CN111444288A - Enterprise credit evaluation system based on big data analysis - Google Patents
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Abstract
The invention discloses an enterprise credit evaluation system based on big data analysis, which comprises a data storage module, a relation analysis module and an information scoring module and is characterized in that the data storage module classifies and processes collected information, the data storage module comprises an official information source, a bank information source, a client information source, a staff information source, a media information source and an operation information source, the information collected by the official information source is violation information and quality supervision information of an enterprise, the information collected by the bank information source is loan information and flow information, and the information collected by the client information source is an individual client and an enterprise client. The invention helps enterprises to know the product, credit and technical conditions of the other side and helps individuals to know the culture of the enterprises, thereby greatly promoting the business cooperation of the enterprises and the personal job entry, reducing the troubles caused by information inconsistency, promoting the better development of the enterprises and the individuals and bringing power to the flow of social financial, manpower and technical resources.
Description
Technical Field
The invention relates to the technical field of big data analysis, in particular to an enterprise credit evaluation system based on big data analysis.
Background
Big data analysis refers to the analysis of data on a huge scale. Big data can be summarized as 5V, large data Volume (Volume), fast speed (Velocity), type multiple (Variety), Value (Value), and authenticity (Veracity). Big data is used as the vocabulary of the IT industry which is the most fiery at present, and the utilization of the commercial value of the big data, such as data warehouse, data security, data analysis, data mining and the like, becomes the profit focus which is pursued by the industry people gradually. With the advent of the big data age, big data analysis also arose.
Currently, people pay more and more attention to credit, small to personal credit, and large to enterprise and national credit, however, if there is no measurement standard, people have difficulty in obtaining accurate credit information in more and more complicated network and large information era, for example, when business cooperation is performed between enterprises and the other party, when the credit evaluation of the other party is not clear, it is difficult to make a decision of cooperation, which brings great trouble to the development of enterprises, and because of the complexity of data, it is difficult to obtain accurate wanted information in massive data, which makes the consideration of target credit for individuals and enterprises difficult to grasp, so we propose an enterprise credit evaluation system based on large data analysis.
Disclosure of Invention
The invention aims to solve the defects in the prior art, and provides an enterprise credit evaluation system based on big data analysis.
In order to achieve the purpose, the invention adopts the following technical scheme:
an enterprise credit evaluation system based on big data analysis comprises a data storage module, a relation analysis module and an information scoring module, wherein the data storage module is used for classifying and processing collected information, the data storage module comprises an official information source, a bank information source, a client information source, an employee information source, a media information source and an operation information source, the information collected by the official information source is violation information and quality supervision information of an enterprise, the information collected by the bank information source is loan information and flow information, the information collected by the client information source is an individual client and an enterprise client, the information collected by the employee information source is access and questionnaire survey of employees, the information collected by the media information source is report information and network spread information of media, and the information collected by the operation information source is information of the enterprise in daily operation, the relation analysis module comprises a trade relation analysis sub-module, a financial relation analysis sub-module, an entity relation analysis sub-module and a business relation analysis sub-module, the data storage module collects enterprise big data, the collected data are classified and analyzed and evaluated through the relation analysis module, the information scoring module scores the data analyzed by the relation analysis module finally, and a credit evaluation standard of the enterprise is obtained, the relation analysis module comprises a data storage, a data comparator and a weight calculator, the data storage stores the collected data, the stored data are input into the data comparator, the data are calculated through the data comparator, and compared data parameters are calculated through the weight calculator, so that an analysis conclusion of the data is obtained.
Preferably, the violation information and the quality supervision information are official message records authorized and obtained by an official, and enterprise product production license information and enterprise standard product information can be obtained.
Preferably, the borrowing and lending information and the running information are obtained through bank authorization, and the enterprise specific borrowing, loan and fund running are obtained.
Preferably, the customer information source mainly comes from customer evaluation information, performance evaluation information between enterprises and staff evaluation information.
Preferably, the operation information source mainly comes from financial information, tax payment information, social security information, water consumption information and electricity utilization information published by enterprises.
Preferably, the trade relation analysis submodule is used for comprehensively analyzing the internal trade record, the external trade record and the purchase record of the enterprise.
Preferably, the financial relationship analysis submodule is used for comprehensively analyzing the financing record, the investment record, the loan record and the credit granting record of the enterprise.
Preferably, the entity relationship analysis submodule is used for carrying out comprehensive analysis on asset statistics, asset positioning, asset supervision and production operation.
Preferably, the business relationship analysis submodule is used for performing comprehensive analysis on supply chain relationships, cooperation relationships and technical relationships.
The data are collected, classified and summarized through the data storage module, the relation analysis module and the information grading module, specific target information is finally obtained, the user is helped to obtain needed information from massive information, the collected target information greatly reduces the workload of the user, the enterprise is helped to know the product, credit standing and technical conditions of the other party, and the individual is helped to know the culture of the enterprise and the degree of treating staff, so that the business cooperation of the enterprise and the personal employment are greatly promoted, the trouble caused by information inconsistency is reduced, the better development of the enterprise and the individual is promoted, and the power is brought to the flow of social finance, manpower and technical resources.
Drawings
Fig. 1 is a schematic view of a flow structure of an enterprise credit evaluation system based on big data analysis according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments.
Referring to fig. 1, an enterprise credit evaluation system based on big data analysis includes a data storage module, a relationship analysis module and an information scoring module, the data storage module classifies collected information, the data storage module includes an official information source, a bank information source, a client information source, a staff information source, a media information source and an operation information source, the information collected by the official information source is violation information and quality supervision information of an enterprise, the information collected by the bank information source is loan information and flow information, the information collected by the client information source is an individual client and an enterprise client, the information collected by the staff information source is access and questionnaire survey of staff, the information collected by the media information source is report information of media and information of network propagation, the information collected by the operation information source is information of the enterprise during daily operation, the relation analysis module comprises a trade relation analysis sub-module, a financial relation analysis sub-module, an entity relation analysis sub-module and a business relation analysis sub-module, the data storage module collects enterprise big data, the collected data are classified and analyzed and evaluated through the relation analysis module, the information scoring module scores the data analyzed by the relation analysis module finally, and a credit evaluation standard of the enterprise is obtained, the relation analysis module comprises a data storage, a data comparator and a weight calculator, the data storage stores the collected data, the stored data are input into the data comparator, the data are calculated through the data comparator, and compared data parameters are calculated through the weight calculator, so that an analysis conclusion of the data is obtained.
In this embodiment, the violation information and the quality supervision information are official message records authorized and obtained by an official, and enterprise product production license information and enterprise standard product information can be obtained.
In this embodiment, the borrowing and lending information and the pipelining information are obtained through bank authorization, and the specific borrowing and lending of the enterprise and the fund pipelining of the enterprise are obtained.
In this embodiment, the customer information source mainly comes from consumer evaluation information, performance evaluation information between enterprises, and employee evaluation information.
In this embodiment, the operation information source mainly comes from financial information, tax payment information, social security information, water consumption information, and electricity consumption information published by an enterprise.
In this embodiment, the trade relationship analysis submodule is configured to perform comprehensive analysis on the trade record, the foreign trade record, and the purchase record of the enterprise.
In this embodiment, the financial relationship analysis sub-module is configured to perform comprehensive analysis on the financing record, the investment record, the loan record, and the credit granting record of the enterprise.
In this embodiment, the entity relationship analysis submodule is used for performing comprehensive analysis on asset statistics, asset positioning, asset supervision, and production operation.
In this embodiment, the business relationship analysis submodule is used for performing comprehensive analysis on the supply chain relationship, the cooperation relationship and the technical relationship.
The specific embodiment is as follows: the data storage module collects big data and classifies and summarizes the big data from six information sources, namely an official information source, a bank information source, a client information source, an employee information source, a media information source and an operation information source, wherein the official information source can know violation information and quality supervision information of an enterprise, and the official information source is communicated with an official part of the location of the enterprise to obtain official information records of official authorization acquisition, so that enterprise product production license information and enterprise standard product information can be obtained, the bank information source can know borrowing and lending information and flow information of the enterprise, the official part and a bank are communicated and obtain related authorization, so that specific borrowing, loan and fund flow of the enterprise can be obtained, the client information source can know the evaluation of the enterprise by employees and the acceptance of the products of the enterprise by users, and the degree of performance can be known among cooperative enterprises, the method comprises the steps of knowing the evaluation of the enterprise in the local and the society from a media information source, mainly knowing financial information, tax payment information, social security information, water consumption information and electricity consumption information from an operation information source so as to judge the development degree of the enterprise, further knowing trade relationship, financial relationship, entity relationship and business relationship of the enterprise so as to enable a user to know the economic strength, technical strength and integrity of the enterprise, and finally giving a comprehensive score and a small score of the enterprise through an information scoring module to the messages so as to bring detailed reference to the user.
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 person skilled in the art should be considered to be within the technical scope of the present invention, and the technical solutions and the inventive concepts thereof according to the present invention should be equivalent or changed within the scope of the present invention.
Claims (9)
1. An enterprise credit evaluation system based on big data analysis is characterized by comprising a data storage module, a relation analysis module and an information scoring module, wherein the data storage module classifies and processes collected information, the data storage module comprises an official information source, a bank information source, a client information source, a staff information source, a media information source and an operation information source, the information collected by the official information source is violation information and quality supervision information of an enterprise, the information collected by the bank information source is loan information and flow information, the information collected by the client information source is an individual client and an enterprise client, the information collected by the staff information source is access and questionnaire survey on staff, the information collected by the media information source is report information and network transmission information, and the information collected by the operation information source is information of the enterprise during daily operation, the relation analysis module comprises a trade relation analysis sub-module, a financial relation analysis sub-module, an entity relation analysis sub-module and a business relation analysis sub-module, the data storage module collects enterprise big data, the collected data are classified and analyzed and evaluated through the relation analysis module, the information scoring module scores the data analyzed by the relation analysis module finally, and a credit evaluation standard of the enterprise is obtained, the relation analysis module comprises a data storage, a data comparator and a weight calculator, the data storage stores the collected data, the stored data are input into the data comparator, the data are calculated through the data comparator, and compared data parameters are calculated through the weight calculator, so that an analysis conclusion of the data is obtained.
2. The enterprise credit evaluation system based on big data analysis as claimed in claim 1, wherein the violation information and quality control information are official message records authorized by the official to obtain enterprise product production license information and enterprise standard product information.
3. The enterprise credit evaluation system based on big data analysis as claimed in claim 1, wherein the borrowing information and the pipelining information are obtained by bank authorization for enterprise-specific borrowing, loan and enterprise fund pipelining.
4. The enterprise credit evaluation system based on big data analysis as claimed in claim 1, wherein the customer information sources are mainly from consumer evaluation information, inter-enterprise performance evaluation information and employee evaluation information.
5. The enterprise credit evaluation system based on big data analysis as claimed in claim 1, wherein the operation information sources are mainly from financial information, tax payment information, social security information, water consumption information and electricity consumption information published by enterprises.
6. The enterprise credit evaluation system based on big data analysis of claim 1, wherein the trade relation analysis submodule is used for performing comprehensive analysis on the internal trade record, the external trade record and the purchase record of the enterprise.
7. The enterprise credit evaluation system based on big data analysis of claim 1, wherein the financial relationship analysis sub-module is used for performing comprehensive analysis on the financing record, investment record, loan record and credit record of the enterprise.
8. The enterprise credit evaluation system based on big data analysis of claim 1, wherein the entity relationship analysis submodule is used for comprehensive analysis of asset statistics, asset location, asset supervision and production operation.
9. The big-data-analysis-based enterprise credit evaluation system of claim 1, wherein the business relationship analysis submodule is configured to perform comprehensive analysis on supply chain relationships, partnership relationships and technical relationships.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111949709A (en) * | 2020-08-12 | 2020-11-17 | 山东建筑大学 | Intelligent enterprise information processing method based on big data |
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| CN101667266A (en) * | 2008-09-03 | 2010-03-10 | 山东征信信用管理咨询有限公司 | Credit rating management consultation system |
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Inventor after: Zhang Hongyuan Inventor after: Xiang Hui Inventor after: Zhang Yichun Inventor after: Zhang Yongli Inventor after: Lu Yan Inventor after: Zhang Jing Inventor after: Cai Pengfei Inventor after: Yang Qingzhuo Inventor after: Li Haolan Inventor before: Zhang Yongli Inventor before: Xiang Hui Inventor before: Zhang Yichun Inventor before: Zhang Hongyuan Inventor before: Lu Yan Inventor before: Zhang Jing Inventor before: Cai Pengfei Inventor before: Yang Qingzhuo Inventor before: Li Haolan |
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