CN111161013B - Credit evaluation method and device - Google Patents
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- CN111161013B CN111161013B CN201911248568.4A CN201911248568A CN111161013B CN 111161013 B CN111161013 B CN 111161013B CN 201911248568 A CN201911248568 A CN 201911248568A CN 111161013 B CN111161013 B CN 111161013B
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Abstract
The invention relates to the technical field of credit evaluation, and provides a credit evaluation method and device. The method comprises the steps of obtaining service attributes of the service to be transacted; filtering credit rating data according to the service attributes, 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 transacted and a second group of rating data with a rating level larger than the service attribute of the service to be transacted; and calculating the comprehensive score of the business to be transacted according to the screened first group of rating data and the second group of rating data. The invention makes more intensive study on the existing credit rating method, and makes targeted adjustment on the existing universality calculation method; the calculation process of various rating data in different scenes is more reasonably applied, and the accuracy of using the rating data and the effectiveness of final data are ensured.
Description
[ field of technology ]
The present invention relates to the field of credit evaluation technologies, and in particular, to a credit evaluation method and apparatus.
[ background Art ]
The data is stored in different fields and the data structure is quite different between different systems. To form a complete and effective set of archive data, the archive data must be supported and fused for multiple fields and multiple structures, so that the generated archive has wide coverage, full data sources and timely data content updating.
The current data superposition mode adopted by the digital archive is to grasp data from different sources to splice, form an information set and establish the archive. The hidden information behind the data cannot be comprehensively obtained without combing and analyzing the relation and the weight among the data. After the archive data is formed, the data content is not evaluated or rated.
In view of this, overcoming the drawbacks of the prior art is a problem to be solved in the art.
[ invention ]
The invention aims to solve the technical problem that the credit rating in the prior art is a universal evaluation method, and personal attribute differences of deep ploughed users are not generated, so that the credit rating and the grade of the users can be misjudged in some cases, and potential business groups are missed.
The invention adopts the following technical scheme:
in a first aspect, the present invention provides a credit evaluation method, including:
acquiring service attributes of the service to be transacted; wherein, the service attribute includes: at least one of inter-individual business, inter-enterprise business, inter-individual and government business, and inter-enterprise and inter-government business;
filtering credit rating data according to the service attributes, 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 transacted and a second group of rating data with a rating level larger than the service attribute of the service to be transacted;
and calculating the comprehensive score of the business to be transacted according to the screened first group of rating data and the second group of rating data.
Preferably, the grade level is from high to low, specifically:
inter-individual and government services, enterprise and government services, inter-enterprise services, inter-individual and enterprise services, and inter-individual services;
the relevant rating data of the service attribute with low rating level is used for forming a score calculation composition factor when calculating the credit rating value of the service attribute to be processed with high rating level; the relevant rating data of the service attribute with high rating level is used for forming a division-reduction item calculation composition factor when the credit rating value of the service attribute to-be-handled service with high rating level is calculated.
Preferably, the calculating the integrated score of the business to be transacted according to the first group of rating data and the second group of rating data, specifically includes:
and when the comprehensive score of the business to be transacted is calculated, taking the positive information in the first group of rating data as an additional item to participate in the comprehensive score calculation process, and taking the negative information in the second group of rating data as a subtraction item to participate in the comprehensive score calculation process, so as to obtain a final comprehensive score.
Preferably, when the party handling the business relates to the enterprise, when the weights of the add items and the subtract items are determined, a comparison model of the enterprise of the same type is correspondingly established, and parameter values are assigned to the corresponding weights according to the positions of the enterprise to be handled in the comparison model.
Preferably, the method comprises the steps of:
ratings data for the business between the individual and the government includes: a list of trust released by the government, individuals reported negatively by the government, individuals with positive manifestation of government channels and job properties of individuals;
the rating data of business between enterprises and governments comprises: the enterprises are listed in a government negative list, the affiliated industry association, the participation degree of public welfare activities and the environmental protection emphasis degree of the enterprises;
the rating data of the business between enterprises comprises: one or more of market share of the enterprise, research and development investment of the enterprise, raw material purchasing of the enterprise, sales and service capability of the enterprise, public opinion information of the enterprise, human management, financial management, flow management, financing situation and legal service mechanism of the enterprise;
ratings data for business between individuals and businesses include: sales of the enterprise, after-sales of the enterprise, customer complaints of the enterprise, and public opinion information of the enterprise;
ratings data for inter-individual traffic includes: litigation disputes among individuals and credit ratings of individuals in an individual correspondence network.
Preferably, the public opinion information confirmation of the enterprise includes:
comment information corresponding to the corresponding enterprises is obtained from the Internet;
the method comprises the steps that the publishers of each comment information are evaluated one by one, the publishers correspond to credit ratings under real-name information, and if the credit ratings exceed a preset threshold, the comment information is taken into effective comments to serve as one of public opinion analysis objects of enterprises; and if the credit rating is lower than the preset threshold value, discarding the credit rating.
Preferably, the credit rating of the individual in the individual corresponding relation network specifically includes:
analyzing an individual associated with an individual to which the business is to be transacted, and determining a credit rating of one or more relatives having a relatives relationship with the individual according to the relatives relationship of the individual; further, determining, from a friendship of an individual, a credit rating of one or more friends in contact with 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 the comprehensive score corresponding to the individual in the business to be transacted.
Preferably, the rating data of the business between enterprises and the rating data of the enterprises and the government also comprise:
authentication data for the completed project corresponding to 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, where 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, the instructions being programmed to perform the credit assessment method of the first aspect.
In a third aspect, the present invention also provides a non-volatile computer storage medium storing computer-executable instructions for execution by one or more processors to perform the credit assessment method of the first aspect.
The invention makes more intensive study on the existing credit rating method, and makes targeted adjustment on the existing universality calculation method; the calculation process of various rating data in different scenes is more reasonably applied, and the accuracy of using the rating data and the effectiveness of final data are ensured.
The principle of the invention is that the existing service types are classified, and according to the classified service types, the influence relation among the service types is defined, and the invention takes a person as an example: if the business with the enterprise is to be transacted, the business situation of other enterprises in history and the business situation of other individuals are not recorded with bad records or good records, which are positive information plus items; the positive information is not taken as an additional item, and the negative information of the government business is taken as a subtraction item, so that the differentiated operation can greatly improve the accuracy of credit scoring physique mixed into one pass in the prior art.
[ description of the drawings ]
In order to more clearly illustrate the technical solution of the embodiments of the present invention, the drawings that are required to be used in the embodiments of the present invention will be briefly described below. It is evident that the drawings described below are only some embodiments of the present invention and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.
FIG. 1 is a schematic flow chart of a credit evaluation method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a screening process related to public opinion of enterprises in a credit evaluation method according to an embodiment of the present invention;
FIG. 3 is a flow chart of an improved method for personal credit scoring in a credit assessment method according to an embodiment of the invention;
fig. 4 is a schematic structural diagram of a credit evaluation device according to an embodiment of the present invention.
[ detailed description ] of the invention
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
In the description of the present invention, the terms "inner", "outer", "longitudinal", "transverse", "upper", "lower", "top", "bottom", etc. refer to an orientation or positional relationship based on that shown in the drawings, merely for convenience of describing the present invention and do not require that the present invention must be constructed and operated in a specific orientation, and thus should not be construed as limiting the present invention.
In addition, the technical features of the embodiments of the present invention described below may be combined with each other as long as they do not collide 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, obtaining a service attribute of a service to be transacted; wherein, the service attribute includes: at least one of inter-individual business, inter-enterprise business, inter-individual and government business, and inter-enterprise and government business.
The inter-individual business, the inter-enterprise business, the inter-individual and government business and the inter-enterprise and government business are obtained by analyzing within the range of supporting large data acquisition currently, and are obtained by qualitatively dividing known various types of business.
In step 202, credit rating data is filtered according to the service attribute, and the rating data is screened out; 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 transacted and a second group of rating data with a rating level larger than the service attribute of the service to be transacted.
In step 203, a comprehensive score of the business to be transacted is calculated according to the screened first set of rating data and the second set of rating data.
The principle of the embodiment of the invention is that the existing service types are classified, and according to the classified service types, the influence relationship among the service types is defined, and taking a person as an example: if the business with the enterprise is to be transacted, the business situation of other enterprises in history and the business situation of other individuals are not recorded with bad records or good records, which are positive information plus items; however, for government services, the ranking level is higher than that of the current enterprise services, so that the positive information is not used as an additional item (in the embodiment of the invention, the ranking is distributed according to the corresponding service constraint, so that the service types with high ranking level can be smoothly processed compared with the service types with low ranking level, and the method belongs to the normal logic trend, and is not suitable as the additional item of the positive information with low ranking level-which is not distinguished in the prior art, and because of the reason, the inaccuracy of the existing comprehensive scoring result is caused), while the negative information of the government services becomes a reduced item, so that the differentiated operation can greatly improve the accuracy of the credit scoring constitution mixed as one pass in the prior art.
The embodiment of the invention makes more intensive researches on the existing credit rating method, and makes targeted adjustment on the existing universality calculation method; the calculation process of various rating data in different scenes is more reasonably applied, and the accuracy of using the rating data and the effectiveness of final data are ensured.
In the embodiment of the invention, the specific classification mode of the grade from high to low is given, which comprises the following steps:
inter-individual and government services, enterprise and government services, inter-enterprise services, inter-individual and enterprise services, and inter-individual services;
the relevant rating data of the service attribute with low rating level is used for forming a score calculation composition factor when calculating the credit rating value of the service attribute to be processed with high rating level; the relevant rating data of the service attribute with high rating level is used for forming a division-reduction item calculation composition factor when the credit rating value of the service attribute to-be-handled service with high rating level is calculated.
In the embodiment of the invention, the classification principle of the grade is classified according to the strong and weak group gap of the attribution of the two parties to be transacted, which is the thought closest to the universality logic, and the key innovation point of the invention is found in the credit evaluation field and utilizes the characteristic.
Based on the principle analysis described above, corresponding to the step 203 in embodiment 1 of the present invention, the calculating the integrated score of the business to be transacted according to the screened first set of rating data and the second set of rating data provides a specific implementation manner, which includes:
and when the comprehensive score of the business to be transacted is calculated, taking the positive information in the first group of rating data as an additional item to participate in the comprehensive score calculation process, and taking the negative information in the second group of rating data as a subtraction item to participate in the comprehensive score calculation process, so as to obtain a final comprehensive score.
In the preferred implementation of the present invention, it is not recommended to use the existing way of calculating a single integrated score for presentation, because the aspects used to calculate the integrated score themselves, although scattered, can be summarized as follows for the enterprise: 1. the ability of the enterprise itself; 2. the credit score of the enterprise (the credit score is calculated as the core innovation point of the invention) is two aspects, and the actually calculated comprehensive score is distributed with 50 points according to the two aspects, so that the comprehensive score of 100 points is formed, and the visual presentation by using the two partial scores is more visual and effective when the final presentation is performed. Because the business scale is large, there is not necessarily a good credit score, while the business scale is small, and its credit score is not defined as where it is coming out. Further in combination with the positive information score and negative information score settings described above, it is preferable to give a default initial credit score of 25 scores, on which the score terms and the score terms will be embodied. On the other hand, for a user, the rating of the composite score may also be categorized as: 1. self asset assessment; 2. personal credit score. The personal comprehensive score dividing principle and enterprises can form effective unification, so that the technical ideas of the scheme of the invention are further realized.
In the implementation process of the embodiment of the invention, when one party handling the business relates to the enterprise, when the weights of the add items and the subtract items are determined, a comparison model of the enterprise of the same type is correspondingly established, and parameter values are assigned to the corresponding weights according to the positions of the enterprise to be handled in the comparison model. Based on the score dividing scheme, the capacity of the enterprise is set to 0-50 intervals, and the credit score of the enterprise is set to 0-50 intervals, and the initial 25-score setting is given for better application to the setting of the invention, at this time, the above-mentioned "when determining the weights of the add and subtract terms, a comparison model of the enterprise of the same type is correspondingly established, and parameter values are given to the corresponding weights according to the positions of the enterprise to be transacted in the comparison model", and a plurality of calculation composition factors are mainly refined in the credit score part because of the related aspects, and form a complete credit score; thus, for each calculated composition factor, its value interval range is also set, for example: setting the upper limit of business credit score between the historical enterprise and the user as 10 time sharing, then comparing the enterprise performances of the same type with the current enterprise when the current enterprise is calculated, and giving corresponding weight to the 10 time sharing, so as to obtain a calculation composition factor for calculating the default credit score 25; in a popular manner, if the business credit of the enterprise to be analyzed is centered on the business credit of the enterprise and the user in history compared with the enterprise of the same type, the corresponding weight value is 1/2, and the final calculated composition factor is 10×1/2=5. This is because it is considered that when the user actually selects an enterprise to transact business, the range of the selection space made by the user is the enterprise of the same type 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 case exemplified above, and that a typical presentation of rating data will be given for each service type in connection with the embodiment of the present invention, specifically:
ratings data for the business between the individual and the government includes: a list of trust released by the government, individuals reported negatively by the government, individuals with positive manifestation of government channels and job properties of individuals;
the rating data of business between enterprises and governments comprises: the enterprises are listed in a government negative list, the affiliated industry association, the participation degree of public welfare activities and the environmental protection emphasis degree of the enterprises;
the rating data of the business between enterprises comprises: one or more of market share of the enterprise, research and development investment of the enterprise, raw material purchasing of the enterprise, sales and service capability of the enterprise, public opinion information of the enterprise, human management, financial management, flow management, financing situation and legal service mechanism of the enterprise;
ratings data for business between individuals and businesses include: sales of the enterprise, after-sales of the enterprise, customer complaints of the enterprise, and public opinion information of the enterprise;
ratings data for inter-individual traffic includes: litigation disputes among individuals and credit ratings of individuals in an individual correspondence network.
In connection with the embodiment of the invention, there is a preferred implementation scheme, and the rating data of business between enterprises and the rating data of enterprises and governments also comprise:
authentication data for the completed project corresponding to the enterprise.
Example 2:
in the embodiment of the present invention, a specific and feasible method is provided for confirming public opinion information of the enterprise set forth in embodiment 1, and compared with the result obtained by simply using a crawler in the prior art, the method has 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 a social platform of the enterprise, can be acquired through the posting and replying of a portal site of a third party, and can be acquired through a net 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 has been classified into the relationship category of the enterprise and the government, and therefore, the corresponding comment information will not be repeatedly reflected in the embodiment of the present invention. This is also because the present invention increases government confidence to the highest level and no subsequent analysis process like step 302 will be performed on the relevant information it publishes.
In step 302, the publishers evaluating each comment information one by one correspond to the credit rating under the real-name information.
It is contemplated that the existing network environment is not a fully real-name environment and that even in a real-name environment, personal credit ratings of some people are not precluded from being low, and that its own performance may be to post malicious comment information. At this time, the public opinion information can be effectively examined in step 302, so as to avoid deviation of credit score of enterprises caused by unreasonable public opinion guiding.
In a specific implementation manner, the method can further screen evidence public opinion to perform validity assessment preferentially, and based on evidence public opinion guidance as a root node, other public opinion contents are established in a tree relation with the root node, 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 rating information is included as one of the public opinion analysis objects of the enterprise.
In step 304, the credit rating is discarded if the credit rating is below the preset threshold.
The embodiment of the invention has the advantages that the information content effective for enterprise credit assessment can be more accurately captured under the large environment of the universal Internet, 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 set forth in embodiment 1, as shown in fig. 3, including:
in step 401, an individual associated with an individual to whom a business is to be transacted is analyzed, and a credit rating for one or more relatives with whom the individual is in a relationship is determined based on the relatives of the individual.
In a specific operation process, the screening is performed in step 401 according to the interaction degree of the individuals and their relatives, which is to consider that in practical situations, the credit rating reference degree between individuals with great value ideas is weakened even if the relatives are related, and is even not as high as that of the credit rating influence reference degree of the close friends in a general sense.
In step 402, a credit rating of one or more friends in contact with an individual is determined based on a friendship of the individual.
The method is based on classical logic implementation of the category gathering in groups, in the specific implementation process, social software is generally used as a cutting port, a corresponding friend list is passed, and effective chatting quantity is used for on-line effective friend confirmation; further, the offline effective friends are found in a complementary manner by the characteristic that the effective place residence time is crossed with the effective place residence time in the friend list.
In step 403, a weight value corresponding to the individual is generated based on the credit rating of the relative and the credit rating of the friend, and is used to calculate a composite score corresponding to the individual in the business to be transacted.
Unlike example 3, the embodiment of the present invention provides an improvement of the integrated score for individual a by deeply digging individual a as the party to transact business, to the enterprise, government or another party to transact business B. In combination with the credit evaluation value setting in embodiment 1, the credit rating of the individual in the individual correspondence network in embodiment 3 may be a proportion of 10 points. The corresponding specific score values can be realized by referring to the weight analysis in embodiment 2, and will not be repeated here.
Example 4:
fig. 4 is a schematic diagram of an architecture of a content recommendation device based on a human body state according to an embodiment of the present invention. The content recommendation device based on the human body state of the present embodiment includes one or more processors 21 and a memory 22. In fig. 4, a processor 21 is taken as an example.
The processor 21 and the memory 22 may be connected by a bus or otherwise, for example in fig. 4.
The memory 22 is used as a nonvolatile computer-readable storage medium for storing a nonvolatile software program and a nonvolatile computer-executable program, as in the credit evaluation method in embodiment 1. The processor 21 performs the credit assessment method by running 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, memory 22 may optionally include memory located remotely from processor 21, which may be connected to 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, which when executed by the one or more processors 21, perform the credit assessment method of embodiment 1 described above, e.g., perform the steps shown in fig. 1-3 described above.
It should be noted that, because the content of information interaction and execution process between modules and units in the above-mentioned device and system is based on the same concept as the processing method embodiment of the present invention, specific content may be referred to the description in the method embodiment of the present invention, and will not be repeated here.
Those of ordinary skill in the art will appreciate that all or a portion of the steps in the various methods of the embodiments may be implemented by a program that instructs associated hardware, the program may be stored on a computer readable storage medium, the storage medium may include: read Only Memory (ROM), random access Memory (RAM, random Access Memory), magnetic or optical disk, and the like.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, and alternatives falling within the spirit and principles of the invention.
Claims (8)
1. A method of credit assessment, comprising:
acquiring service attributes of the service to be transacted; wherein, the service attribute includes: at least one of inter-individual business, inter-enterprise business, inter-individual and government business, and inter-enterprise and inter-government business;
filtering credit rating data according to the service attribute; wherein the filtered rating data comprises a first group of rating data with a rating level smaller than the service attribute of the service to be transacted and a second group of rating data with a rating level larger than the service attribute of the service to be transacted;
calculating the comprehensive score of the business to be transacted according to the filtered first group of rating data and the second group of rating data; and taking the positive information in the first group of rating data as an additional item to participate in the comprehensive score calculation process, and taking the negative information in the second group of rating data as an additional item to participate in the comprehensive score calculation process.
2. The credit assessment method according to claim 1, wherein the assessment level is from high to low, in particular:
inter-individual and government services, enterprise and government services, inter-enterprise services, inter-individual and enterprise services, and inter-individual services;
the related rating data of the service attribute with low rating level is used for forming a score calculation composition factor when calculating the comprehensive score of the service attribute to be processed with high rating level; the relevant rating data of the service attribute with high rating level is used for forming a division-reduction item calculation composition factor when calculating the comprehensive score of the service attribute to be handled with low rating level.
3. The credit evaluation method according to claim 1, wherein when the party dealing with the business involves an enterprise, when the weights of the add-in and subtract-out items are determined, a comparison model of the same type of enterprise is established correspondingly, and parameter values are assigned to the weights correspondingly according to the positions of the enterprises to be handled in the comparison model.
4. A credit assessment method according to any of claims 1-3, comprising:
ratings data for the business between the individual and the government includes: a list of trust released by the government, individuals reported negatively by the government, individuals with positive manifestation of government channels and job properties of individuals;
the rating data of business between enterprises and governments comprises: the enterprises are listed in a government negative list, the affiliated industry association, the participation degree of public welfare activities and the environmental protection emphasis degree of the enterprises;
the rating data of the business between enterprises comprises: one or more of market share of the enterprise, research and development investment of the enterprise, raw material purchasing of the enterprise, sales and service capability of the enterprise, public opinion information of the enterprise, human management, financial management, flow management, financing situation and legal service mechanism of the enterprise;
ratings data for business between individuals and businesses include: sales of the enterprise, after-sales of the enterprise, customer complaints of the enterprise, and public opinion information of the enterprise;
ratings data for inter-individual traffic includes: litigation disputes among individuals and credit ratings of individuals in an individual correspondence network.
5. The credit evaluation method of claim 4, wherein the public opinion information confirmation of the enterprise includes:
comment information corresponding to the corresponding enterprises is obtained from the Internet;
the method comprises the steps that the publishers of each comment information are evaluated one by one, the publishers correspond to credit ratings under real-name information, and if the credit ratings exceed a preset threshold, the comment information is taken into effective comments to serve as one of public opinion analysis objects of enterprises; and if the credit rating is lower than the preset threshold value, discarding the credit rating.
6. The credit assessment method according to claim 4, wherein the credit rating of the individual in the individual correspondence network specifically comprises:
analyzing an individual associated with an individual to which the business is to be transacted, and determining a credit rating of one or more relatives having a relatives relationship with the individual according to the relatives relationship of the individual; further, determining, from a friendship of an individual, a credit rating of one or more friends in contact with 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 the comprehensive score corresponding to the individual in the business to be transacted.
7. The credit evaluation method of claim 4, wherein the ratings data of the inter-business and the ratings data of the business and the government each further include:
authentication data for the completed project corresponding to the enterprise.
8. A credit assessment 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, the instructions being programmed to perform the credit assessment method of any one of claims 1-7.
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| CN108564466A (en) * | 2018-05-03 | 2018-09-21 | 湖南大学 | A kind of credit rating method |
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