CN111709639B - Grading method suitable for heavy machinery manufacturing enterprises of bank system - Google Patents

Abstract

The invention relates to a grading method of a heavy machinery manufacturing enterprise suitable for a bank system, which comprises the following steps: collecting and counting the specified information of the enterprise to be evaluated; extracting character information in the image information; retrieving enterprise information from the cloud according to the information; calling a specified keyword to retrieve the information; determining and verifying the actual owner of the enterprise according to the information; carrying out statistics on enterprise transaction information, and carrying out initial risk rating and initial credit rating on an enterprise; and selecting a period, and carrying out statistics on enterprise transaction information in the period to carry out period risk rating and period credit rating. According to the invention, the enterprise information is counted and processed, risk rating and credit rating are carried out on the enterprise, and the risk coefficient of a bank when the bank transacts business to the enterprise is reduced through the front risk rating.

Description

Grading method suitable for heavy machinery manufacturing enterprises of bank system

Technical Field

The invention relates to the technical field of enterprise credit rating, in particular to a rating method suitable for a bank system heavy machinery manufacturing enterprise.

Background

Credit is the premise and foundation for economic operation of the market. The market economy mainly realizes resource allocation through a market mechanism, and the basic principle of commodity exchange serving as the core content of the market mechanism is equivalent exchange established on the basis of credit. With the sophistication of the exchange relationship, the entire economic campaign is tied up by interconnected, mutually restrictive, credit relationships.

The enterprise credit rating is taken as a complete system and comprises elements and indexes of the credit rating, the grade and standard of the credit rating, the method and the model of the credit rating and the like. At present, because the information asymmetry exists between investors and operators, two problems are caused: the first is reverse selection; the second is ethical risk. One effective way to solve both of these problems is credit rating. The credit rating not only opens up a channel for information gaps of both capital supply and demand parties, so that the capital market is not converged to the condition that the capital intermediary function cannot be exerted due to asymmetric information, a capital demander can obtain required capital to engage in various production and operation activities of the capital demander, the investment of a capital supplier has a target suitable for risk preference of the capital demander, but also the management efficiency of a financial institution is improved, and the overall efficiency of the capital market is enhanced.

However, the rating of the heavy machinery manufacturing industry is performed depending on the business experience of the practitioner and the general company judgment standard for a long time, and a large number of customers cannot be evaluated in a standardized manner, resulting in low rating efficiency for the industry in the field.

Disclosure of Invention

Therefore, the invention provides a rating method of a heavy machinery manufacturing enterprise suitable for a bank system, which is used for solving the problem of low rating efficiency caused by the fact that a large number of heavy machinery manufacturing enterprise customers cannot be subjected to standardized evaluation in the prior art.

To achieve the above object, the present invention provides a method for rating a heavy machinery manufacturing enterprise suitable for a banking system, comprising:

step 1: the information processing module collects and counts the designated information of the enterprise to be evaluated;

step 2: the text recognition module recognizes the information transmitted by the information processing module and extracts character information in the image information;

and step 3: the central control module controls the communication module to retrieve enterprise information from the cloud through the server according to the text information and the image information so as to judge the authenticity of the enterprise;

and 4, step 4: the central control module receives the text information and then calls a specified keyword from the data module, and the central control module uses the keyword to search the text information so as to judge the field of the enterprise;

and 5: the central control module judges and verifies the actual owner of the enterprise according to the image information and the text recognition module collected by the information processing module;

step 6: the central control module controls the communication module to count the transaction information of the enterprise from the cloud end through the server, and initial risk rating and initial credit rating are carried out on the enterprise;

and 7: and the central control module selects a specified period according to the enterprise risk rating and the credit rating, counts the transaction information of the enterprise in the period, and performs the period risk rating and the period credit rating on the enterprise.

Further, the enterprise information received by the information processing module comprises a business license, a house renting certificate and an identity card of an owner of the enterprise; the approach of the enterprise information received by the information processing module comprises scanning paper documents or receiving electronic parts.

Further, in the step 3, when the text recognition module transmits the text information to the central control module, the central control module establishes an enterprise matrix a0(N0, L0, M0, D0, T0) according to the text information, where N0 is an enterprise name, L0 is enterprise address information, M0 is an enterprise unified social credit code, D0 is registration authority information of the enterprise, and T0 is a registration date of the enterprise; after the establishment is completed, the central control module controls the communication module to retrieve from the cloud through the server, and the authenticity of the enterprise is judged according to a retrieval result.

Further, when the central control module judges the authenticity of the enterprise:

step 3-1: the central control module inquires specific enterprise information at the position L0 from the cloud and generates enterprise name information Nl;

step 3-2: the central control module inquires an enterprise name matched with the M0 code from the cloud and generates enterprise name information Nm;

step 3-3: the central control module searches enterprise information corresponding to a registration authority in a specific registration date according to D0 and T0, and generates an enterprise name matrix Nd (Nd1, Nd2, Nd3.. Ndn) according to enterprise names, wherein Nd1 is a first enterprise name registered by the registration authority in the specific date, Nd2 is a second enterprise name registered by the registration authority in the specific date, Nd3 is a third enterprise name registered by the registration authority in the specific date, and Ndn is an nth enterprise name registered by the registration authority in the specific date;

step 3-4: the central control module compares N0 with the names in the Nl, Nm and Nd matrixes in sequence and judges the authenticity of the enterprise according to the comparison result; when N0 is the same as Nl, N0 is the same as Nm, and the nth enterprise name Ndn in the Nd matrix is the same, the central control module judges that the enterprise to be evaluated exists; and when Nl or Nm is different from N0 or the names of all enterprises in the Nd matrix are different from N0, the central control module judges that the enterprise to be evaluated does not exist.

Further, the data module is prestored with a retrieval score S0, and when the text recognition module transmits the text information to the central control module, the central control module retrieves a keyword matrix W0(W1, W2, W3... Wn), where W1 is a first keyword, W2 is a second keyword, W3 is a third keyword, and Wn is an nth keyword, from the data module; when the central control module is used for judging the enterprise field, the central control module uses each keyword in the keyword matrix to sequentially search the text information and generates a search result matrix w0(w1, w2, w3.. wn), wherein w1 is the number of first keywords searched by the central control module, w2 is the number of second keywords searched by the central control module, w3 is the number of third keywords searched by the central control module, and wn is the number of nth keywords searched by the central control module; after the retrieval is finished, the central control module counts the sum w of the number of each keyword,

after the calculation is finished, the central control module calculates a retrieval score S according to w,

where ai is the ith weighting coefficient for the ith number of keywords wi,

after the central control module calculates the value of S, the S0 is called from the data module and S0 are addedAnd (3) row comparison:

when S is less than S0, the central control module judges that the field of the enterprise to be rated does not belong to the rating field, does not perform rating and sends a report;

and when S is larger than or equal to S0, the central control module judges that the field of the enterprise to be rated belongs to the rating field and rates the enterprise.

Further, a preset initial risk rating matrix group Rc (Rc1, Rc2, Rc3, Rc4 and Rc5) is also arranged in the data module; the enterprise business evaluation method comprises the following steps that Rc1 is a first initial risk level matrix, Rc2 is a second initial risk level matrix, Rc3 is a third initial risk level matrix, Rc4 is a fourth initial risk level matrix, and Rc5 is a fifth initial risk level matrix, wherein the level strength of each initial risk level matrix is sequentially increased, and the business handling risk of an enterprise to be evaluated is higher when the initial risk level strength is higher;

for the ith initial credit rating matrix Rci, Rci (eci, hci, Oci), i is 1, 2, 3, 4, 5, where eci is the ith preset personal credit record information, hci is the ith preset personal asset total value, and Oci is the ith preset credit rating of the actual owner of the enterprise at other banks; for eci, ec1 > ec2 > ec3 > ec4 > ec 5; for hci, hc1 > hc2 > hc3 > hc4 > hc 5; for oci, oc1 > oc2 > oc3 > oc4 > oc 5;

when the central control module carries out initial risk rating on an enterprise, the central control module controls the communication module to retrieve specified data of an actual owner of the enterprise to be rated and establishes a credit matrix rc (ec, hc and oc) of the actual owner of the enterprise according to the retrieved data, wherein ec is actual credit record information of the actual owner of the enterprise before evaluation, hc is an actual asset total value of the actual owner of the enterprise before evaluation, and oc is an actual credit rating of the actual owner of the enterprise in other banks before evaluation;

the central control module calls an Rc matrix group from the data module after establishing the Rc matrix, the central control module sequentially extracts Rci matrixes from the Rc matrix group and sequentially compares each numerical value in the Rc matrix with each numerical value in the Rci matrix:

when ec is greater than or equal to ec5, hc is greater than or equal to hc5 and oc is greater than or equal to oc5, the central control module judges the initial risk level of the enterprise to be evaluated to be five;

when ec is equal to or greater than ec4, hc is equal to or greater than hc4 and oc is equal to or greater than oc4, the central control module judges that the initial risk level of the enterprise to be evaluated is four;

when ec is larger than or equal to ec3, hc is larger than or equal to hc3 and oc is larger than or equal to oc3, the central control module judges the initial risk level of the enterprise to be evaluated to be three levels;

when ec is greater than or equal to ec2, hc is greater than or equal to hc2 and oc is greater than or equal to oc2, the central control module judges the initial risk level of the enterprise to be evaluated to be second level;

when ec is larger than or equal to ec1, hc is larger than or equal to hc1 and oc is larger than or equal to oc1, the central control module judges the initial risk level of the enterprise to be evaluated to be one level.

Further, a preset initial credit rating matrix group Rx (Rx1, Rx2, Rx3, Rx4 and Rx5) is arranged in the data module; wherein, Rx1 is a first initial credit level matrix, Rx2 is a second initial credit level matrix, Rx3 is a third initial credit level matrix, Rx4 is a fourth initial credit level matrix, and Rx5 is a fifth initial credit level matrix, wherein the level intensities of the initial credit level matrices are sequentially reduced, and the higher the initial credit level intensity is, the higher the service transaction credit level of the enterprise to be graded is;

for the ith initial credit rating matrix Rxi, Rxi (Exi, Hxi, Gxi, Oxi, Bxi), Exi is preset credit record information for the ith enterprise, Hxi is preset total asset value for the ith enterprise, Gxi is preset economic profit value for the ith enterprise, Oxi is preset credit rating for the ith enterprise at other banks, and Bxi is preset profit fluctuation value for the ith enterprise; for Exi, Ex1 > Ex2 > Ex3 > Ex4 > Ex 5; for Hxi, Hx1 > Hx2 > Hx3 > Hx4 > Hx 5; for Gxi, Gx1 > Gx2 > Gx3 > Gx4 > Gx 5; for Oxi, Ox1 > Ox2 > Ox3 > Ox4 > Ox 5; for Bxi, Bx1 < Bx2 < Bx3 < Bx4 < Bx 5;

when the central control module carries out initial credit rating on an enterprise, the central control module controls the communication module to retrieve specified data of the enterprise to be rated and establishes a credit matrix rx (Ex, Hx, Gx, Ox and Bx) of the enterprise according to the retrieved data, wherein Ex is actual credit record information of the enterprise before rating, Hx is actual asset total value of the enterprise before rating, Gx is actual economic income value of the enterprise before rating, Ox is actual credit rating of the enterprise in other banks before rating, and Bx is actual benefit fluctuation value of the enterprise before rating;

the central control module calls an Rx matrix group from the data module after the Rx matrix is established, the central control module sequentially extracts Rxi matrixes from the Rx matrix group and compares each numerical value in the Rx matrix with each numerical value in the Rxi matrix in sequence:

when Ex is more than or equal to Ex5, Hx is more than or equal to Hx5, Gx is more than or equal to Gx5, Ox is more than or equal to Ox5, and Bx is less than or equal to Bx5, the central control module judges that the initial credit rating of the enterprise to be rated is five grades;

when Ex is more than or equal to Ex4, Hx is more than or equal to Hx4, Gx is more than or equal to Gx4, Ox is more than or equal to Ox4, and Bx is more than or equal to Bx4, the central control module judges that the initial credit rating of the enterprise to be rated is four grades;

when Ex is more than or equal to Ex3, Hx is more than or equal to Hx3, Gx is more than or equal to Gx3, Ox is more than or equal to Ox3, and Bx is less than or equal to Bx3, the central control module judges that the initial credit rating of the enterprise to be rated is three levels;

when Ex is more than or equal to Ex2, Hx is more than or equal to Hx2, Gx is more than or equal to Gx2, Ox is more than or equal to Ox2, and Bx is less than or equal to Bx2, the central control module judges the initial credit level of the enterprise to be rated as two-level;

when Ex is more than or equal to Ex1, Hx is more than or equal to Hx1, Gx is more than or equal to Gx1, Ox is more than or equal to Ox1, and Bx is more than or equal to Bx1, the central control module judges that the initial credit rating of the enterprise to be rated is one level.

Further, a risk rating period matrix fz (fz1, fz2, fz3, fz4 and fz5) and a preset period risk rating matrix group Rz (Rz1, Rz2, Rz3, Rz4 and Rz5) are arranged in the data module; wherein, fz1 is a rating period when the central control module determines that the initial risk level of the enterprise is first level, fz2 is a rating period when the central control module determines that the initial risk level of the enterprise is second level, fz3 is a rating period when the central control module determines that the initial risk level of the enterprise is third level, fz4 is a rating period when the central control module determines that the initial risk level of the enterprise is fourth level, fz5 is a rating period when the central control module determines that the initial risk level of the enterprise is fifth level, and interval duration of each period is increased in sequence; rz1 is a first period risk level matrix, Rz2 is a second period risk level matrix, Rz3 is a third period risk level matrix, Rz4 is a fourth period risk level matrix, and Rz5 is a fifth period risk level matrix, wherein the level strengths of the period risk level matrices are sequentially increased, and the higher the period risk level strength is, the higher the business handling risk of the enterprise to be rated is;

for the ith periodic credit rating matrix rz, rz (ezi, hzi, ozi), i is 1, 2, 3, 4, 5, where ezi is the ith preset personal credit record information, hzi is the ith preset personal asset total value, ozi is the ith preset credit rating of the actual owner of the enterprise at other banks; for ezi, ez1 > ez2 > ez3 > ez4 > ez 5; for hzi, hz1 > hz2 > hz3 > hz4 > hz 5; for ozi, oz1 > oz2 > oz3 > oz4 > oz 5;

when the time length from the last risk rating of the enterprise to be rated reaches an appointed period fzi, the central control module carries out periodic risk rating on the enterprise, the central control module controls the communication module to retrieve appointed data of an actual owner of the enterprise to be rated and establishes a credit matrix rz (ez, hz, oz) of the enterprise according to the retrieved data, wherein the ez is actual credit record information of the actual owner of the enterprise in the appointed rating period, the hz is an actual asset total value of the actual owner of the enterprise in the appointed rating period, and the oz is an actual credit level of other banks in the appointed rating period;

the central control module calls an Rz matrix group from the data module after establishing the Rz matrix, and the central control module sequentially extracts each Rz matrix from the Rz matrix group and sequentially compares each numerical value in the Rz matrix with each numerical value in the Rz matrix:

when ez is more than or equal to ez5, hz is more than or equal to hz5 and oz is more than or equal to oz5, the central control module adjusts the periodic risk level of the enterprise to be evaluated into five levels;

when ez is more than or equal to ez4, hz is more than or equal to hz4 and oz is more than or equal to oz4, the central control module adjusts the periodic risk level of the enterprise to be evaluated to four levels;

when ez is more than or equal to ez3, hz is more than or equal to hz3 and oz is more than or equal to oz3, the central control module adjusts the periodic risk level of the enterprise to be evaluated into three levels;

when ez is more than or equal to ez2, hz is more than or equal to hz2 and oz is more than or equal to oz2, the central control module adjusts the periodic risk level of the enterprise to be evaluated into two levels;

when ez is more than or equal to ez1, hz is more than or equal to hz1 and oz is more than or equal to oz1, the central control module adjusts the periodic risk level of the enterprise to be rated to be one level.

Furthermore, a preset period credit rating matrix group Rq (Rq1, Rq2, Rq3, Rq4 and Rq5) is also arranged in the data module; the method comprises the following steps that Rq1 is a preset first period credit grade matrix, Rq2 is a preset second period credit grade matrix, Rq3 is a preset third period credit grade matrix, Rq4 is a preset fourth period credit grade matrix, and Rq5 is a preset fifth period credit grade matrix, wherein the grade strength of each period credit grade matrix is sequentially reduced, and the higher the period credit grade strength is, the higher the service transaction credit grade of an enterprise to be graded is;

for the ith cycle credit rating matrixes Rqi, Rqi (Eqi, Hqi, Gqi, Oqi, Bqi), Eqi is ith preset credit record information, Hqi is ith preset total asset value, Gqi is ith preset economic profit value, Oqi is ith preset credit rating of other banks, Bqi is ith preset benefit fluctuation value; for Eqi, Eq1 > Eq2 > Eq3 > Eq4 > Eq 5; for Hqi, Hq1 > Hq2 > Hq3 > Hq4 > Hq 5; for Gqi, Gq1 > Gq2 > Gq3 > Gq4 > Gq 5; for Oqi, Oq1 > Oq2 > Oq3 > Oq4 > Oq 5; for Bqi, Bq1 < Bq2 < Bq3 < Bq4 < Bq 5;

when the time length of the enterprise to be rated from the last risk rating reaches an appointed period fzi, the central control module carries out periodic credit rating on the enterprise, the central control module controls the communication module to retrieve appointed data of the enterprise to be rated and establishes a credit matrix rq (Eq, Hq, Gq, Oq and Bq) of the enterprise according to the retrieved data, wherein Eq is actual credit record information of the enterprise in the appointed rating period, Hq is the actual asset total value of the enterprise in the appointed rating period, Gq is the actual economic profit value of the enterprise in the appointed rating period, Oq is the actual credit level of the enterprise in other banks in the appointed rating period, and Bq is the actual benefit fluctuation value of the enterprise in the appointed rating period;

the central control module calls an Rq matrix group from the data module after establishing the Rq matrix, and the central control module sequentially extracts Rqi matrixes from the Rq matrix group and sequentially compares numerical values in the Rq matrix with numerical values in the Rqi matrix:

when Eq is more than or equal to Eq5, Hq is more than or equal to Hq5, Gq is more than or equal to Gq5, Oq is more than or equal to Oq5 and Bq is more than or equal to Bq5, the central control module judges that the periodic credit rating of the enterprise to be rated is five levels;

when Eq is more than or equal to Eq4, Hq is more than or equal to Hq4, Gq is more than or equal to Gq4, Oq is more than or equal to Oq4 and Bq is more than or equal to Bq4, the central control module judges that the periodic credit rating of the enterprise to be rated is four levels;

when Eq is more than or equal to Eq3, Hq is more than or equal to Hq3, Gq is more than or equal to Gq3, Oq is more than or equal to Oq3, and Bq is more than or equal to Bq3, the central control module judges that the periodic credit rating of the enterprise to be rated is three levels;

when Eq is more than or equal to Eq2, Hq is more than or equal to Hq2, Gq is more than or equal to Gq2, Oq is more than or equal to Oq2, and Bq is more than or equal to Bq2, the central control module judges that the periodic credit rating of the enterprise to be rated is two-level;

when Eq is more than or equal to Eq1, Hq is more than or equal to Hq1, Gq is more than or equal to Gq1, Oq is more than or equal to Oq1 and Bq is more than or equal to Bq1, the central control module judges the periodic credit rating of the enterprise to be rated as one level.

Compared with the prior art, the method has the advantages that the collected information is identified and processed by the information processing module and the text identification module, the corresponding enterprise information is obtained from the big data in the server by the communication module, and the enterprise information is retrieved by selecting the appointed keywords through the data module, so that the authenticity of the enterprise and the field to which the enterprise belongs can be rapidly judged, and a large number of enterprises to be evaluated are preliminarily screened. Meanwhile, the collected enterprise information is counted and processed by using the central control module, so that initial risk rating and initial credit rating are sequentially carried out on the enterprise, illegal transactions of the enterprise after business handling can be effectively prevented by setting the risk rating before the credit rating, the risk coefficient of a bank when the bank handles the business of the enterprise is reduced, the credit rating of the enterprise is rapidly judged by the central control module, the rating efficiency of the bank to the enterprise is improved, and the bank can rate a large number of clients of the enterprise in the weight-bearing mechanical manufacturing industry in a short time.

Furthermore, after the enterprise is subjected to initial risk rating and initial credit rating, a rating period can be set according to the initial risk rating and the initial credit rating, when the enterprise is rated for a specified time, the central control module can perform periodic risk rating and periodic credit rating on the enterprise again according to operation data of the enterprise in the period, and selects a corresponding rating period for carrying out rating for multiple times aiming at enterprises with different ratings, so that a bank can adjust the risk level and the credit level of the enterprise according to actual conditions, and the meeting rate of the enterprise to the bank is improved.

Furthermore, the enterprise information received by the information processing module comprises a business license, a rental certificate and an identity document of an enterprise owner of an enterprise, wherein the business license, the rental certificate and the identity document are scanned on paper documents or electronic parts, the information processing module can quickly acquire information required by judgment of the central control module from the documents by receiving the documents, so that the rating efficiency of the method is further improved, and meanwhile, the application range of the method can be widened by acquiring the information through different ways.

Further, the central control module establishes an enterprise matrix a0(N0, L0, M0, D0, T0) according to the information provided by the information processing module and the text recognition module, and simultaneously sequentially generates Nl, Nm, and Nd according to L0, M0, D0, and T0, and compares Nl, Nm, and Nd with N0 in sequence, so as to determine the authenticity of the enterprise in a triple verification manner, thereby improving the screening efficiency of the enterprise.

Furthermore, the central control module calls a keyword matrix W0(W1, W2, W3... Wn) from the data module, searches the enterprise information by using each keyword in the matrix to generate a search result matrix W0(W1, W2, w3... Wn), and generates a W0 matrix and then uses the W0 matrix to search the enterprise information

And

and the fields of the enterprises are judged, so that the screening efficiency of the method is further improved.

Further, when the enterprise is initially rated at risk, the central control module establishes a credit matrix Rc (ec, hc, oc) owned by the enterprise according to the retrieved data, and compares each item of data in the Rc matrix with each matrix in a preset initial risk rating matrix group Rc (Rc1, Rc2, Rc3, Rc4, Rc5) in sequence to obtain an initial risk level of the enterprise, so that the credit and the asset of the owner of the enterprise can be quantified to perform preliminary evaluation on the risk level of the enterprise, and the rating efficiency of the enterprise is improved while the rating precision is ensured.

Further, when the enterprise is initially rated for credit, the central control module establishes a credit matrix rx (Ex, Hx, Gx, Ox, Bx) of the enterprise according to the retrieval data and compares each item of data in the rx matrix with each matrix in a preset initial credit rating matrix group Rxi (Exi, Hxi, Gxi, Oxi, Bxi) in sequence to obtain an initial credit level of the enterprise, so that the credit and the asset of the enterprise can be quantized to perform preliminary evaluation on the credit level of the enterprise, and the rating efficiency of the enterprise is improved while the rating precision is ensured.

Drawings

Fig. 1 is a flow chart illustrating a method for rating a heavy machinery manufacturing enterprise adapted to a banking system according to the present invention.

Detailed Description

In order that the objects and advantages of the invention will be more clearly understood, the invention is further described below with reference to examples; it should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Preferred embodiments of the present invention are described below with reference to the accompanying drawings. It should be understood by those skilled in the art that these embodiments are only for explaining the technical principle of the present invention, and do not limit the scope of the present invention.

It should be noted that in the description of the present invention, the terms of direction or positional relationship indicated by the terms "upper", "lower", "left", "right", "inner", "outer", etc. are based on the directions or positional relationships shown in the drawings, which are only for convenience of description, and do not indicate or imply that the device or element must have a specific orientation, be constructed in a specific orientation, and be operated, and thus, should not be construed as limiting the present invention.

Furthermore, it should be noted that, in the description of the present invention, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, and may be, for example, fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.

Fig. 1 is a flow chart of a rating method for heavy machinery manufacturing enterprises suitable for bank systems according to the present invention. The method comprises the following steps:

step 1: the information processing module collects and counts the designated information of the enterprise to be evaluated;

step 2: the text recognition module recognizes the information transmitted by the information processing module and extracts character information in the image information;

and step 3: the central control module controls the communication module to retrieve enterprise information from the cloud through the server according to the text information and the image information so as to judge the authenticity of the enterprise;

and 4, step 4: the central control module receives the text information and then calls a specified keyword from the data module, and the central control module uses the keyword to search the text information so as to judge the field of the enterprise;

and 5: the central control module judges and verifies the actual owner of the enterprise according to the image information and the text recognition module collected by the information processing module;

step 6: the central control module controls the communication module to count the transaction information of the enterprise from the cloud end through the server, and initial risk rating and initial credit rating are carried out on the enterprise;

and 7: and the central control module selects a specified period according to the enterprise risk rating and the credit rating, counts the transaction information of the enterprise in the period, and performs the period risk rating and the period credit rating on the enterprise.

Specifically, the enterprise information received by the information processing module comprises a business license, a house renting certificate and an identity card of an owner of the enterprise; the approach of the enterprise information received by the information processing module comprises scanning paper documents or receiving electronic parts.

Specifically, in the step 3, when the text recognition module transmits the text information to the central control module, the central control module establishes an enterprise matrix a0(N0, L0, M0, D0, T0) according to the text information, where N0 is an enterprise name, L0 is enterprise address information, M0 is an enterprise unified social credit code, D0 is registration authority information of the enterprise, and T0 is a registration date of the enterprise; after the establishment is completed, the central control module controls the communication module to retrieve from the cloud through the server, and the authenticity of the enterprise is judged according to a retrieval result.

Specifically, when the central control module determines the authenticity of an enterprise:

step 3-1: the central control module inquires specific enterprise information at the position L0 from the cloud and generates enterprise name information N L;

step 3-2: the central control module inquires an enterprise name matched with the M0 code from the cloud and generates enterprise name information Nm;

step 3-3: the central control module searches enterprise information corresponding to a registration authority in a specific registration date according to D0 and T0, and generates an enterprise name matrix Nd (Nd1, Nd2, Nd3.. Ndn) according to enterprise names, wherein Nd1 is a first enterprise name registered by the registration authority in the specific date, Nd2 is a second enterprise name registered by the registration authority in the specific date, Nd3 is a third enterprise name registered by the registration authority in the specific date, and Ndn is an nth enterprise name registered by the registration authority in the specific date;

step 3-4: the central control module compares N0 with the names in the Nl, Nm and Nd matrixes in sequence and judges the authenticity of the enterprise according to the comparison result; when N0 is the same as Nl, N0 is the same as Nm, and the nth enterprise name Ndn in the Nd matrix is the same, the central control module judges that the enterprise to be evaluated exists; and when Nl or Nm is different from N0 or the names of all enterprises in the Nd matrix are different from N0, the central control module judges that the enterprise to be evaluated does not exist.

Specifically, the data module is pre-stored with a retrieval score S0 when the text is the textWhen the recognition module transmits the character information to the central control module, the central control module calls a keyword matrix W0(W1, W2, W3... Wn) from the data module, wherein W1 is a first keyword, W2 is a second keyword, W3 is a third keyword, and Wn is an nth keyword; when the central control module is used for judging the enterprise field, the central control module uses each keyword in the keyword matrix to sequentially search the text information and generates a search result matrix w0(w1, w2, w3.. wn), wherein w1 is the number of first keywords searched by the central control module, w2 is the number of second keywords searched by the central control module, w3 is the number of third keywords searched by the central control module, and wn is the number of nth keywords searched by the central control module; after the retrieval is finished, the central control module counts the sum w of the number of each keyword,

after the calculation is finished, the central control module calculates a retrieval score S according to w,

where ai is the ith weighting coefficient for the ith number of keywords wi,

after the central control module calculates the value of S, calling S0 from the data module and comparing S with S0:

when S is less than S0, the central control module judges that the field of the enterprise to be rated does not belong to the rating field, does not perform rating and sends a report;

and when S is larger than or equal to S0, the central control module judges that the field of the enterprise to be rated belongs to the rating field and rates the enterprise.

Specifically, a preset initial risk rating matrix group Rc (Rc1, Rc2, Rc3, Rc4 and Rc5) is also arranged in the data module; wherein, Rc1 is a first initial risk level matrix, Rc2 is a second initial risk level matrix, Rc3 is a third initial risk level matrix, Rc4 is a fourth initial risk level matrix, and Rc5 is a fifth initial risk level matrix, wherein the level strengths of the initial risk level matrices are sequentially increased, and the higher the initial risk level strength is, the higher the business transaction risk of the enterprise to be ranked is.

For the ith initial credit rating matrix Rci, Rci (eci, hci, Oci), i is 1, 2, 3, 4, 5, where eci is the ith preset personal credit record information, hci is the ith preset personal asset total value, and Oci is the ith preset credit rating of the actual owner of the enterprise at other banks; for eci, ec1 > ec2 > ec3 > ec4 > ec 5; for hci, hc1 > hc2 > hc3 > hc4 > hc 5; for oci, oc1 > oc2 > oc3 > oc4 > oc 5.

When the central control module carries out initial risk rating on the enterprise, the central control module controls the communication module to retrieve specified data of an actual owner of the enterprise to be rated and establishes a credit matrix rc (ec, hc and oc) of the actual owner of the enterprise according to the retrieved data, wherein ec is actual credit record information of the actual owner of the enterprise before evaluation, hc is an actual asset total value of the actual owner of the enterprise before evaluation, and oc is an actual credit rating of the actual owner of the enterprise in other banks before evaluation.

The central control module calls an Rc matrix group from the data module after establishing the Rc matrix, the central control module sequentially extracts Rci matrixes from the Rc matrix group and sequentially compares each numerical value in the Rc matrix with each numerical value in the Rci matrix:

when ec is greater than or equal to ec5, hc is greater than or equal to hc5 and oc is greater than or equal to oc5, the central control module judges the initial risk level of the enterprise to be evaluated to be five;

when ec is equal to or greater than ec4, hc is equal to or greater than hc4 and oc is equal to or greater than oc4, the central control module judges that the initial risk level of the enterprise to be evaluated is four;

when ec is larger than or equal to ec3, hc is larger than or equal to hc3 and oc is larger than or equal to oc3, the central control module judges the initial risk level of the enterprise to be evaluated to be three levels;

when ec is greater than or equal to ec2, hc is greater than or equal to hc2 and oc is greater than or equal to oc2, the central control module judges the initial risk level of the enterprise to be evaluated to be second level;

when ec is larger than or equal to ec1, hc is larger than or equal to hc1 and oc is larger than or equal to oc1, the central control module judges the initial risk level of the enterprise to be evaluated to be one level.

Specifically, a preset initial credit rating matrix group Rx (Rx1, Rx2, Rx3, Rx4 and Rx5) is also arranged in the data module; wherein, Rx1 is a first initial credit level matrix, Rx2 is a second initial credit level matrix, Rx3 is a third initial credit level matrix, Rx4 is a fourth initial credit level matrix, and Rx5 is a fifth initial credit level matrix, wherein the level intensities of the initial credit level matrices are sequentially reduced, and the higher the initial credit level intensity is, the higher the service transaction credit level of the enterprise to be ranked is.

For the ith initial credit rating matrix Rxi, Rxi (Exi, Hxi, Gxi, Oxi, Bxi), Exi is preset credit record information for the ith enterprise, Hxi is preset total asset value for the ith enterprise, Gxi is preset economic profit value for the ith enterprise, Oxi is preset credit rating for the ith enterprise at other banks, and Bxi is preset profit fluctuation value for the ith enterprise; for Exi, Ex1 > Ex2 > Ex3 > Ex4 > Ex 5; for Hxi, Hx1 > Hx2 > Hx3 > Hx4 > Hx 5; for Gxi, Gx1 > Gx2 > Gx3 > Gx4 > Gx 5; for Oxi, Ox1 > Ox2 > Ox3 > Ox4 > Ox 5; for Bxi, Bx1 < Bx2 < Bx3 < Bx4 < Bx 5.

When the central control module carries out initial credit rating on an enterprise, the central control module controls the communication module to retrieve specified data of the enterprise to be rated and establishes a credit matrix rx (Ex, Hx, Gx, Ox and Bx) of the enterprise according to the retrieved data, wherein Ex is actual credit record information of the enterprise before rating, Hx is actual asset total value of the enterprise before rating, Gx is actual economic income value of the enterprise before rating, Ox is actual credit rating of the enterprise at other banks before rating, and Bx is actual benefit fluctuation value of the enterprise before rating.

The central control module calls an Rx matrix group from the data module after the Rx matrix is established, the central control module sequentially extracts Rxi matrixes from the Rx matrix group and compares each numerical value in the Rx matrix with each numerical value in the Rxi matrix in sequence:

when Ex is more than or equal to Ex5, Hx is more than or equal to Hx5, Gx is more than or equal to Gx5, Ox is more than or equal to Ox5, and Bx is less than or equal to Bx5, the central control module judges that the initial credit rating of the enterprise to be rated is five grades;

when Ex is more than or equal to Ex4, Hx is more than or equal to Hx4, Gx is more than or equal to Gx4, Ox is more than or equal to Ox4, and Bx is more than or equal to Bx4, the central control module judges that the initial credit rating of the enterprise to be rated is four grades;

when Ex is more than or equal to Ex3, Hx is more than or equal to Hx3, Gx is more than or equal to Gx3, Ox is more than or equal to Ox3, and Bx is less than or equal to Bx3, the central control module judges that the initial credit rating of the enterprise to be rated is three levels;

when Ex is more than or equal to Ex2, Hx is more than or equal to Hx2, Gx is more than or equal to Gx2, Ox is more than or equal to Ox2, and Bx is less than or equal to Bx2, the central control module judges the initial credit level of the enterprise to be rated as two-level;

when Ex is more than or equal to Ex1, Hx is more than or equal to Hx1, Gx is more than or equal to Gx1, Ox is more than or equal to Ox1, and Bx is more than or equal to Bx1, the central control module judges that the initial credit rating of the enterprise to be rated is one level.

Specifically, a risk rating period matrix fz (fz1, fz2, fz3, fz4 and fz5) and a preset period risk rating matrix group Rz (Rz1, Rz2, Rz3, Rz4 and Rz5) are further arranged in the data module; wherein, fz1 is a rating period when the central control module determines that the initial risk level of the enterprise is first level, fz2 is a rating period when the central control module determines that the initial risk level of the enterprise is second level, fz3 is a rating period when the central control module determines that the initial risk level of the enterprise is third level, fz4 is a rating period when the central control module determines that the initial risk level of the enterprise is fourth level, fz5 is a rating period when the central control module determines that the initial risk level of the enterprise is fifth level, and interval duration of each period is increased in sequence; rz1 is a first period risk level matrix, Rz2 is a second period risk level matrix, Rz3 is a third period risk level matrix, Rz4 is a fourth period risk level matrix, and Rz5 is a fifth period risk level matrix, wherein the level strengths of the period risk level matrices are sequentially increased, and the higher the period risk level strength is, the higher the business handling risk of the enterprise to be rated is.

For the ith periodic credit rating matrix rz, rz (ezi, hzi, ozi), i is 1, 2, 3, 4, 5, where ezi is the ith preset personal credit record information, hzi is the ith preset personal asset total value, ozi is the ith preset credit rating of the actual owner of the enterprise at other banks; for ezi, ez1 > ez2 > ez3 > ez4 > ez 5; for hzi, hz1 > hz2 > hz3 > hz4 > hz 5; for ozi, oz1 > oz2 > oz3 > oz4 > oz 5.

When the time length from the last risk rating of the enterprise to be rated reaches an appointed period fzi, the central control module carries out periodic risk rating on the enterprise, the central control module controls the communication module to retrieve appointed data of an actual owner of the enterprise to be rated and establishes a credit matrix rz (ez, hz, oz) of the enterprise according to the retrieved data, wherein the ez is actual credit record information of the actual owner of the enterprise in the appointed rating period, the hz is an actual asset total value of the actual owner of the enterprise in the appointed rating period, and the oz is an actual credit level of other banks in the appointed rating period.

The central control module calls an Rz matrix group from the data module after establishing the Rz matrix, and the central control module sequentially extracts each Rz matrix from the Rz matrix group and sequentially compares each numerical value in the Rz matrix with each numerical value in the Rz matrix:

when ez is more than or equal to ez5, hz is more than or equal to hz5 and oz is more than or equal to oz5, the central control module adjusts the periodic risk level of the enterprise to be evaluated into five levels;

when ez is more than or equal to ez4, hz is more than or equal to hz4 and oz is more than or equal to oz4, the central control module adjusts the periodic risk level of the enterprise to be evaluated to four levels;

when ez is more than or equal to ez3, hz is more than or equal to hz3 and oz is more than or equal to oz3, the central control module adjusts the periodic risk level of the enterprise to be evaluated into three levels;

when ez is more than or equal to ez2, hz is more than or equal to hz2 and oz is more than or equal to oz2, the central control module adjusts the periodic risk level of the enterprise to be evaluated into two levels;

when ez is more than or equal to ez1, hz is more than or equal to hz1 and oz is more than or equal to oz1, the central control module adjusts the periodic risk level of the enterprise to be rated to be one level.

Specifically, a preset period credit rating matrix group Rq (Rq1, Rq2, Rq3, Rq4 and Rq5) is also arranged in the data module; the method comprises the following steps that Rq1 is a preset first period credit level matrix, Rq2 is a preset second period credit level matrix, Rq3 is a preset third period credit level matrix, Rq4 is a preset fourth period credit level matrix, and Rq5 is a preset fifth period credit level matrix, wherein the level strength of each period credit level matrix is sequentially reduced, and the higher the period credit level strength is, the higher the service transaction credit level of an enterprise to be graded is.

For the ith cycle credit rating matrixes Rqi, Rqi (Eqi, Hqi, Gqi, Oqi, Bqi), Eqi is ith preset credit record information, Hqi is ith preset total asset value, Gqi is ith preset economic profit value, Oqi is ith preset credit rating of other banks, Bqi is ith preset benefit fluctuation value; for Eqi, Eq1 > Eq2 > Eq3 > Eq4 > Eq 5; for Hqi, Hq1 > Hq2 > Hq3 > Hq4 > Hq 5; for Gqi, Gq1 > Gq2 > Gq3 > Gq4 > Gq 5; for Oqi, Oq1 > Oq2 > Oq3 > Oq4 > Oq 5; for Bqi, Bq1 < Bq2 < Bq3 < Bq4 < Bq 5.

When the time length of the enterprise to be rated from the last risk rating reaches an appointed period fzi, the central control module carries out periodic credit rating on the enterprise, the central control module controls the communication module to retrieve appointed data of the enterprise to be rated and establishes a credit matrix rq (Eq, Hq, Gq, Oq and Bq) of the enterprise according to the retrieved data, wherein Eq is actual credit record information of the enterprise in the appointed rating period, Hq is the actual asset total value of the enterprise in the appointed rating period, Gq is the actual economic profit value of the enterprise in the appointed rating period, Oq is the actual credit level of the enterprise in other banks in the appointed rating period, and Bq is the actual benefit fluctuation value of the enterprise in the appointed rating period.

The central control module calls an Rq matrix group from the data module after establishing the Rq matrix, and the central control module sequentially extracts Rqi matrixes from the Rq matrix group and sequentially compares numerical values in the Rq matrix with numerical values in the Rqi matrix:

when Eq is more than or equal to Eq5, Hq is more than or equal to Hq5, Gq is more than or equal to Gq5, Oq is more than or equal to Oq5 and Bq is more than or equal to Bq5, the central control module judges that the periodic credit rating of the enterprise to be rated is five levels;

when Eq is more than or equal to Eq4, Hq is more than or equal to Hq4, Gq is more than or equal to Gq4, Oq is more than or equal to Oq4 and Bq is more than or equal to Bq4, the central control module judges that the periodic credit rating of the enterprise to be rated is four levels;

when Eq is more than or equal to Eq3, Hq is more than or equal to Hq3, Gq is more than or equal to Gq3, Oq is more than or equal to Oq3, and Bq is more than or equal to Bq3, the central control module judges that the periodic credit rating of the enterprise to be rated is three levels;

when Eq is more than or equal to Eq2, Hq is more than or equal to Hq2, Gq is more than or equal to Gq2, Oq is more than or equal to Oq2, and Bq is more than or equal to Bq2, the central control module judges that the periodic credit rating of the enterprise to be rated is two-level;

when Eq is more than or equal to Eq1, Hq is more than or equal to Hq1, Gq is more than or equal to Gq1, Oq is more than or equal to Oq1 and Bq is more than or equal to Bq1, the central control module judges the periodic credit rating of the enterprise to be rated as one level.

So far, the technical solutions of the present invention have been described in connection with the preferred embodiments shown in the drawings, but it is easily understood by those skilled in the art that the scope of the present invention is obviously not limited to these specific embodiments. Equivalent changes or substitutions of related technical features can be made by those skilled in the art without departing from the principle of the invention, and the technical scheme after the changes or substitutions can fall into the protection scope of the invention.

The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention; various modifications and alterations to this invention will become apparent to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (7)

1. A method for rating a heavy machinery manufacturing enterprise adapted for banking systems, comprising:

step 1: the information processing module collects and counts the designated information of the enterprise to be evaluated;

step 2: the text recognition module recognizes the information transmitted by the information processing module and extracts character information in the image information;

and step 3: the central control module controls the communication module to retrieve enterprise information from the cloud through the server according to the text information and the image information so as to judge the authenticity of the enterprise;

and 4, step 4: the central control module receives the text information and then calls a specified keyword from the data module, and the central control module uses the keyword to search the text information so as to judge the field of the enterprise;

and 5: the central control module judges and verifies the actual owner of the enterprise according to the image information and the text recognition module collected by the information processing module;

step 6: the central control module controls the communication module to count the transaction information of the enterprise from the cloud end through the server, and initial risk rating and initial credit rating are carried out on the enterprise;

and 7: the central control module selects a specified period according to the enterprise risk rating and the credit rating, counts the transaction information of the enterprise in the period and performs the period risk rating and the period credit rating on the enterprise;

the data module is prestored with a retrieval score S0, and in step 4, when the text recognition module transmits the text information to the central control module, the central control module retrieves a keyword matrix W0(W1, W2, W3,. once, Wn) from the data module, where W1 is a first keyword, W2 is a second keyword, W3 is a third keyword, Wn is an nth keyword; when the central control module is used for judging the enterprise field, the central control module uses each keyword in the keyword matrix to sequentially search the text information and generates a search result matrix w0(w1, w2, w3,.., wn), wherein w1 is the number of first keywords searched by the central control module, w2 is the number of second keywords searched by the central control module, w3 is the number of third keywords searched by the central control module, and wn is the number of nth keywords searched by the central control module; after the retrieval is finished, the central control module counts the sum w of the number of each keyword,

after the calculation is finished, the central control module calculates a retrieval score S according to w,

where ai is the ith weighting coefficient for the ith number of keywords wi,

after the central control module calculates the value of S, calling S0 from the data module and comparing S with S0:

when S is less than S0, the central control module judges that the field of the enterprise to be rated does not belong to the rating field, does not perform rating and sends a report;

when S is larger than or equal to S0, the central control module judges that the field of the enterprise to be rated belongs to the rating field and rates the enterprise;

when the central control module carries out initial risk rating on an enterprise, the central control module controls the communication module to retrieve specified data of an actual owner of the enterprise to be rated and establishes a credit matrix rc (ec, hc and oc) of the actual owner of the enterprise according to the retrieved data, wherein ec is actual credit record information of the actual owner of the enterprise before evaluation, hc is an actual asset total value of the actual owner of the enterprise before evaluation, and oc is an actual credit rating of the actual owner of the enterprise in other banks before evaluation; a preset initial risk rating matrix group Rc (Rc1, Rc2, Rc3, Rc4 and Rc5) is also arranged in the data module; the enterprise business evaluation method comprises the following steps that Rc1 is a first initial risk level matrix, Rc2 is a second initial risk level matrix, Rc3 is a third initial risk level matrix, Rc4 is a fourth initial risk level matrix, and Rc5 is a fifth initial risk level matrix, wherein the level strength of each initial risk level matrix is sequentially increased, and the business handling risk of an enterprise to be evaluated is higher when the initial risk level strength is higher; for the ith initial credit rating matrix Rci, Rci (eci, hci, oci), i is 1, 2, 3, 4, 5, where eci is the ith preset personal credit record information, hci is the ith preset personal asset total value, and oci is the ith preset credit rating of the actual owner of the enterprise at other banks; for eci, ec1 > ec2 > ec3 > ec4 > ec 5; for hci, hc1 > hc2 > hc3 > hc4 > hc 5; for oci, oc1 > oc2 > oc3 > oc4 > oc 5;

the central control module calls an Rc matrix group from the data module after establishing the Rc matrix, the central control module sequentially extracts Rci matrixes from the Rc matrix group and sequentially compares each numerical value in the Rc matrix with each numerical value in the Rci matrix:

when ec is greater than or equal to ec5, hc is greater than or equal to hc5 and oc is greater than or equal to oc5, the central control module judges the initial risk level of the enterprise to be evaluated to be five;

when ec is equal to or greater than ec4, hc is equal to or greater than hc4 and oc is equal to or greater than oc4, the central control module judges that the initial risk level of the enterprise to be evaluated is four;

when ec is larger than or equal to ec3, hc is larger than or equal to hc3 and oc is larger than or equal to oc3, the central control module judges the initial risk level of the enterprise to be evaluated to be three levels;

when ec is greater than or equal to ec2, hc is greater than or equal to hc2 and oc is greater than or equal to oc2, the central control module judges the initial risk level of the enterprise to be evaluated to be second level;

when ec is larger than or equal to ec1, hc is larger than or equal to hc1 and oc is larger than or equal to oc1, the central control module judges the initial risk level of the enterprise to be evaluated to be one level.

2. The method for grading a heavy machinery manufacturing enterprise with a banking system according to claim 1, wherein the enterprise information received by the information processing module includes a license of the enterprise, a rental housing certificate, and an identity document of an owner of the enterprise; the approach of the enterprise information received by the information processing module comprises scanning paper documents or receiving electronic parts.

3. The method as claimed in claim 1, wherein in the step 3, when the text recognition module transmits the text information to the central control module, the central control module establishes a business matrix a0(N0, L0, M0, D0, T0) according to the text information, wherein N0 is a business name, L0 is business address information, M0 is a business unified social credit code, D0 is information of a registration authority of the business, and T0 is a registration date of the business; after the establishment is completed, the central control module controls the communication module to retrieve from the cloud through the server, and the authenticity of the enterprise is judged according to a retrieval result.

4. The method of grading a heavy machinery manufacturing enterprise for banking systems of claim 3 wherein the central control module, in making the determination of authenticity of the enterprise:

step 3-1: the central control module inquires specific enterprise information at the position L0 from the cloud and generates enterprise name information Nl;

step 3-2: the central control module inquires an enterprise name matched with the M0 code from the cloud and generates enterprise name information Nm;

step 3-3: the central control module searches enterprise information corresponding to a registration authority in a specific registration date according to D0 and T0, and generates an enterprise name matrix Nd (Nd1, Nd2, Nd3, and Ndn) according to enterprise names, wherein Nd1 is a first enterprise name registered by the registration authority in the specific date, Nd2 is a second enterprise name registered by the registration authority in the specific date, Nd3 is a third enterprise name registered by the registration authority in the specific date, and Ndn is an nth enterprise name registered by the registration authority in the specific date;

step 3-4: the central control module compares N0 with the names in the Nl, Nm and Nd matrixes in sequence and judges the authenticity of the enterprise according to the comparison result; when N0 is the same as Nl, N0 is the same as Nm, and the name is the same as the nth enterprise name Ndn in the Nd matrix, the central control module judges that the enterprise to be evaluated exists; and when Nl or Nm is different from N0 or the names of all enterprises in the Nd matrix are different from N0, the central control module judges that the enterprise to be evaluated does not exist.

5. The method of claim 1, wherein the data module further comprises a set of predetermined initial credit rating matrices Rx (Rx1, Rx2, Rx3, Rx4, Rx 5); wherein, Rx1 is a first initial credit level matrix, Rx2 is a second initial credit level matrix, Rx3 is a third initial credit level matrix, Rx4 is a fourth initial credit level matrix, and Rx5 is a fifth initial credit level matrix, wherein the level intensities of the initial credit level matrices are sequentially reduced, and the higher the initial credit level intensity is, the higher the service transaction credit level of the enterprise to be graded is;

for the ith initial credit rating matrix Rxi, Rxi (Exi, Hxi, Gxi, Oxi, Bxi), Exi is preset credit record information for the ith enterprise, Hxi is preset total asset value for the ith enterprise, Gxi is preset economic profit value for the ith enterprise, Oxi is preset credit rating for the ith enterprise at other banks, and Bxi is preset profit fluctuation value for the ith enterprise; for Exi, Ex1 > Ex2 > Ex3 > Ex4 > Ex 5; for Hxi, Hx1 > Hx2 > Hx3 > Hx4 > Hx 5; for Gxi, Gx1 > Gx2 > Gx3 > Gx4 > Gx 5; for Oxi, Ox1 > Ox2 > Ox3 > Ox4 > Ox 5; for Bxi, Bx1 < Bx2 < Bx3 < Bx4 < Bx 5;

when the central control module carries out initial credit rating on an enterprise, the central control module controls the communication module to retrieve specified data of the enterprise to be rated and establishes a credit matrix rx (Ex, Hx, Gx, Ox and Bx) of the enterprise according to the retrieved data, wherein Ex is actual credit record information of the enterprise before rating, Hx is actual asset total value of the enterprise before rating, Gx is actual economic income value of the enterprise before rating, Ox is actual credit rating of the enterprise in other banks before rating, and Bx is actual benefit fluctuation value of the enterprise before rating;

the central control module calls an Rx matrix group from the data module after the Rx matrix is established, the central control module sequentially extracts Rxi matrixes from the Rx matrix group and compares each numerical value in the Rx matrix with each numerical value in the Rxi matrix in sequence:

when Ex is more than or equal to Ex5, Hx is more than or equal to Hx5, Gx is more than or equal to Gx5, Ox is more than or equal to Ox5, and Bx is less than or equal to Bx5, the central control module judges that the initial credit rating of the enterprise to be rated is five grades;

when Ex is more than or equal to Ex4, Hx is more than or equal to Hx4, Gx is more than or equal to Gx4, Ox is more than or equal to Ox4, and Bx is more than or equal to Bx4, the central control module judges that the initial credit rating of the enterprise to be rated is four grades;

when Ex is more than or equal to Ex3, Hx is more than or equal to Hx3, Gx is more than or equal to Gx3, Ox is more than or equal to Ox3, and Bx is less than or equal to Bx3, the central control module judges that the initial credit rating of the enterprise to be rated is three levels;

when Ex is more than or equal to Ex2, Hx is more than or equal to Hx2, Gx is more than or equal to Gx2, Ox is more than or equal to Ox2, and Bx is less than or equal to Bx2, the central control module judges the initial credit level of the enterprise to be rated as two-level;

when Ex is more than or equal to Ex1, Hx is more than or equal to Hx1, Gx is more than or equal to Gx1, Ox is more than or equal to Ox1, and Bx is more than or equal to Bx1, the central control module judges that the initial credit rating of the enterprise to be rated is one level.

6. The method of claim 5, wherein the data module further comprises a risk rating period matrix fz (fz1, fz2, fz3, fz4, fz5) and a preset period risk rating matrix set Rz (Rz1, Rz2, Rz3, Rz4, Rz 5); wherein, fz1 is a rating period when the central control module determines that the initial risk level of the enterprise is first level, fz2 is a rating period when the central control module determines that the initial risk level of the enterprise is second level, fz3 is a rating period when the central control module determines that the initial risk level of the enterprise is third level, fz4 is a rating period when the central control module determines that the initial risk level of the enterprise is fourth level, fz5 is a rating period when the central control module determines that the initial risk level of the enterprise is fifth level, and interval duration of each period is increased in sequence; rz1 is a first period risk level matrix, Rz2 is a second period risk level matrix, Rz3 is a third period risk level matrix, Rz4 is a fourth period risk level matrix, and Rz5 is a fifth period risk level matrix, wherein the level strengths of the period risk level matrices are sequentially increased, and the higher the period risk level strength is, the higher the business handling risk of the enterprise to be rated is;

for the ith periodic credit rating matrix rz, rz (ezi, hzi, ozi), i is 1, 2, 3, 4, 5, where ezi is the ith preset personal credit record information, hzi is the ith preset personal asset total value, ozi is the ith preset credit rating of the actual owner of the enterprise at other banks; for ezi, ez1 > ez2 > ez3 > ez4 > ez 5; for hzi, hz1 > hz2 > hz3 > hz4 > hz 5; for ozi, oz1 > oz2 > oz3 > oz4 > oz 5;

when the time length from the last risk rating of the enterprise to be rated reaches an appointed period fzi, the central control module carries out periodic risk rating on the enterprise, the central control module controls the communication module to retrieve appointed data of an actual owner of the enterprise to be rated and establishes a credit matrix rz (ez, hz, oz) of the enterprise according to the retrieved data, wherein the ez is actual credit record information of the actual owner of the enterprise in the appointed rating period, the hz is an actual asset total value of the actual owner of the enterprise in the appointed rating period, and the oz is an actual credit level of other banks in the appointed rating period;

the central control module calls an Rz matrix group from the data module after establishing the Rz matrix, and the central control module sequentially extracts each Rz matrix from the Rz matrix group and sequentially compares each numerical value in the Rz matrix with each numerical value in the Rz matrix:

when ez is more than or equal to ez5, hz is more than or equal to hz5 and oz is more than or equal to oz5, the central control module adjusts the periodic risk level of the enterprise to be evaluated into five levels;

when ez is more than or equal to ez4, hz is more than or equal to hz4 and oz is more than or equal to oz4, the central control module adjusts the periodic risk level of the enterprise to be evaluated to four levels;

when ez is more than or equal to ez3, hz is more than or equal to hz3 and oz is more than or equal to oz3, the central control module adjusts the periodic risk level of the enterprise to be evaluated into three levels;

when ez is more than or equal to ez2, hz is more than or equal to hz2 and oz is more than or equal to oz2, the central control module adjusts the periodic risk level of the enterprise to be evaluated into two levels;

when ez is more than or equal to ez1, hz is more than or equal to hz1 and oz is more than or equal to oz1, the central control module adjusts the periodic risk level of the enterprise to be rated to be one level.

7. The method of claim 6, wherein the data module further comprises a predetermined periodic credit rating matrix set Rq (Rq1, Rq2, Rq3, Rq4, Rq 5); the method comprises the following steps that Rq1 is a preset first period credit grade matrix, Rq2 is a preset second period credit grade matrix, Rq3 is a preset third period credit grade matrix, Rq4 is a preset fourth period credit grade matrix, and Rq5 is a preset fifth period credit grade matrix, wherein the grade strength of each period credit grade matrix is sequentially reduced, and the higher the period credit grade strength is, the higher the service transaction credit grade of an enterprise to be graded is;

for the ith cycle credit rating matrixes Rqi, Rqi (Eqi, Hqi, Gqi, Oqi, Bqi), Eqi is ith preset credit record information, Hqi is ith preset total asset value, Gqi is ith preset economic profit value, Oqi is ith preset credit rating of other banks, Bqi is ith preset benefit fluctuation value; for Eqi, Eq1 > Eq2 > Eq3 > Eq4 > Eq 5; for Hqi, Hq1 > Hq2 > Hq3 > Hq4 > Hq 5; for Gqi, Gq1 > Gq2 > Gq3 > Gq4 > Gq 5; for Oqi, Oq1 > Oq2 > Oq3 > Oq4 > Oq 5; for Bqi, Bq1 < Bq2 < Bq3 < Bq4 < Bq 5;

when the time length of the enterprise to be rated from the last risk rating reaches an appointed period fzi, the central control module carries out periodic credit rating on the enterprise, the central control module controls the communication module to retrieve appointed data of the enterprise to be rated and establishes a credit matrix rq (Eq, Hq, Gq, Oq and Bq) of the enterprise according to the retrieved data, wherein Eq is actual credit record information of the enterprise in the appointed rating period, Hq is the actual asset total value of the enterprise in the appointed rating period, Gq is the actual economic profit value of the enterprise in the appointed rating period, Oq is the actual credit level of the enterprise in other banks in the appointed rating period, and Bq is the actual benefit fluctuation value of the enterprise in the appointed rating period;

the central control module calls an Rq matrix group from the data module after establishing the Rq matrix, and the central control module sequentially extracts Rqi matrixes from the Rq matrix group and sequentially compares numerical values in the Rq matrix with numerical values in the Rqi matrix:

when Eq is more than or equal to Eq5, Hq is more than or equal to Hq5, Gq is more than or equal to Gq5, Oq is more than or equal to Oq5 and Bq is more than or equal to Bq5, the central control module judges that the periodic credit rating of the enterprise to be rated is five levels;

when Eq is more than or equal to Eq4, Hq is more than or equal to Hq4, Gq is more than or equal to Gq4, Oq is more than or equal to Oq4 and Bq is more than or equal to Bq4, the central control module judges that the periodic credit rating of the enterprise to be rated is four levels;

when Eq is more than or equal to Eq3, Hq is more than or equal to Hq3, Gq is more than or equal to Gq3, Oq is more than or equal to Oq3, and Bq is more than or equal to Bq3, the central control module judges that the periodic credit rating of the enterprise to be rated is three levels;

when Eq is more than or equal to Eq2, Hq is more than or equal to Hq2, Gq is more than or equal to Gq2, Oq is more than or equal to Oq2, and Bq is more than or equal to Bq2, the central control module judges that the periodic credit rating of the enterprise to be rated is two-level;

when Eq is more than or equal to Eq1, Hq is more than or equal to Hq1, Gq is more than or equal to Gq1, Oq is more than or equal to Oq1 and Bq is more than or equal to Bq1, the central control module judges the periodic credit rating of the enterprise to be rated as one level.

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