CN111369340A - Credit assessment credit granting method based on big data - Google Patents
Credit assessment credit granting method based on big data Download PDFInfo
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- CN111369340A CN111369340A CN202010143744.4A CN202010143744A CN111369340A CN 111369340 A CN111369340 A CN 111369340A CN 202010143744 A CN202010143744 A CN 202010143744A CN 111369340 A CN111369340 A CN 111369340A
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- 238000013210 evaluation model Methods 0.000 claims abstract description 7
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a credit assessment credit granting method based on big data, which comprises the following steps: s1, acquiring enterprise information data; s2, establishing an enterprise credit evaluation model, calculating an enterprise credit score based on enterprise information data, and generating an enterprise credit report; s3, the enterprise issues financing requirements, and the financial institution issues credit product information; and S4, matching qualified credit products for the enterprises based on the enterprise credit scores and the financing requirements, and pushing the enterprise information and the enterprise credit reports to the corresponding financial institutions. The invention establishes an enterprise credit evaluation model based on effective utilization of big data, and the enterprise credit returns to the enterprise operation condition, thereby assisting the financial institution to finish pre-credit evaluation credit granting and helping small and medium-sized enterprises to solve the problem of difficult financing and high price of financing.
Description
Technical Field
The invention relates to the field of data analysis, in particular to a credit assessment credit granting method based on big data.
Background
According to the incomplete official statistical data, the national intelligent engineering industry has a market scale of up to 3 trillion every year and an annual growth rate of over 15%, wherein medium and small enterprises occupy nearly 90% of the market share.
The medium and small enterprises often need a large amount of capital investment on engineering projects, and due to the weak self-financing capacity and light assets, the capital shortage, difficult financing and high financing cost become common industrial problems of the medium and small enterprises. For small and medium enterprises, even if the enterprise operation condition is good and a large number of high-quality orders exist, the high-quality orders cannot be converted into financing credits, fixed assets or core enterprise credits are required to be relied on, and the enterprise credits cannot be returned to the enterprise operation condition.
Disclosure of Invention
In order to solve the problems, the invention provides a credit assessment credit granting method based on big data.
The invention adopts the following technical scheme:
a credit assessment credit granting method based on big data comprises the following steps:
s1, acquiring enterprise information data;
s2, establishing an enterprise credit evaluation model, calculating an enterprise credit score based on enterprise information data, and generating an enterprise credit report;
s3, the enterprise issues financing requirements, and the financial institution issues credit product information;
and S4, matching qualified credit products for the enterprises based on the enterprise credit scores and the financing requirements, and pushing the enterprise information and the enterprise credit reports to the corresponding financial institutions.
Preferably, the enterprise information data includes enterprise basic information, industrial and commercial information, business status, qualification certificate, honor certificate, technical personnel, credit information, intellectual property, enterprise yearbook, and winning bid project information.
Preferably, the enterprise credit assessment model is implemented based on a multidimensional system, and the multidimensional system comprises enterprise background, operation conditions, innovation capability, credit history, industry strength and performance.
Preferably, the step S2 further includes generating an enterprise representation based on the multi-dimensional hierarchy.
Preferably, the enterprise credit assessment model assigns values to each dimension based on an assignment method, and different dimensions are assigned with different weights.
After adopting the technical scheme, compared with the background technology, the invention has the following advantages:
the invention establishes an enterprise credit evaluation model based on effective utilization of big data, and the enterprise credit returns to the enterprise operation condition, thereby assisting the financial institution to finish pre-credit evaluation credit granting and helping small and medium-sized enterprises to solve the problem of difficult financing and high price of financing.
Drawings
FIG. 1 is a schematic flow chart of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Examples
Referring to fig. 1, the invention discloses a credit assessment credit granting method based on big data, comprising the following steps:
and S1, acquiring enterprise information data, wherein the enterprise information data comprises enterprise basic information, industry and commerce information, operating state, qualification certificate, honor certificate, technical personnel, credit information, intellectual property, enterprise annual report and bid winning project information.
And S2, establishing an enterprise credit evaluation model, calculating an enterprise credit score based on the enterprise information data, and generating an enterprise credit report and an enterprise portrait. The enterprise credit assessment model is realized based on a multi-dimensional system, and the multi-dimensional system comprises enterprise background, operation condition, innovation capacity, credit history, industry strength and performance condition. The enterprise credit evaluation model assigns values to each dimension based on an assignment method, and different dimensions are assigned with different weights.
S3, the enterprise issues financing requirements, and the financial institution issues credit product information.
And S4, matching qualified credit products for the enterprises based on the enterprise credit scores and the financing requirements, and pushing the enterprise information and the enterprise credit reports to the corresponding financial institutions.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (5)
1. A credit assessment credit granting method based on big data is characterized by comprising the following steps:
s1, acquiring enterprise information data;
s2, establishing an enterprise credit evaluation model, calculating an enterprise credit score based on enterprise information data, and generating an enterprise credit report;
s3, the enterprise issues financing requirements, and the financial institution issues credit product information;
and S4, matching qualified credit products for the enterprises based on the enterprise credit scores and the financing requirements, and pushing the enterprise information and the enterprise credit reports to the corresponding financial institutions.
2. The credit assessment credit granting method based on big data as claimed in claim 1, wherein the enterprise information data comprises enterprise basic information, business status, qualification certificate, honor certificate, technical personnel, credit information, intellectual property, enterprise yearbook, and bid winning project information.
3. The big-data based credit assessment crediting method according to claim 1, wherein: the enterprise credit assessment model is realized based on a multi-dimensional system, and the multi-dimensional system comprises an enterprise background, an operation condition, innovation capacity, credit history, industry strength and performance conditions.
4. The big-data based credit assessment crediting method according to claim 3, wherein: the step S2 also includes generating an enterprise representation based on the multi-dimensional hierarchy.
5. The big-data based credit assessment crediting method according to claim 3, wherein: the enterprise credit assessment model assigns values to each dimension based on an assignment method, and different dimensions are assigned with different weights.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010143744.4A CN111369340A (en) | 2020-03-04 | 2020-03-04 | Credit assessment credit granting method based on big data |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010143744.4A CN111369340A (en) | 2020-03-04 | 2020-03-04 | Credit assessment credit granting method based on big data |
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| Publication Number | Publication Date |
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| CN111369340A true CN111369340A (en) | 2020-07-03 |
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| CN202010143744.4A Pending CN111369340A (en) | 2020-03-04 | 2020-03-04 | Credit assessment credit granting method based on big data |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112882958A (en) * | 2021-03-30 | 2021-06-01 | 中信银行股份有限公司 | Demand quality evaluation method, device, equipment and storage medium based on system credit system |
| CN113487415A (en) * | 2021-07-23 | 2021-10-08 | 浙江金融职业学院 | Credit evaluation and credit granting application system and method based on information data |
| CN114693413A (en) * | 2022-05-30 | 2022-07-01 | 精灵控(南京)智能科技有限公司 | Enterprise silver service management system and method, interface interaction method and storage medium |
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| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
| CN108876134A (en) * | 2018-06-08 | 2018-11-23 | 山东汇贸电子口岸有限公司 | A kind of medium and small micro- enterprise's credit system |
| CN109657894A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | Credit Risk Assessment of Enterprise method for early warning, device, equipment and storage medium |
| CN109934431A (en) * | 2017-12-15 | 2019-06-25 | 上海特易信息科技有限公司 | A kind of credit estimation method and system |
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2020
- 2020-03-04 CN CN202010143744.4A patent/CN111369340A/en active Pending
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| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
| CN109934431A (en) * | 2017-12-15 | 2019-06-25 | 上海特易信息科技有限公司 | A kind of credit estimation method and system |
| CN108876134A (en) * | 2018-06-08 | 2018-11-23 | 山东汇贸电子口岸有限公司 | A kind of medium and small micro- enterprise's credit system |
| KR102047859B1 (en) * | 2018-06-18 | 2019-11-22 | 주식회사 비즈부스터 | Corporate credit rating server based on deep learning and method for corporate credit rating using the same |
| CN109657894A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | Credit Risk Assessment of Enterprise method for early warning, device, equipment and storage medium |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112882958A (en) * | 2021-03-30 | 2021-06-01 | 中信银行股份有限公司 | Demand quality evaluation method, device, equipment and storage medium based on system credit system |
| CN113487415A (en) * | 2021-07-23 | 2021-10-08 | 浙江金融职业学院 | Credit evaluation and credit granting application system and method based on information data |
| CN114693413A (en) * | 2022-05-30 | 2022-07-01 | 精灵控(南京)智能科技有限公司 | Enterprise silver service management system and method, interface interaction method and storage medium |
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Application publication date: 20200703 |