CN111951103A - Bank credit analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting perceptron algorithm - Google Patents
Bank credit analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting perceptron algorithm Download PDFInfo
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- CN111951103A CN111951103A CN202010833419.0A CN202010833419A CN111951103A CN 111951103 A CN111951103 A CN 111951103A CN 202010833419 A CN202010833419 A CN 202010833419A CN 111951103 A CN111951103 A CN 111951103A
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Abstract
At present, the analysis means of the bank to the enterprise financial credit is mainly started from the perspective of the enterprise financial risk. The rule has a good effect in financial enterprises such as banks and the like, but when the rating problem relates to the evaluation of the operation capacity of the enterprises in the industrial production field, hidden dangers exist; for example, industrial production enterprises do not put capital into the industrial development, but instead throw the capital into investment industries such as real estate and the like; in order to avoid the problems of operation and analysis of enterprises, a method for reasonably analyzing the specific production and operation conditions of industrial production enterprises is urgently needed in the market so as to supplement the traditional analysis method based on financial performance; the invention discloses a method for finding potential relation between financial and energy consumption data of an industrial production enterprise and production and operation states by utilizing historical financial and energy consumption data of the enterprise and a perception machine algorithm; when new enterprises in the same industry apply for loans, powerful analysis help is provided for credit granting of financial institutions through the trained sensor model.
Description
Technical Field
The invention relates to the field of energy big data analysis, in particular to a bank credit analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting a perceptron algorithm.
Background
Generally speaking, the business condition of an enterprise is mainly the capacity analysis of the enterprise; traditional capacity analysis is based on data such as account export and production statistics. However, the data has the risk of counterfeiting, and how to select an authoritative and representative parameter as an enterprise operation condition analysis index is an important subject. A series of leading-edge researches at abroad find that the power utilization condition has high positive correlation with economic development. The electricity utilization data can represent the development level of society and enterprises to a great extent. Through a series of research and comparison, the energy consumption data of the enterprises can be considered as an important evaluation index of the enterprise operation condition. Firstly, the energy data are monitored on line in real time, so that the reliability is good, and the problem of counterfeiting is avoided; in addition, the energy consumption data is closely related to the operation condition of the enterprise, and the capacity of the same enterprise in the off season and the high season can be reflected on the energy consumption of the enterprise; enterprises in the rise period can increase production certainly, so that more energy is consumed; enterprises with high technology content generally have higher energy consumption ratio, and waste of resources is reduced.
Disclosure of Invention
The invention has proposed a system and method based on enterprise's financial and newspaper data, energy consumption data, adopt the bank of the algorithm of the perceptron to authorize and analyze, its main application lies in helping the financial institution while loaning to the enterprise, discern and authorize the risk, analyze the potential financial affairs or manage the situation of making fake; the whole process comprises a data collection module, a training data set is established, a historical data training analysis module and an identification report module are utilized, as shown in figure 1, the bank credit granting analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting a perceptron algorithm comprises the data collection module, the energy consumption data is collected through terminal equipment such as an intelligent electric meter, the original enterprise power consumption load data is stored and processed, the data is analyzed, integrated, corrected, a missing value is filled, and standardized processing is carried out; in the aspect of financial data, monthly financial report data of an enterprise are manually input, corrected and stored; establishing a training data set and a model training module, sorting historical financial and energy consumption data of the enterprise which is trusted and finished, manually marking the current-month operation condition, and further performing model training; and finally, in the process of identifying the operation state and reporting, when a new enterprise loan application requirement is generated, the internal relation of historical data of enterprises in the same industry is utilized to provide an auxiliary decision for new credit granting analysis.
Drawings
Fig. 1 is a system module flow chart of bank credit analysis based on enterprise financial and newspaper data and energy consumption data in the embodiment of the present invention.
Detailed Description
In order to make the content, the purpose, the features and the advantages of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to fig. 1 in the embodiments of the present invention, and it is obvious that the embodiments described below are only a part of the embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts belong to the scope of the protection specification of the present invention, and the specific steps of the whole system operation in the embodiments of the present invention are as follows:
step 1, a data collection module: energy consumption data and financial data for institutions that have historically applied loans to financial institutions are collected and stored. The electrical load data may be entered at different frequencies and summed or redistributed to months before entering the analysis, while the financial data is typically in months.
And 2, classifying the credit of each organization through historical record and manual analysis, wherein the credit is good in operation or poor in operation.
And 3, establishing a training data set according to the results of the steps 1 and 2:
wherein
As an example feature vector, in units of months, the energy data includes: electricity, gas, water, etc.; the financial report data comprises: major business income, inventory, capital assets, on-going projects, etc., N is time,
respectively represent: good or bad.
Step 4, establishing a model and a perceptron model
: solving parameters
;
(1) Selecting an initial value
;
(2) Selecting data in a training set
(3) If it is not
:
(4) And (2) turning to the step (2) until no misclassification point exists in the training set.
According to the method, the potential relation between the financial data and the energy consumption data is found by deep analysis and mining of the enterprise energy consumption data and the financial data and adopting a sensor model; when a new loan application is submitted, the historical operating condition classification of the enterprise is obtained through the trained model, and effective data support is provided for bank credit analysis.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (1)
1. The invention relates to a bank credit analysis system and a bank credit analysis method based on enterprise financial and newspaper data and energy consumption data by adopting a perceptron algorithm, which is characterized by comprising the following steps:
step 1, a data collection module: collecting and storing energy consumption data and financial and newspaper data of institutions which have historically applied for loans from financial institutions;
the electricity load data can be recorded by adopting different frequencies, the electricity load data can be summed or redistributed into months before entering the analysis, and the financial report data is generally taken as a unit according to the months;
step 2, classifying the credit of each organization through historical records and manual analysis, wherein the operation is good or poor;
and 3, establishing a training data set according to the results of the steps 1 and 2:
wherein
As an example feature vector, in units of months, the energy data includes: electricity, gas, water, etc.; the financial report data comprises: major business income, inventory, capital assets, on-going projects, etc., N is time,
respectively represent: good or poor operation;
step 4, establishing a model and a perceptron model
: solving parameters
;
(1) Selecting an initial value
;
(2) Selecting data in a training set
(3) If it is not
:
(4) And (2) turning to the step (2) until no misclassification point exists in the training set.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010833419.0A CN111951103A (en) | 2020-08-18 | 2020-08-18 | Bank credit analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting perceptron algorithm |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010833419.0A CN111951103A (en) | 2020-08-18 | 2020-08-18 | Bank credit analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting perceptron algorithm |
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|---|---|
| CN111951103A true CN111951103A (en) | 2020-11-17 |
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| CN202010833419.0A Pending CN111951103A (en) | 2020-08-18 | 2020-08-18 | Bank credit analysis system and method based on enterprise financial and newspaper data and energy consumption data by adopting perceptron algorithm |
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| Country | Link |
|---|---|
| CN (1) | CN111951103A (en) |
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2020
- 2020-08-18 CN CN202010833419.0A patent/CN111951103A/en active Pending
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Application publication date: 20201117 |