CN111161013A - Credit assessment method and device - Google Patents
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- CN111161013A CN111161013A CN201911248568.4A CN201911248568A CN111161013A CN 111161013 A CN111161013 A CN 111161013A CN 201911248568 A CN201911248568 A CN 201911248568A CN 111161013 A CN111161013 A CN 111161013A
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Abstract
The invention relates to the technical field of credit assessment, and provides a credit assessment method and device. The method comprises the steps of obtaining the service attribute of the service to be handled; filtering credit rating data according to the service attribute, and screening out rating data; the screened rating data comprises a first group of rating data with a rating level smaller than the service attribute of the service to be handled and a second group of rating data with a rating level larger than the service attribute of the service to be handled; and calculating the comprehensive score of the service to be transacted according to the screened first group of rating data and the screened second group of rating data. The invention makes more in-depth research on the existing credit rating method, and makes targeted adjustment on the existing universal calculation method; the method and the device have the advantages that the calculation processes of various rating data in different scenes are more reasonably applied, and the use correctness of the rating data and the effectiveness of final data are guaranteed.
Description
[ technical field ] A method for producing a semiconductor device
The present invention relates to the field of credit assessment technologies, and in particular, to a credit assessment method and apparatus.
[ background of the invention ]
The data is stored in different fields, different systems and in different data structures. To form a set of complete and effective archive data, data of multiple fields and multiple structures must be supported and fused, so that the generated archive has wide coverage, full data sources and timely data content updating.
The data superposition mode that present digital archives taken forms the information set through snatching the data of different sources and splicing, establishes the archives. The relation and weight between data are not combed and analyzed, and hidden information behind the data cannot be comprehensively acquired. After the archive data is formed, the data content is not evaluated and rated.
In view of the above, overcoming the drawbacks of the prior art is an urgent problem in the art.
[ summary of the invention ]
The technical problem to be solved by the invention is that the credit rating in the prior art is a universal evaluation method, and the personal attribute difference of a deep ploughing user is avoided, so that the credit evaluation and the grade of the user can be misjudged under certain conditions, and a potential service group is missed.
The invention adopts the following technical scheme:
in a first aspect, the present invention provides a credit evaluation method, including:
acquiring the service attribute of a service to be handled; wherein the service attribute comprises: at least one of inter-individual service, inter-enterprise service, inter-individual-government service, and inter-enterprise-government service;
filtering credit rating data according to the service attribute, and screening out rating data; the screened rating data comprises a first group of rating data with a rating level smaller than the service attribute of the service to be handled and a second group of rating data with a rating level larger than the service attribute of the service to be handled;
and calculating the comprehensive score of the service to be transacted according to the screened first group of rating data and the screened second group of rating data.
Preferably, the rating level is from high to low, specifically:
individual-to-government, enterprise-to-enterprise, individual-to-enterprise, and individual-to-individual services;
when the credit rating value of the service to be managed of the service attribute with high rating level is calculated, the related rating data of the service attribute with low rating level is used for forming a composition factor for adding the items; and the related rating data of the service attribute with the high rating level is used for forming a composition factor for calculating the deduction item when the credit rating value of the service attribute to be managed with the high rating level is calculated.
Preferably, the calculating a comprehensive score of the service to be transacted according to the screened first group of rating data and the screened second group of rating data specifically includes:
and when calculating the comprehensive score of the service to be transacted, taking the positive information in the first group of rating data as an adding item to participate in the comprehensive score calculation process, and taking the negative information in the second group of rating data as a subtracting item to participate in the comprehensive score calculation process, thereby obtaining the final comprehensive score.
Preferably, when the business handling party relates to an enterprise, when the weights of the added items and the subtracted items are determined, a comparison model of the same type of enterprise is correspondingly established, and the corresponding weight is given to a parameter value according to the position of the business to be handled in the comparison model.
Preferably, the method comprises the following steps:
the rating data of the business between the individual and the government comprises: a list of distressed letters published by the government, individuals negatively reported by the government, individuals positively identified by government channels, and the employment nature of the individuals;
the rating data of the business-government business comprises: enterprises are listed in government negative list conditions, affiliated industry associations, public welfare activity participation and enterprise environmental protection emphasis degree;
the rating data of the inter-enterprise business comprises: one or more of market share of the enterprise, research and development investment of the enterprise, raw material purchase of the enterprise, sales and service capability of the enterprise, public opinion information of the enterprise, human management of the enterprise, financial management, process management, financing situation and legal mechanism;
the rating data of the business between the individual and the enterprise comprises: sales of the enterprise, after-sales of the enterprise, customer complaints of the enterprise and public opinion information of the enterprise;
the rating data of the inter-individual service includes: litigation disputes among individuals and credit ratings of individuals in the individual correspondence network.
Preferably, the public opinion information confirmation of the enterprise comprises:
obtaining comment information corresponding to corresponding enterprises from the Internet;
evaluating credit ratings of publishers of the comment information corresponding to the real-name information one by one, and if the credit ratings exceed a preset threshold, bringing the comment information into effective comments to serve as one of public opinion score analysis objects of the enterprise; and if the credit rating is lower than the preset threshold value, abandoning the credit rating.
Preferably, the credit rating of the individual in the individual correspondence network specifically includes:
analyzing individuals related to individuals needing to transact business, and determining credit ratings of one or more relatives having relativity with the individuals according to the relativity of the individuals; further, determining a credit rating of one or more friends affiliated with the individual based on the friendship of the individual;
and generating a weight value corresponding to the individual according to the credit rating of the relatives and the credit rating of the friends, and calculating a comprehensive score corresponding to the individual in the service to be transacted.
Preferably, the rating data of the inter-enterprise business and the rating data of the enterprise and the government further include:
and (4) authentication data of the project correspondingly completed by the enterprise.
In a second aspect, the present invention further provides a credit evaluation method and apparatus, for implementing the credit evaluation method in the first aspect, the apparatus includes:
at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor and programmed to perform the credit assessment method of the first aspect.
In a third aspect, the present invention also provides a non-transitory computer storage medium having stored thereon computer-executable instructions for execution by one or more processors for performing the credit assessment method of the first aspect.
The invention makes more in-depth research on the existing credit rating method, and makes targeted adjustment on the existing universal calculation method; the method and the device have the advantages that the calculation processes of various rating data in different scenes are more reasonably applied, and the use correctness of the rating data and the effectiveness of final data are guaranteed.
The principle of the invention lies in classifying the existing service types, and according to the classified service types, the influence relationship is defined, taking the individual as an example: if the business with the enterprise is to be transacted, the business condition of other historical enterprises and the non-bad record or the good record in the business condition of other individuals are positive information and the items are added; for government business, the rating level of the business is higher than that of the business of the enterprise at present, so that positive information is not used as an adding item, but negative information of the business of the government becomes a subtracting item, and the differentiated operation can bring great improvement on the accuracy of credit scoring physique mixed in one time in the prior art.
[ description of the drawings ]
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below. It is obvious that the drawings described below are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort.
FIG. 1 is a flow chart of a credit evaluation method according to an embodiment of the present invention;
fig. 2 is a schematic diagram illustrating a screening process of public opinions of enterprises in the credit assessment method according to an embodiment of the present invention;
FIG. 3 is a flow chart of an improved method for scoring personal credits in a credit assessment method according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a credit evaluation apparatus according to an embodiment of the present invention.
[ detailed description ] embodiments
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.
In the description of the present invention, the terms "inner", "outer", "longitudinal", "lateral", "upper", "lower", "top", "bottom", and the like indicate orientations or positional relationships based on those shown in the drawings, and are for convenience only to describe the present invention without requiring the present invention to be necessarily constructed and operated in a specific orientation, and thus should not be construed as limiting the present invention.
In addition, the technical features involved in the embodiments of the present invention described below may be combined with each other as long as they do not conflict with each other.
Example 1:
an embodiment 1 of the present invention provides a credit evaluation method, as shown in fig. 1, including:
in step 201, acquiring a service attribute of a service to be handled; wherein the service attribute comprises: at least one of inter-individual business, inter-enterprise business, individual-to-government business, and enterprise-to-government business.
The services among individuals, the services among enterprises, the services among individuals and governments and the services among enterprises and governments cover the analysis in the range of the current supportable big data acquisition, and the known services of various types are obtained by qualitative division.
In step 202, filtering credit rating data according to the service attribute, and screening out rating data; the screened rating data comprises a first group of rating data with a rating level smaller than the service attribute of the service to be handled and a second group of rating data with a rating level larger than the service attribute of the service to be handled.
In step 203, a comprehensive score of the service to be transacted is calculated according to the screened first group of rating data and the screened second group of rating data.
The principle of the embodiment of the invention is that the existing service types are classified, and the influence relationship between the service types is determined according to the classified service types, taking an individual as an example: if the business with the enterprise is to be transacted, the business condition of other historical enterprises and the non-bad record or the good record in the business condition of other individuals are positive information and the items are added; for government services, the rating level is higher than that of current enterprise services, so that positive information is not used as an addition item (in the embodiment of the invention, the ranking is distributed according to the corresponding service constraint force, so that the service type with the high rating level can be smoothly performed compared with the service type with the low rating level, and belongs to a normal logic trend, therefore, the positive information is not suitable for being used as the addition item of the positive information with the low rating level, but the negative information is not distinguished in the prior art, and the inaccuracy of the conventional comprehensive rating result is caused due to the reason), while the negative information of the government services can be used as a subtraction item, so that the differentiation operation can bring great improvement on the accuracy of credit rating constitution mixed into one trip in the prior art.
The embodiment of the invention carries out more in-depth research on the existing credit rating method, and carries out targeted adjustment on the existing universal calculation method; the method and the device have the advantages that the calculation processes of various rating data in different scenes are more reasonably applied, and the use correctness of the rating data and the effectiveness of final data are guaranteed.
In the embodiment of the present invention, the manner of specifically dividing the rating level from high to low is given, including:
individual-to-government, enterprise-to-enterprise, individual-to-enterprise, and individual-to-individual services;
when the credit rating value of the service to be managed of the service attribute with high rating level is calculated, the related rating data of the service attribute with low rating level is used for forming a composition factor for adding the items; and the related rating data of the service attribute with the high rating level is used for forming a composition factor for calculating the deduction item when the credit rating value of the service attribute to be managed with the high rating level is calculated.
In the embodiment of the invention, the classification principle of the rating level is classified according to the strength and weakness difference of the belonged group of the business parties to be transacted, which is the idea closest to the universal logic and the core innovation point of the invention, namely the classification principle is found in the credit evaluation field and utilizes the characteristic.
Based on the above principle analysis, corresponding to the step 203 in embodiment 1 of the present invention, a specific implementation manner is provided for calculating a comprehensive score of a service to be transacted according to the screened first group of rating data and second group of rating data, including:
and when calculating the comprehensive score of the service to be transacted, taking the positive information in the first group of rating data as an adding item to participate in the comprehensive score calculation process, and taking the negative information in the second group of rating data as a subtracting item to participate in the comprehensive score calculation process, thereby obtaining the final comprehensive score.
In a preferred implementation of the invention, it is not recommended to present the composite score by means of a single composite score calculation, since the aspects used for calculating the composite score themselves, although scattered, can be summarized for the enterprise as: 1. the capabilities of the enterprise itself; 2. the credit score of the enterprise (the calculation of the credit score is the core innovation point of the invention) is two major aspects, and the actually calculated comprehensive score is respectively allocated with 50 points according to the two aspects to form a comprehensive score of 100 points full, and when the comprehensive score is finally presented, the two parts of scores are intuitively presented more intuitively and effectively. Because, a large business does not necessarily have a good credit score, while a small business does not say that there is a place to play. Further in combination with the above-described setting of positive information scoring and negative information scoring, it is preferable to give a default initial credit score of 25 points, on which scoring and scoring will be based. On the other hand, for the user, the assessment of the composite score may also be classified as: 1. self asset assessment; 2. a personal credit score. The individual comprehensive score dividing principle and enterprises can form effective unification, thereby further implementing the technical idea of the scheme of the invention.
In the implementation process of the embodiment of the invention, when a party handling business relates to an enterprise and the weights of the adding items and the subtracting items are determined, a comparison model of the same type of enterprise is correspondingly established, and the corresponding weight is given to a parameter value according to the position of the enterprise handling business in the comparison model. Based on the score dividing scheme already described above, the enterprise's own ability is given with 0-50 intervals, and for the credit score of the enterprise, also given with 0-50 intervals, and for better applying to the setting of the present invention, given with the initial 25-point setting of the credit score, at this time, when "determining the weight of the adding item and the subtracting item, correspondingly establishing the comparison model of the same type of enterprise, and given with the corresponding weight and given with the parameter value" setting, mainly in the credit score part, also will refine a plurality of calculation composition factors because of the related aspects, the plurality of calculation composition factors constitute the complete credit score; therefore, for each calculated composition factor, a range of values is also set, such as: setting the upper limit of the business credit score between historical enterprises and users to be 10 minutes, and when calculating the score of the current enterprise specifically, comparing the performance of the same type of enterprise, and giving corresponding weight to the 10 scores, thereby obtaining a calculation composition factor for calculating the default credit score of 25; in a popular way, if the business credit of the enterprise to be analyzed is centered with the business credit of the user in history, the corresponding weight value is 1/2, and the final calculation component factor is 10 × 1/2 — 5. This is because it is considered that when the user really selects the enterprise to handle the business, the range of the selection space made by the user is the same type of enterprise set in the scheme.
It has been mentioned above that the attribute items constituting the credit score may be composed of a plurality of items, and the actual situation may be more complicated than the above example, and then in connection with the embodiment of the present invention, a typical presentation of rating data is given for each service type, specifically:
the rating data of the business between the individual and the government comprises: a list of distressed letters published by the government, individuals negatively reported by the government, individuals positively identified by government channels, and the employment nature of the individuals;
the rating data of the business-government business comprises: enterprises are listed in government negative list conditions, affiliated industry associations, public welfare activity participation and enterprise environmental protection emphasis degree;
the rating data of the inter-enterprise business comprises: one or more of market share of the enterprise, research and development investment of the enterprise, raw material purchase of the enterprise, sales and service capability of the enterprise, public opinion information of the enterprise, human management of the enterprise, financial management, process management, financing situation and legal mechanism;
the rating data of the business between the individual and the enterprise comprises: sales of the enterprise, after-sales of the enterprise, customer complaints of the enterprise and public opinion information of the enterprise;
the rating data of the inter-individual service includes: litigation disputes among individuals and credit ratings of individuals in the individual correspondence network.
In combination with the embodiment of the present invention, there is a preferred implementation scheme, where the rating data of the inter-enterprise service and the rating data of the enterprise and the government further include:
and (4) authentication data of the project correspondingly completed by the enterprise.
Example 2:
in the embodiment of the present invention, a specific feasible method is provided for the public opinion information confirmation of the enterprise proposed in embodiment 1, and compared with a result obtained by a simple crawler manner in the prior art, the method has a higher accuracy, as shown in fig. 2, and includes:
in step 301, comment information corresponding to a corresponding business is obtained from the internet.
The acquisition mode can be acquired through the social platform of the enterprise, or can be acquired through posting and replying of a portal website of a third party, or can be acquired through an internet text published by a competitor. It should be noted that in a specific implementation manner of the present invention, the comment information of the government on the enterprise is classified into the category of business relationship between the enterprise and the government, and therefore, the comment information is not repeatedly embodied in the comment information of the embodiment of the present invention. This is also because the confidence level of the government is improved to the highest level in the present invention, and the subsequent analysis process like step 302 will not be performed on the relevant information distributed.
In step 302, the publishers of each review message are individually evaluated for their credit rating under the real-name message.
It is considered that the existing network environment is not a complete real-name system environment, and even under the real-name system environment, personal credit rating of some people is low, and the working property of the people can be that malicious comment information is issued. In this case, the public opinion information can be effectively examined in step 302 to avoid the deviation of credit score for the enterprise due to unreal public opinion guidance.
In a specific implementation mode, public opinions with evidence can be further screened out in a priority mode for effectiveness evaluation, the public opinions with evidence are used as root nodes based on the public opinion guide with evidence, tree relations are built between other public opinion contents, and corresponding weight values are adjusted according to the size of the tree scale.
In step 303, if the credit rating exceeds a preset threshold, the comment information is included in the valid comment as one of the public opinion analysis objects of the enterprise.
In step 304, the credit rating is discarded if the credit rating is lower than the preset threshold.
The embodiment of the invention has the advantages that under the environment of the ubiquitous internet, the information content effective for the enterprise credit evaluation can be captured more accurately, and the public opinion information content with confusion or malicious interference is eliminated.
Example 3:
in the embodiment of the present invention, a specific feasible method is provided for the credit rating of the individual in the individual correspondence network proposed in embodiment 1, as shown in fig. 3, the method includes:
in step 401, an individual associated with an individual to transact business is analyzed, and based on the relationship of the individual, a credit rating of one or more relatives having a relationship with the individual is determined.
In the specific operation process, screening is also performed in step 401 according to the degree of interaction between an individual and the relative thereof, which takes into account that in practical situations, individuals with great difference in value and concept are considered, and even though the relative relationship exists between the individuals, the reference degree of the credit rating between the individuals is weakened, even the reference degree is not influenced by the credit rating of the close friend relationship in a general sense.
In step 402, a credit rating of one or more friends affiliated with an individual is determined based on the individual's friendship.
The method is based on the classic logic realization of 'people by class with class' and the steps of the method are realized, in the specific realization process, the social software is usually used as an entry cut, the corresponding friend list is got through, and the effective friend confirmation on the line is carried out by taking the effective chat quantity as reference; furthermore, the offline effective friends can be found in a supplementary mode through the effective place staying time and the characteristic that the effective place staying time in the friend list is crossed.
In step 403, according to the credit rating of the relatives and the credit rating of the friends, generating a weight value corresponding to the individual for calculating a comprehensive score corresponding to the individual in the business to be transacted.
Different from the embodiment 3, the embodiment of the invention provides an improvement scheme aiming at the comprehensive score of the individual A for the enterprise, the government or the other party B transacting the business when the individual A is deeply dug as the participant of the business to be transacted. In combination with the setting of the credit evaluation score in example 1, the credit rating of the individual in the individual correspondence network in the above-described example 3 may be given a weight of 10 points. The corresponding specific score can be achieved by referring to the weight analysis in embodiment 2, which is not repeated herein.
Example 4:
fig. 4 is a schematic structural diagram of a content recommendation device based on human body status according to an embodiment of the present invention. The human body state-based content recommendation apparatus of the present embodiment includes one or more processors 21 and a memory 22. In fig. 4, one processor 21 is taken as an example.
The processor 21 and the memory 22 may be connected by a bus or other means, such as the bus connection in fig. 4.
The memory 22, which is a non-volatile computer-readable storage medium, may be used to store non-volatile software programs and non-volatile computer-executable programs, such as the credit evaluation method of embodiment 1. The processor 21 executes the credit assessment method by executing non-volatile software programs and instructions stored in the memory 22.
The memory 22 may include high speed random access memory and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, the memory 22 may optionally include memory located remotely from the processor 21, and these remote memories may be connected to the processor 21 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The program instructions/modules are stored in the memory 22 and, when executed by the one or more processors 21, perform the credit evaluation method of embodiment 1 described above, e.g., perform the various steps shown in fig. 1-3 described above.
It should be noted that, for the information interaction, execution process and other contents between the modules and units in the apparatus and system, the specific contents may refer to the description in the embodiment of the method of the present invention because the same concept is used as the embodiment of the processing method of the present invention, and are not described herein again.
Those of ordinary skill in the art will appreciate that all or part of the steps of the various methods of the embodiments may be implemented by associated hardware as instructed by a program, which may be stored on a computer-readable storage medium, which may include: a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic or optical disk, or the like.
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 (9)
1. A credit evaluation method, comprising:
acquiring the service attribute of a service to be handled; wherein the service attribute comprises: at least one of inter-individual service, inter-enterprise service, inter-individual-government service, and inter-enterprise-government service;
filtering credit rating data according to the service attribute, and screening out rating data; the screened rating data comprises a first group of rating data with a rating level smaller than the service attribute of the service to be handled and a second group of rating data with a rating level larger than the service attribute of the service to be handled;
and calculating the comprehensive score of the service to be transacted according to the screened first group of rating data and the screened second group of rating data.
2. The credit evaluation method of claim 1, wherein the rating scale is from high to low, in particular:
individual-to-government, enterprise-to-enterprise, individual-to-enterprise, and individual-to-individual services;
when the credit rating value of the service to be managed of the service attribute with high rating level is calculated, the related rating data of the service attribute with low rating level is used for forming a composition factor for adding the items; and the related rating data of the service attribute with the high rating level is used for forming a composition factor for calculating the deduction item when the credit rating value of the service attribute to be managed with the high rating level is calculated.
3. The method according to claim 2, wherein the calculating a composite score of the transaction service according to the first and second sets of rating data includes:
and when calculating the comprehensive score of the service to be transacted, taking the positive information in the first group of rating data as an adding item to participate in the comprehensive score calculation process, and taking the negative information in the second group of rating data as a subtracting item to participate in the comprehensive score calculation process, thereby obtaining the final comprehensive score.
4. The credit evaluation method of claim 3, wherein when the business handling party relates to a business, and the weights of the added and subtracted terms are determined, a comparison model of the same type of business is established accordingly, and the corresponding weight is given to the parameter value according to the position of the business to be handled in the comparison model.
5. The credit evaluation method of any of claims 1-4, comprising:
the rating data of the business between the individual and the government comprises: a list of distressed letters published by the government, individuals negatively reported by the government, individuals positively identified by government channels, and the employment nature of the individuals;
the rating data of the business-government business comprises: enterprises are listed in government negative list conditions, affiliated industry associations, public welfare activity participation and enterprise environmental protection emphasis degree;
the rating data of the inter-enterprise business comprises: one or more of market share of the enterprise, research and development investment of the enterprise, raw material purchase of the enterprise, sales and service capability of the enterprise, public opinion information of the enterprise, human management of the enterprise, financial management, process management, financing situation and legal mechanism;
the rating data of the business between the individual and the enterprise comprises: sales of the enterprise, after-sales of the enterprise, customer complaints of the enterprise and public opinion information of the enterprise;
the rating data of the inter-individual service includes: litigation disputes among individuals and credit ratings of individuals in the individual correspondence network.
6. The credit evaluation method of claim 5, wherein the confirmation of the public opinion information of the enterprise comprises:
obtaining comment information corresponding to corresponding enterprises from the Internet;
evaluating credit ratings of publishers of the comment information corresponding to the real-name information one by one, and if the credit ratings exceed a preset threshold, bringing the comment information into effective comments to serve as one of public opinion score analysis objects of the enterprise; and if the credit rating is lower than the preset threshold value, abandoning the credit rating.
7. The method according to claim 5, wherein the credit rating of an individual in the individual correspondence network specifically includes:
analyzing individuals related to individuals needing to transact business, and determining credit ratings of one or more relatives having relativity with the individuals according to the relativity of the individuals; further, determining a credit rating of one or more friends affiliated with the individual based on the friendship of the individual;
and generating a weight value corresponding to the individual according to the credit rating of the relatives and the credit rating of the friends, and calculating a comprehensive score corresponding to the individual in the service to be transacted.
8. The credit evaluation method of claim 5, wherein the rating data of the inter-enterprise business and the rating data of the enterprise and the government further comprise:
and (4) authentication data of the project correspondingly completed by the enterprise.
9. A credit evaluation method and apparatus, the apparatus comprising:
at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor and programmed to perform the credit assessment method of any of claims 1-8.
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