information uploading interface to an enterprise by responding to the login operation of the enterprise; receiving business information uploaded by the enterprise through the enterprise information uploading interface and identification information of a financial institution corresponding to at least one credit product meeting the requirement; further provides high-efficiency service for vast small and medium-sized micro enterprises and financial institutions, is beneficial to improving the financing efficiency of both parties, and simultaneously avoids the problem of errors in financing.
Fig. 6 is a schematic structural diagram of a financial services management system according to a fourth embodiment of the present invention, which, for convenience of description, only shows parts related to the fourth embodiment of the present invention, and the parts are similar to the first embodiment, except that:
in the embodiment of the present invention, the storage unit 302 includes a storage module 601, a format conversion module 602, and a data modeling unit 603.
The storage module 601 is configured to store the business information of the enterprise in a preset database.
The format conversion module 602 is configured to convert business information of an enterprise into a plurality of data tables based on a preset format condition.
In the embodiment of the invention, the business information of an enterprise is converted into a plurality of data tables based on a preset format condition as a conventional technical means, the purpose is to regularly arrange various disordered business information, the implementation mode can be that different types of data are independently presented in a data table form, and the data which are mutually related are presented in another data table form.
The data modeling unit 603 is configured to automatically identify the type and relationship of the data table, and establish a corresponding multidimensional data analysis model based on a preset green and credit rule.
In the embodiment of the invention, the data types, ER relationships and hierarchical relationships of all the established data tables are identified according to an artificial intelligence algorithm; and a multidimensional data analysis model is constructed according to the data type, the ER relation and the hierarchical relation of the data table related to green and credit rules.
The business information acquisition unit 304 includes an acquisition module 604.
The obtaining module 604 is configured to obtain business information meeting a preset green and credit rule from a database according to the multidimensional data analysis model.
According to the financial service management system provided by the embodiment of the invention, the business information of the enterprise is converted into a plurality of data tables based on the preset format condition through the business information storage and preset database of the enterprise; automatically identifying the type and the relation of the data table, and establishing a corresponding multidimensional data analysis model based on a preset green and credit rule; acquiring business information which accords with preset green and credit rules from a database according to the multidimensional data analysis model; by carrying out data table normalization on various disordered business information of the enterprise and establishing a multidimensional data analysis model, the business information meeting preset green and credit rules can be rapidly acquired from the business information provided by the enterprise, and the subsequent qualification evaluation efficiency is accelerated.
The following is a financial service management system provided in the fifth embodiment of the present invention, which is similar to the above embodiments, and the difference is that:
the qualification evaluation unit 305 is configured to perform qualification evaluation processing on the business information meeting the preset green and credit rules according to credit sample data of the financial institution based on a preset green index system and a wind control model, determine identification information with the highest matching degree, and generate a green evaluation result of the enterprise.
In the embodiment of the invention, an enterprise can simultaneously apply for credit products of a plurality of different financial institutions at one time, namely identification information of the plurality of financial institutions needs to be input; and based on a preset green index system and a wind control model, according to credit sample data of each financial institution, respectively performing qualification evaluation processing on the business information meeting preset green and credit rules, and determining the financial institution with the highest matching degree.
The feedback unit 306 is configured to determine a unique corresponding financial institution according to the identification information; and feeding back the green evaluation result of the enterprise to the financial institution so that the financial institution can determine whether to credit the enterprise.
The financial service management system provided by the embodiment of the invention is based on a preset green index system and a wind control model, and performs qualification evaluation processing on the business information conforming to the preset green and credit rules according to credit sample data of the financial institution, determines identification information with the highest matching degree, and generates a green evaluation result of the enterprise; determining a unique corresponding financial institution according to the identification information; and feeding back the green evaluation result of the enterprise to the financial institution so that the financial institution can determine whether to credit the enterprise. The financial institutions with the highest matching degree are determined by respectively evaluating the financial institutions, and the generated evaluation results are sent to the enterprises and the financial institutions with the highest corresponding matching degree, so that the financing efficiency is effectively improved, and meanwhile, the maximum benefit is provided for the environment-friendly enterprises with the green economic development.
Fig. 7 is a schematic structural diagram of a qualification evaluation unit according to a fifth embodiment of the present invention, and for convenience of description, only the parts related to the fifth embodiment of the present invention are shown.
In the embodiment of the present invention, the qualification evaluating unit 305 includes a qualification evaluating module 701 and a generating module 702.
The qualification evaluation module 701 is configured to perform qualification evaluation processing on the business information meeting the preset green and credit rules according to credit sample data of the financial institution based on a preset green index system and a wind control model, and determine identification information with the highest matching degree.
In the embodiment of the invention, an enterprise can simultaneously apply for credit products of a plurality of different financial institutions at one time, namely identification information of the plurality of financial institutions needs to be input; and based on a preset green index system and a wind control model, according to credit sample data of each financial institution, respectively performing qualification evaluation processing on the business information meeting preset green and credit rules, and determining the financial institution with the highest matching degree.
The generating module 702 is configured to generate a green evaluation result of the enterprise.
In the embodiment of the invention, the green evaluation result can be provided in a graphical or text form.
Fig. 8 is a schematic structural diagram of a feedback unit according to a fifth embodiment of the present invention, and for convenience of description, only a part related to the fifth embodiment of the present invention is shown.
In an embodiment of the present invention, the feedback unit 306 includes a financial institution determination module 801 and a feedback module 802.
The financial institution determining module 801 is configured to determine a unique corresponding financial institution according to the identification information.
In the embodiment of the present invention, the identification information is used to uniquely identify one financial institution in the system, and may be a name, a credit code, a credit product number, and the like, and the specific identification manner may be set according to an actual situation, which is not limited herein.
The feedback module 802 is configured to feed back the green evaluation result of the enterprise to the financial institution, so that the financial institution determines whether to loan the enterprise.
Fig. 9 is a schematic structural diagram of a financial service management system according to a sixth embodiment of the present invention, which, for convenience of description, only shows parts related to the sixth embodiment of the present invention, and is similar to the first embodiment, except that:
in this embodiment of the present invention, the data wind control platform 102 further includes a monitoring unit 901.
The monitoring unit 901 is configured to dynamically monitor the operation risk state of the enterprise in real time; and when the operation risk state reaches a preset risk condition, sending an early warning prompt to a financial institution.
In the embodiment of the invention, the operation risk state of the enterprise is dynamically monitored in real time, and the specific implementation mode can be that basic information, credit, operation and other aspects of the enterprise and the environment protection condition of the enterprise, such as water and electricity use condition, pollution discharge condition, energy conservation, water conservation and other information, are acquired in real time, data is processed based on a preset green index system and a wind control model, and an evaluation result which is lower than an evaluation index is reduced to some extent, particularly the evaluation result which is greatly reduced is timely fed back to a financial institution.
The financial service management system provided by the embodiment of the invention dynamically monitors the operation risk state of an enterprise in real time; and when the operation risk state reaches a preset risk condition, sending an early warning prompt to the financial institution, and further reducing the financing risk of the financial institution.
Fig. 10 is a schematic structural diagram of a monitoring unit according to a sixth embodiment of the present invention, and for convenience of description, only a part related to the sixth embodiment of the present invention is shown.
In the embodiment of the present invention, the monitoring unit 901 includes a monitoring module 1001 and an early warning module 1002.
The monitoring module 1001 is used for dynamically monitoring the operation risk state of the enterprise in real time.
In the embodiment of the invention, the operation risk state of the enterprise is dynamically monitored in real time, and the specific implementation mode can be that the data is processed based on a preset green index system and a wind control model to obtain an evaluation result by acquiring the basic information, credit, operation and other aspects of the enterprise and the environment protection condition of the enterprise in real time, such as the water and electricity use condition, the pollution discharge condition, the energy conservation, the water conservation and other information.
The early warning module 1002 is configured to send an early warning prompt to a financial institution when the operation risk state reaches a preset risk condition.
In the embodiment of the invention, the evaluation result which is lower than the evaluation index and is reduced particularly greatly is fed back to the financial institution in time.
It should be understood that, although the respective structures in the structural block diagrams of the embodiments of the present invention are shown in order as indicated by arrows, the structures are not necessarily executed in order as indicated by the arrows. The structures are not limited by the exact order in which they are performed, unless otherwise specified herein, and may be implemented in other structures. Moreover, at least some of the structures in the embodiments may include multiple structures or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-structures or the stages is not necessarily sequential, but may be performed alternately or in turns with other structures or at least some of the sub-structures or stages of other structures.
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims (10)

1. The financial service management system is characterized by comprising a financial service platform and a data wind control platform communicated with the financial service platform;
the financial service platform is used for issuing credit product information of financial institutions so that enterprises can inquire credit products meeting requirements; receiving a credit request of the enterprise, wherein the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the credit product meeting the requirement; sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform;
the data wind control platform is used for receiving business information of the enterprise and identification information of the financial institution; storing the business information of the enterprise in a preset database; acquiring credit sample data of the financial institution according to the identification information of the financial institution; acquiring business information which accords with preset green and credit rules from the database; based on a preset green index system and a wind control model, according to credit sample data of the financial institution, performing qualification evaluation processing on the business information meeting preset green and credit rules to generate a green evaluation result of the enterprise; and feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise.
2. The financial services management system of claim 1, wherein the financial services platform comprises:
the issuing unit is used for issuing credit product information of the financial institution so that enterprises can inquire credit products meeting requirements;
a credit request receiving unit, configured to receive a credit request of the enterprise, where the credit request carries business information of the enterprise and identification information of a financial institution corresponding to the demand-compliant credit product; and
and the sending unit is used for sending the business information of the enterprise and the identification information of the financial institution to the data wind control platform.
3. The financial services management system of claim 2, wherein the publishing unit comprises:
the information input page output module is used for responding to the login operation of the financial institution and outputting an information input page to the financial institution;
the credit product information receiving module is used for receiving the credit product information input by the financial institution through the information input page;
a display module to display the credit product information at a bulletin board for viewing by a business; and
and the forwarding module is used for forwarding the credit product information to the enterprise with the loan requirement so as to enable the enterprise to inquire the credit product meeting the requirement.
4. The financial services management system of claim 2, wherein the credit request receiving unit includes:
the information uploading interface output module is used for responding to the login operation of an enterprise and outputting an information uploading interface to the enterprise; and
and the information receiving module is used for receiving the business information uploaded by the enterprise through the enterprise information uploading interface and the identification information of the financial institution corresponding to at least one credit product meeting the requirement.
5. The financial services management system of claim 1, wherein the data-wind platform comprises:
an information receiving unit for receiving business information of the enterprise and identification information of the financial institution;
the storage unit is used for storing the business information of the enterprise into a preset database;
the credit sample data acquisition unit is used for acquiring credit sample data of the financial institution according to the identification information of the financial institution;
the business information acquisition unit is used for acquiring business information which accords with preset green and credit rules from the database;
the qualification evaluation unit is used for performing qualification evaluation processing on the business information meeting the preset green and credit rules according to credit sample data of the financial institution based on a preset green index system and a wind control model to generate a green evaluation result of the enterprise; and
and the feedback unit is used for feeding back the green evaluation result of the enterprise to the financial institution uniquely corresponding to the identification information so that the financial institution can determine whether to loan the enterprise.
6. The financial services management system of claim 5, wherein the storage unit comprises:
the storage module is used for storing the business information of the enterprise in a preset database;
the format conversion module is used for converting the business information of the enterprise into a plurality of data tables based on preset format conditions;
the data modeling unit is used for automatically identifying the type and the relation of the data table and establishing a corresponding multidimensional data analysis model based on a preset green and credit rule;
the business information acquisition unit includes:
and the acquisition module is used for acquiring the business information which accords with the preset green and credit rules from the database according to the multidimensional data analysis model.
7. The financial services management system of claim 5,
the qualification evaluation unit is used for performing qualification evaluation processing on the business information meeting the preset green and credit rules according to credit sample data of the financial institution based on a preset green index system and a wind control model, determining identification information with the highest matching degree and generating a green evaluation result of the enterprise;
the feedback unit is used for determining a unique corresponding financial institution according to the identification information; and feeding back the green evaluation result of the enterprise to the financial institution so that the financial institution can determine whether to credit the enterprise.
8. The financial services management system of claim 7, wherein the qualification unit comprises:
the qualification evaluation module is used for performing qualification evaluation processing on the business information which accords with the preset green and credit rules according to credit sample data of the financial institution based on a preset green index system and a wind control model, and determining identification information with the highest matching degree; and
the generating module is used for generating a green evaluation result of the enterprise;
the feedback unit includes:
the financial institution determination module is used for determining a unique corresponding financial institution according to the identification information; and
and the feedback module is used for feeding back the green evaluation result of the enterprise to the financial institution so that the financial institution can determine whether to loan the enterprise.
9. The financial services management system of claim 1, wherein the data-wind platform further comprises:
the monitoring unit is used for dynamically monitoring the operation risk state of the enterprise in real time; and when the operation risk state reaches a preset risk condition, sending an early warning prompt to a financial institution.
10. The financial services management system of claim 9, wherein the monitoring unit comprises:
the monitoring module is used for dynamically monitoring the operation risk state of the enterprise in real time; and
and the early warning module is used for sending an early warning prompt to the financial institution when the operation risk state reaches a preset risk condition.
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