CN111275319A

CN111275319A - Digital intelligent wind control early warning method and system

Info

Publication number: CN111275319A
Application number: CN202010057310.2A
Authority: CN
Inventors: 翟红鹰
Original assignee: Puhua Yunchuang Technology Beijing Co ltd
Current assignee: Puhua Yunchuang Technology Beijing Co ltd
Priority date: 2020-01-19
Filing date: 2020-01-19
Publication date: 2020-06-12

Abstract

The invention discloses a digital intelligent wind control early warning method and a system, wherein the method comprises the following steps: acquiring a plurality of dimensional information of an enterprise to be examined, and dividing each dimensional information into two types of evaluation information; generating a stability index according to one type, and generating a risk credibility factor corresponding to the stability index according to the other type; generating a single risk evaluation coefficient according to the stability index, the risk credibility factor and a preset weight value; generating a comprehensive risk evaluation coefficient according to a preset risk evaluation formula and all the individual risk evaluation coefficients; and outputting a risk early warning prompt and a disposal scheme corresponding to the risk early warning prompt according to the comprehensive risk evaluation coefficient and a preset risk evaluation comparison table. The technical scheme of the invention can help the financial institution to find the running risk of the entity enterprise in time and actively stop loss by cross-verifying the collection and automation of the key indexes of the entity enterprise, thereby helping the financial institution to better manage the assets.

Description

Digital intelligent wind control early warning method and system

Technical Field

The invention relates to the technical field of block chains, in particular to a digital intelligent wind control early warning method and system.

Background

The blockchain technology is a brand new distributed infrastructure and computing paradigm that utilizes blockchain data structures to verify and store data, utilizes distributed node consensus algorithms to generate and update data, cryptographically secures data transmission and access, and utilizes intelligent contracts composed of automated script code to program and manipulate data. In a block chain system, transaction data generated by each participating main body is packed into a data block every time, the data blocks are sequentially arranged according to a time sequence to form a chain of the data blocks, each participating main body has the same data chain and cannot be tampered unilaterally, any information modification can be performed only by a main body agreeing party with an agreed proportion, new information can only be added, and old information cannot be deleted or modified, so that information sharing and consistent decision among multiple main bodies are realized, and the identity of each main body and the transaction information among the main bodies are guaranteed to be not tampered, and are transparent.

Financial institutions (Financial institutions) refer to Financial intermediary institutions involved in the Financial industry, which are part of the Financial system, including banking, security, insurance, trust, fund, and other industries. Financial institutions include banks, securities companies, insurance companies, trust companies, fund management companies, and the like. It also refers to the loan-related organization, which delivers loans to the companies whose clients have financial turnover, and whose interest is higher than that of the banks, but it is more convenient for the clients to loan because they do not need complicated documentation.

The enterprise credit granting business is a main component of the credit granting business of commercial banks in China, and effective control of bank credit granting risk is the core content for increasing bank benefits. The enterprise credit granting risk control system of the commercial bank in China goes through the following two stages:

in the first stage 1997 to 1999, according to the requirements of the human bank, the commercial bank in China basically establishes a client credit rating and risk limit control system in the enterprise type client credit granting process in the whole bank range and is provided with a corresponding management software system, thereby basically realizing the centralized unified identification and evaluation of the whole credit granting risk assessment system of the enterprise type client;

in the second stage, the business bank in China changes the situation that various credit granting decisions are dispersed in all departments originally, and establishes a business operation mechanism of credit management department for intensively deciding the credit granting behaviors of the bank, so that all branches manage and control the credit granting business risk of enterprises in a centralized way, and are also provided with corresponding management software systems.

However, the management software system usually adopts a mode of acquiring financial statement data by one-time investigation. In this way, malicious tampering of data cannot be prevented. After the loan is delivered, the data corresponding to the continuous tracking management is lacked. So that the financial institution lacks comprehensive management data on the actual operation state of the enterprise. Furthermore, the operation condition and the profit condition of the enterprise cannot be completely expressed by only collecting financial statement data of a single dimension. Once an abnormality occurs, the financial institution cannot directly stop damage, resulting in further expansion of the risk.

Therefore, it is necessary to provide a new digital intelligent wind-controlled early warning method and system to solve the above technical problems.

Disclosure of Invention

The invention mainly aims to provide a digital intelligent wind control early warning method, and aims to solve the problems that the existing wind control management system is single and inaccurate in data acquisition and cannot avoid risks in time.

In order to achieve the purpose, the digital intelligent wind control early warning method provided by the invention comprises the following steps:

acquiring a plurality of dimensional information of an enterprise to be examined, and dividing each dimensional information into two types of evaluation information; the dimension information is block chain data and comprises enterprise financial dimension information, enterprise team dimension information, enterprise legal dimension information, enterprise intangible asset dimension information and enterprise brand dimension information;

generating a stability index according to one type of the evaluation information, and generating a risk credibility factor corresponding to the stability index according to the other type of the evaluation information;

generating a single risk evaluation coefficient according to the stability index, the risk credibility factor and a preset weight value;

generating a comprehensive risk evaluation coefficient according to a preset risk evaluation formula and all the individual risk evaluation coefficients;

and outputting a risk early warning prompt and a disposal scheme corresponding to the risk early warning prompt according to the comprehensive risk evaluation coefficient and a preset risk evaluation comparison table.

Preferably, the step of generating a stability index according to one type of the evaluation information and generating a risk confidence factor corresponding to the stability index according to another type of the evaluation information specifically includes:

generating an enterprise financial stability index according to one type of the assessment information of the enterprise financial dimension information, and generating an enterprise financial risk credible factor corresponding to the enterprise financial stability index according to the other type of the assessment information of the enterprise financial dimension information;

generating an enterprise team stability index according to one type of the assessment information of the enterprise team dimension information, and generating an enterprise team risk credible factor corresponding to the enterprise team stability index according to the other type of the assessment information of the enterprise team dimension information;

generating an enterprise legal stability index according to one type of the evaluation information of the enterprise legal dimension information, and generating an enterprise legal risk credible factor corresponding to the enterprise legal stability index according to the other type of the evaluation information of the enterprise legal dimension information;

generating an enterprise intangible asset stability index according to one type of assessment information of the enterprise intangible asset dimension information, and generating an enterprise intangible asset risk credible factor corresponding to the enterprise intangible asset stability index according to the other type of assessment information of the enterprise intangible asset dimension information;

and generating an enterprise brand stability index according to one type of the evaluation information of the enterprise brand dimension information, and generating an enterprise brand risk credibility factor corresponding to the enterprise brand stability index according to the other type of the evaluation information of the enterprise brand dimension information.

Preferably, the step of generating a single risk assessment coefficient according to the stability index, the risk confidence factor and a preset weight value specifically includes:

generating an enterprise financial individual risk assessment coefficient according to the enterprise financial stability index, the enterprise financial risk credibility factor and the enterprise financial weighted value;

generating a corporate team individual risk assessment coefficient according to the corporate team stability index, the corporate team risk credibility factor and the weighted value of the corporate team;

generating an enterprise legal affair single risk evaluation coefficient according to the enterprise legal affair stability index, the enterprise legal affair risk credible factor and the weighted value of the enterprise legal affairs;

generating a single risk assessment coefficient of the enterprise intangible asset according to the stability index of the enterprise intangible asset, the risk credibility factor of the enterprise intangible asset and the weight value of the enterprise intangible asset;

generating an enterprise brand individual risk assessment coefficient according to the enterprise brand stability index, the enterprise brand risk credibility factor and the enterprise brand weight value; wherein the sum of the weighted value of the enterprise finance, the weighted value of the enterprise team, the weighted value of the enterprise legal affairs, the weighted value of the enterprise intangible asset and the weighted value of the enterprise brand is one.

Preferably, the step of generating a comprehensive risk assessment coefficient according to a preset risk assessment formula and all the individual risk assessment coefficients specifically includes:

generating a comprehensive risk evaluation coefficient according to a preset risk evaluation formula, an enterprise financial individual risk evaluation coefficient, an enterprise team individual risk evaluation coefficient, an enterprise legal individual risk evaluation coefficient, an enterprise intangible asset individual risk evaluation coefficient and an enterprise brand individual risk evaluation coefficient;

the risk assessment formula is that the comprehensive risk assessment coefficient is enterprise financial individual risk assessment coefficient + enterprise team individual risk assessment coefficient + enterprise legal individual risk assessment coefficient + enterprise intangible asset individual risk assessment coefficient + enterprise brand individual risk assessment coefficient;

the enterprise financial single risk assessment coefficient is an enterprise financial risk credibility factor and an enterprise financial stability index and a weighted value of the enterprise financial;

the enterprise team individual risk assessment coefficient is an enterprise team risk credibility factor and an enterprise team stability index and the weight value of an enterprise team;

the enterprise legal single risk evaluation coefficient is an enterprise legal risk credibility factor and an enterprise legal stability index and the weight value of the enterprise legal;

the single risk assessment coefficient of the enterprise intangible asset is an enterprise intangible asset risk credibility factor and an enterprise intangible asset stability index and a weighted value of the risk of the enterprise intangible asset;

and the enterprise brand single risk evaluation coefficient is an enterprise brand risk credibility factor and an enterprise brand stability index and the weight value of the enterprise brand.

Preferably, the step of outputting a risk early warning prompt and a disposal scheme corresponding to the risk early warning prompt according to the comprehensive risk assessment coefficient and a preset risk assessment comparison table specifically includes:

outputting a risk early warning prompt according to the comprehensive risk assessment coefficient and a preset risk assessment comparison table, wherein the risk early warning prompt is a risk grade prompt;

and outputting a disposal scheme corresponding to the risk early warning prompt according to the risk early warning prompt.

In order to solve the above technical problem, the present invention further provides a digital intelligent wind control early warning system, including:

the system comprises an index acquisition module, a data processing module and a data processing module, wherein the index acquisition module is used for acquiring a plurality of dimensional information of an enterprise to be examined and dividing each dimensional information into two types of evaluation information; the dimension information is block chain data and comprises enterprise financial dimension information, enterprise team dimension information, enterprise legal dimension information, enterprise intangible asset dimension information and enterprise brand dimension information;

the auxiliary authentication module is used for generating a stability index according to one type of the evaluation information and generating a risk credibility factor corresponding to the stability index according to the other type of the evaluation information;

the risk evaluation module is used for generating a single risk evaluation coefficient according to the stability index, the risk credibility factor and a preset weight value;

the risk evaluation module is also used for generating a comprehensive risk evaluation coefficient according to a preset risk evaluation formula and all the individual risk evaluation coefficients;

and the risk early warning module is used for outputting a risk early warning prompt and a disposal scheme corresponding to the risk early warning prompt according to the comprehensive risk assessment coefficient and a preset risk assessment comparison table.

Preferably, the auxiliary authentication module is specifically configured to:

Preferably, the risk assessment module is specifically configured to:

Preferably, the risk assessment module is further configured to:

Preferably, the risk early warning module is specifically configured to:

According to the technical scheme, a plurality of dimensional information of an enterprise to be examined is obtained, and each piece of dimensional information is divided into two types of evaluation information; the dimension information is block chain data and comprises enterprise financial dimension information, enterprise team dimension information, enterprise legal dimension information, enterprise intangible asset dimension information and enterprise brand dimension information; generating a stability index according to one type of the evaluation information, and generating a risk credibility factor corresponding to the stability index according to the other type of the evaluation information; generating a single risk evaluation coefficient according to the stability index, the risk credibility factor and a preset weight value; generating a comprehensive risk evaluation coefficient according to a preset risk evaluation formula and all the individual risk evaluation coefficients; and outputting a risk early warning prompt and a disposal scheme corresponding to the risk early warning prompt according to the comprehensive risk evaluation coefficient and a preset risk evaluation comparison table. The dimension information of the block chain data ensures that the data cannot be tampered, and the authenticity of the data is ensured; data are collected based on multiple dimensions of finance, teams, legal affairs, intangible assets and brands, so that an assessment result is more comprehensive and accurate, and therefore comprehensive, continuous and accurate supervision on credit enterprises is achieved.

Wind control evaluation and assessment are carried out on the basis of the disclosed digital data indexes; taking non-financial data as a core index as a basis for risk assessment and assessment; the data accuracy of a single index can be corrected through the comprehensive index; through the collection and the automatic cross verification of key indexes of the entity enterprises, the financial institution can be helped to discover the operation risk of the entity enterprises in time and actively stop loss, so that the financial institution is helped to better perform asset management.

Drawings

Fig. 1 is a flowchart illustrating a working process of an embodiment of a digital intelligent wind control early warning method according to the present invention;

FIG. 2 is a flowchart illustrating the operation of step S2 shown in FIG. 1;

FIG. 3 is a flowchart illustrating the operation of step S3 shown in FIG. 1;

fig. 4 is an architecture diagram of an embodiment of the digital intelligent wind-control early warning system provided by the present invention.

The objects, features and advantages of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

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 following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.

Referring to fig. 1, in order to achieve the above object, in an embodiment of the present invention, a digital intelligent wind-control early warning method includes the following steps:

s1, acquiring a plurality of dimensional information of the enterprise to be examined, and dividing each dimensional information into two types of evaluation information; the dimension information is block chain data and comprises enterprise financial dimension information, enterprise team dimension information, enterprise legal dimension information, enterprise intangible asset dimension information and enterprise brand dimension information;

in this embodiment, the basic information (e.g., name, address, stockholder) of the enterprise to be examined is used as a search basis to obtain all the digitized dimension data.

And all the digitized dimension data can be recorded into the blockchain system to serve as dimension information of the blockchain data, so that a blockchain alliance chain managed by the enterprise and the financial institution together is constructed.

S2, generating a stability index according to one type of the evaluation information, and generating a risk credibility factor corresponding to the stability index according to the other type of the evaluation information;

in this embodiment, the stability index is used to represent the stability of an enterprise in a certain dimension.

The risk confidence factor is used to represent the confidence level of the corresponding stability factor. The greater the value of the risk confidence factor, the higher the confidence level of the corresponding stability factor. For example, the risk confidence factor is 0, which indicates that the corresponding stability factor is completely untrustworthy and the risk is highest; the confidence factor is 100, which indicates that the corresponding stability factor is completely reliable.

S3, generating a single risk evaluation coefficient according to the stability index, the risk credibility factor and a preset weight value;

s4, generating a comprehensive risk assessment coefficient according to a preset risk assessment formula and all the single risk assessment coefficients;

and S5, outputting a risk early warning prompt and a disposal scheme corresponding to the risk early warning prompt according to the comprehensive risk evaluation coefficient and a preset risk evaluation comparison table.

Referring to fig. 2, the step S2 specifically includes:

s21, generating an enterprise financial stability index according to one type of the assessment information of the enterprise financial dimension information, and generating an enterprise financial risk credibility factor corresponding to the enterprise financial stability index according to the other type of the assessment information of the enterprise financial dimension information;

specifically, the corporate financial dimension information may include corporate cash flow, corporate accounts receivable, corporate income contract, corporate bank funding source individuals, corporate cash and accounts receivable contrast, corporate active income contract signing, corporate funding source having a forward relationship with corporate intellectual property, and the like.

One type of assessment information includes, among other things, company cash flow, company receivable, company revenue contracts, and so forth. It will be appreciated that the more abundant the company is in cash, the faster the cash is added, and the better the business is operating.

Another type of assessment information includes corporate bank funding source individuals, corporate cash versus accounts receivable, corporate active revenue contract signing, corporate funding sources having a positive relationship with corporate intellectual property rights, etc. It is understood that the credibility of the final financial stability index is influenced by the personal of the bank capital source of the company, the contrast between the cash capital of the company and the accounts receivable is too large, the active income contract of the company is signed, the forward relation between the capital source of the company and the intellectual property of the company, and the like.

The more cash a company has does not mean that the risk is lower, the lower the risk credibility factor indicates that the financial data credibility is low, and then the risk coefficient calculated according to the risk model is also low, so that the current company can be warned that the company has a large financial risk. The stability indices for other dimensions, and the individual risk factors follow the same principles.

S22, generating an enterprise team stability index according to one type of the assessment information of the enterprise team dimension information, and generating an enterprise team risk credibility factor corresponding to the enterprise team stability index according to the other type of the assessment information of the enterprise team dimension information;

in this embodiment, the dimension information of the enterprise team may include the recruitment post, the leaving rate, the key post release condition or the associated post release condition of the company, the social security number, the data submitted by the public accumulation fund, the government post subsidy, the business insurance of the company, the annual fund of the enterprise, and the like.

The recruitment information of the enterprise is disclosed on the recruitment website, and the enterprise cannot make a fake product. The change of the recruitment channel and the recruitment channel selected by the enterprise also determines whether the current enterprise development changes.

The operation state of the company is greatly influenced by the fact that the main operation service of the enterprise is inconsistent with the currently recruited post and even the difference is too large.

The current operation condition changes of the enterprise can also be explained by the conditions and changes of social insurance number, the data submitted by the public accumulation fund, the subsidy of the government maintenance post, the commercial insurance of the company, the annual fund of the enterprise and other welfare provisions.

S23, generating an enterprise legal stability index according to one type of the evaluation information of the enterprise legal dimension information, and generating an enterprise legal risk credibility factor corresponding to the enterprise legal stability index according to the other type of the evaluation information of the enterprise legal dimension information;

specifically, the enterprise legal service dimension information includes public administrative penalty situations of the company, abnormal situations of credit investigation of the company, situations of court judgment (particularly in a form of being reported), changes of company associated stockholders and relevant major event situations.

S24, generating an enterprise intangible asset stability index according to one type of the assessment information of the enterprise intangible asset dimension information, and generating an enterprise intangible asset risk credible factor corresponding to the enterprise intangible asset stability index according to the other type of the assessment information of the enterprise intangible asset dimension information;

specifically, the intangible asset dimension information of the enterprise may include contents of patent inventions, soft copy situations, and the like, and the occurrence and change of the information may indicate the change of the operation condition of the company.

S25, generating an enterprise brand stability index according to one type of the evaluation information of the enterprise brand dimension information, and generating an enterprise brand risk credibility factor corresponding to the enterprise brand stability index according to the other type of the evaluation information of the enterprise brand dimension information.

The enterprise brand dimension information may include public complaints, police queries, company shareholder changes in a short time, major changes in business scope and address, and the like.

Meanwhile, frequent public complaints, public security inquiries, changes of stockholders of companies in a short time, major changes of business scope and address, and the like can prove the operational stability of the companies.

Referring to fig. 3, the step S3 specifically includes:

s31, generating an enterprise financial individual risk assessment coefficient according to the enterprise financial stability index, the enterprise financial risk credibility factor and the enterprise financial weighted value;

s32, generating a corporate team individual risk assessment coefficient according to the corporate team stability index, the corporate team risk credibility factor and the weight value of a corporate team;

s33, generating an enterprise legal affair single risk evaluation coefficient according to the enterprise legal affair stability index, the enterprise legal affair risk credibility factor and the weight value of the enterprise legal affair;

s34, generating a single risk assessment coefficient of the enterprise intangible asset according to the stability index of the enterprise intangible asset, the risk credibility factor of the enterprise intangible asset and the weight value of the enterprise intangible asset;

s35, generating an enterprise brand individual risk assessment coefficient according to the enterprise brand stability index, the enterprise brand risk credibility factor and the enterprise brand weight value; wherein the sum of the weighted value of the enterprise finance, the weighted value of the enterprise team, the weighted value of the enterprise legal affairs, the weighted value of the enterprise intangible asset and the weighted value of the enterprise brand is one.

The step S4 specifically includes:

The risk factors, the stability indexes and the weight values can be adjusted according to the requirements of financial institutions, and meanwhile, the calculation modes are not invariable. The necessary modification and the addition of the empirical value under the scheme are all within the protection scope of the invention, and the transformation of linear operation, exponential logarithm operation and the like by using the indexes provided by the invention is still part of the invention.

The step S4 specifically includes:

In the embodiment, the early warning can be performed in real time, timely and pertinently according to the template information, and the early warning result can be conveniently checked.

For example, the risk coefficient is 0-20, which indicates that the current enterprise needs to immediately terminate credit authorization;

21-50, which states that the current enterprise risk increase must be observed in the field to determine whether damage should be stopped and further action should be taken;

51-100, which shows that the current operation of the enterprise fluctuates, only needs to be reminded, and whether the on-site observation is needed or not is determined according to the accumulated occurrence frequency;

above 100, the current business situation of the enterprise is good, and the enterprise does not worry about or pay attention to.

And if the early warning is not needed, continuing a new round of data acquisition and subsequent risk early warning process.

Referring to fig. 4, the present invention further provides a digital intelligent wind-control early warning system.

In order to achieve the above object, in an embodiment of the present invention, a digital intelligent wind-control early warning system includes:

The auxiliary authentication module is specifically configured to:

The risk assessment module is specifically configured to:

The risk assessment module is further specifically configured to:

The risk early warning module is specifically configured to:

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a computer-readable storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above, and includes several instructions for enabling a terminal device to enter the method according to the embodiments of the present invention.

In the description herein, references to the description of the term "one embodiment," "another embodiment," or "first through xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims

1. A digital intelligent wind control early warning method is characterized by comprising the following steps:

2. The digitized intelligent wind-controlled early warning method according to claim 1, wherein the steps of generating a stability index according to one type of the evaluation information, and generating a risk confidence factor corresponding to the stability index according to another type of the evaluation information specifically comprise:

3. The digital wind-controlled early warning method according to claim 2, wherein the step of generating a single risk assessment coefficient according to the stability index, the risk confidence factor and a preset weight value specifically comprises:

4. The digitized intelligent wind-control early warning method according to claim 3, wherein the step of generating a comprehensive risk assessment coefficient according to a preset risk assessment formula and all the individual risk assessment coefficients specifically comprises:

5. The digitized intelligent wind-controlled early warning method according to any one of claims 1-4, wherein the step of outputting a risk early warning prompt and a treatment scheme corresponding to the risk early warning prompt according to the comprehensive risk assessment coefficient and a preset risk assessment comparison table specifically comprises:

6. The utility model provides a digital intelligent wind accuse early warning system which characterized in that includes:

7. The digital intelligent wind-controlled early warning system according to claim 6, wherein the auxiliary authentication module is specifically configured to:

8. The digital wind-controlled early warning system according to claim 7, wherein the risk assessment module is specifically configured to:

9. The digitized intelligent wind-controlled early warning system according to claim 8, wherein the risk assessment module is further specifically configured to:

10. The digitized intelligent wind-controlled early warning system according to any one of claims 6-9, wherein the risk early warning module is specifically configured to: