CN111966905A - Project early warning method and device - Google Patents

Project early warning method and device Download PDF

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CN111966905A
CN111966905A CN202010837500.6A CN202010837500A CN111966905A CN 111966905 A CN111966905 A CN 111966905A CN 202010837500 A CN202010837500 A CN 202010837500A CN 111966905 A CN111966905 A CN 111966905A
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level
item
data
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overdue
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沈娉婷
孟庆锴
关兆彧
朱展宏
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Avic Trust Co ltd
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Abstract

The invention discloses a project early warning method and a device, wherein the method comprises the following steps: determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed; determining an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level. According to the method, in the process of determining the early warning level of the report to be analyzed, not only are external public sentiment data added to qualitative data as an analysis index, but also overdue data are added to qualitative data as a quantitative analysis index, and meanwhile, the early warning level of the item to be analyzed is determined based on the quantitative index and the qualitative index.

Description

Project early warning method and device
Technical Field
The invention relates to the technical field of data processing, in particular to a project early warning method and device.
Background
The project has various risks in the execution process, in order to ensure the smooth execution of the project, the project needs to be subjected to early warning analysis, taking a trust project as an example, the trust is a credit commission, the trust project is a trust project, the trust project is a trust subject (a natural person or a legal person) who transfers property rights to the trust subject for the benefit of the trust subject or a third person (a beneficiary) according to the stipulation of a contract or a testimony, and the trust subject occupies, manages and uses the trust property according to the stipulation condition and range and processes the income.
In order to guarantee the rights and interests of clients, risk early warning needs to be carried out on a trust project, in the prior art, the judgment of the trust project on the risk early warning of the trust project in the trust industry depends on qualitative data such as a project report and a financial report, early warning analysis results are obtained by manually analyzing the qualitative data through professionals, and the accuracy of the early warning analysis results is low due to the fact that the trust projects are numerous, the qualitative data are complicated and dispersed.
Disclosure of Invention
In view of the above, the present invention provides a project early warning method and apparatus, so as to solve the problem in the prior art that the determination of the risk early warning for the project in the trust industry depends on qualitative data such as a project report and a financial report, and the qualitative data is analyzed manually by a professional to obtain an early warning analysis result, which results in low accuracy of the early warning analysis result due to numerous projects and complicated and dispersed qualitative data. The specific scheme is as follows:
a method of project early warning, comprising:
determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed;
determining an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level.
The method optionally determines the overdue level based on overdue data of the item to be analyzed, and includes:
acquiring overdue data of the item to be analyzed, wherein the overdue data comprises: historical overdue data and/or current overdue data;
acquiring an actual repayment date and an actual repayment amount in the overdue data;
comparing the actual payment date and the actual payment amount with a predicted payment date and a predicted payment amount;
and determining the overdue level of the item to be analyzed according to the comparison result.
Optionally, the method for obtaining the item level determined based on the item data of the item to be analyzed includes:
acquiring project data of the project to be analyzed, wherein the project data is acquired in an online recording mode;
and displaying the project data and acquiring the project level fed back based on the project data.
The method optionally includes determining a public opinion level based on external public opinion data of the item to be analyzed, where the determining includes:
acquiring enterprise identifications of enterprises in the project to be analyzed;
acquiring external public opinion data of each enterprise based on the enterprise identification;
and comparing the external public opinion data with a preset public opinion level comparison table to determine the public opinion level of the item to be analyzed, wherein the public opinion level comparison table stores the corresponding relation between the public opinion data and the public opinion level.
Optionally, the determining the early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level includes:
assigning weights to the overdue level, the project level, and the public opinion level;
and determining the early warning level of the item to be analyzed based on a preset item early warning level model according to the overdue level, the item level, the public sentiment level and the corresponding weight.
The above method, optionally, further includes:
adjusting the item to be analyzed based on the early warning level;
and carrying out early warning analysis again based on the adjusted items to be analyzed.
An item early warning device, comprising:
the acquisition and determination module is used for determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed;
and the determining module is used for determining the early warning level of the item to be analyzed based on the overdue level, the item level and the public opinion level.
Optionally, the determining, by the obtaining and determining module, an overdue level based on overdue data of the item to be analyzed includes:
a first data obtaining unit, configured to obtain overdue data of the item to be analyzed, where the overdue data includes: historical overdue data and/or current overdue data;
the date and amount acquisition unit is used for acquiring an actual repayment date and an actual repayment amount in the overdue data;
a comparison unit for comparing the actual repayment date and the actual repayment amount with a predicted repayment date and a predicted repayment amount;
and the first determining unit is used for determining the overdue level of the item to be analyzed according to the comparison result.
Optionally, the above apparatus, where the obtaining and determining module determines the public opinion level based on the external public opinion data of the item to be analyzed, includes:
the identification acquisition unit is used for acquiring enterprise identifications of enterprises in the project to be analyzed;
the second data acquisition unit is used for acquiring the external public opinion data of each enterprise based on the enterprise identification;
and the second determination unit is used for comparing the external public opinion data with a preset public opinion level comparison table to determine the public opinion level of the item to be analyzed, wherein the public opinion level comparison table stores the corresponding relation between the public opinion data and the public opinion level.
The above apparatus, optionally, the determining module includes:
an assigning unit, configured to assign weights to the overdue level, the item level, and the public opinion level;
and the third determining unit is used for determining the early warning level of the item to be analyzed based on a preset item early warning level model according to the overdue level, the item level, the public sentiment level and the corresponding weight.
Compared with the prior art, the invention has the following advantages:
the invention discloses a project early warning method and a device, wherein the method comprises the following steps: determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed; determining an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level. According to the method, in the process of determining the early warning level of the report to be analyzed, not only are external public sentiment data added to qualitative data as an analysis index, but also overdue data are added to qualitative data as a quantitative analysis index, and meanwhile, the early warning level of the item to be analyzed is determined based on the quantitative index and the qualitative index.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a project early warning method disclosed in an embodiment of the present application;
fig. 2 is another flowchart of a project early warning method disclosed in the embodiment of the present application;
fig. 3 is another flowchart of a project early warning method disclosed in the embodiment of the present application;
fig. 4 is a block diagram of a project early-warning device disclosed in the prior art.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The invention discloses a method and a device for early warning and analyzing a project, which are applied to the process of early warning the project, wherein in the embodiment of the invention, a trust project is taken as an example for illustration, but the specific existing form of the project is not limited, from the angle of company project operation, the judgment of risk early warning of the trust project in the trust industry depends on qualitative data such as a project report and a financial report, and the qualitative data is manually analyzed by professionals to obtain an early warning and analyzing result, so that the early warning and analyzing result has low accuracy due to numerous projects and complicated and dispersed qualitative data, and the workers cannot accurately know the risk of the trust project, and based on the problems, the invention simultaneously performs early warning and analyzing on the trust project based on the qualitative data and the quantitative data to improve the accuracy of the early warning and analyzing result, the execution flow of the analyzing method is shown in figure 1, the method comprises the following steps:
s101, determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public sentiment level based on external public sentiment data of the item to be analyzed;
in the embodiment of the present invention, there is no precedence relationship in the process of determining the overdue level, the item level, and the public sentiment level, and the overdue level, the item level, and the public sentiment level may be executed simultaneously or sequentially, and the precedence of sequential execution may be arbitrarily selected. Wherein the overdue data refers to negative/positive public information generated by a trading partner company, and the item data comprises: preferably, in an embodiment of the present invention, the project management report and the financial report are supported to be input online, the external public opinion data refers to external data sources such as a wind report, and the external public opinion data includes: news public opinion, administrative penalty, equity dividend and the like, respectively determining an overdue level of a trust item to be analyzed based on the overdue data, determining an item level of the item to be analyzed based on the item data, and determining a public opinion level of the item to be analyzed based on the external public opinion data, wherein the overdue level, the item level and the public opinion level can be I level, II level and III level or red orange yellow level and the like.
S102, determining the early warning level of the item to be analyzed based on the overdue level, the item level and the public opinion level.
In the embodiment of the invention, weights are firstly distributed to the overdue level, the item level and the public sentiment level, wherein the distribution principle of the weights can be set based on experience or specific conditions.
In the embodiment of the present invention, the overdue level, the item level, and the public opinion level may be all present or may be partially present, for example, the item to be analyzed includes a public opinion level and an overdue level, and for the public opinion level, as a counterparty of litigation, the public opinion level is identified as a public opinion risk factor of "litigation declaration", and the corresponding public opinion level and weight are determined, for example, the weight is 3%; for an overdue level, if a real overdue occurs for a certain counterparty, the overdue level may be quantified by the number of overdues and the amount, e.g., assuming a weight of 2%, the overdue level is determined based on a weight 2% times amount adjustment factor (less than 10W, adjustment factor of 1; greater than 10W and less than 100W, adjustment factor of 3; greater than 100W, adjustment factor of 5).
And carrying out early warning prompt aiming at the early warning level, wherein the early warning prompt can be an adjustment suggestion or other early warning prompts and the like for suggesting the item to be analyzed, and the specific existence form of the early warning prompt is not limited in the embodiment of the invention. And setting a disposal method for the to-be-analyzed item by related personnel based on the early warning prompt, adjusting the to-be-analyzed item based on the disposal method, and carrying out early warning analysis again based on the adjusted to-be-analyzed item until the to-be-analyzed early warning item has no early warning prompt or is within an early warning level range allowed by a user.
The invention discloses a project early warning method, which comprises the following steps: determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed; determining an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level. According to the method, in the process of determining the early warning level of the report to be analyzed, not only are external public sentiment data added to qualitative data as an analysis index, but also overdue data are added to qualitative data as a quantitative analysis index, and meanwhile, the early warning level of the item to be analyzed is determined based on the quantitative index and the qualitative index.
In the embodiment of the present invention, an execution process for determining an overdue level based on overdue data of an item to be analyzed is shown in fig. 2, and includes the steps of:
s201, obtaining overdue data of the item to be analyzed, wherein the overdue data comprises: historical overdue data and/or current overdue data;
in the embodiment of the invention, the overdue data is acquired through a preset interface, the preset interface is connected with an internal system of a company to which the project to be analyzed belongs, each enterprise related to the project to be analyzed is acquired, overdue data related to each enterprise is acquired based on enterprise identification of each enterprise, and each enterprise is pre-selected to be associated with the overdue data based on the enterprise identification. Preferably, the enterprise identifier may be a social unified credit code or other preferred identifiers of an enterprise, a specific existence form of the enterprise identifier is not limited in the embodiment of the present invention, and the overdue data includes: historical overdue data and/or current overdue data.
S202, acquiring an actual payment date and an actual payment amount in the overdue data;
in the embodiment of the present invention, the actual repayment date and the actual repayment amount in the overdue data are acquired in a manner of being at a designated position or a preset character in the expected data.
S203, comparing the actual repayment date and the actual repayment amount with a predicted repayment date and a predicted repayment amount;
in the embodiment of the invention, the actual repayment date and the actual repayment amount are compared with the expected repayment date and the expected repayment amount, and whether the historical overdue is exceeded or not is judged firstly, wherein the historical overdue refers to whether overdue data are generated before the current date or not, and the overdue data comprise: and if yes, judging whether the historical overdue is clear, and if not, judging whether the overdue is overdue.
And S204, determining the overdue level of the item to be analyzed according to the comparison result.
In an embodiment of the present invention, the overdue level of the item to be analyzed is determined according to a comparison result, wherein preferably, the comparison result includes:
(1) the first overdue release delay period is not solved
(2) The first overdue release period is solved
(3) The first overdue release period is not yet solved
(4) The delay period is not solved
(5) The history overdue is cleared and is solved in the release delay period
(6) The history overdue is cleared and the release period is solved
(7) The delay period of the release is not solved
(8) The historical overdue is not clear and is solved in the slow release period
(9) The historical overdue is not clear and the release period is not over
(10) The normal repayment is not settled after the history
In the above comparison results, (1), (5), (6), (8), (9) and (10) are orange in color with the scale thereof, (2) and (3) are expected to be yellow in color, and (4) and (7) are expected to be red in color, and the rest are normal data.
In the embodiment of the invention, in the running process of a project, the running condition needs to be described regularly in a report form, so that a worker can conveniently and timely perform professional judgment on the project progress, meanwhile, regular report data also provides data support for an early warning model, and a financial statement of a counterparty of a transaction also serves as project early warning reference information; according to the scheme, from the data management perspective, report information in the whole operation process of the arrangement project is collected, and different auditing nodes are arranged to ensure the accuracy of data and the controllability of operation risks.
The data in the project report is divided into structured data and unstructured data, the structured data are taken from external system data and are automatically generated without manual input of a user, the unstructured data are divided into two parts, one part needs to be described by the user according to the actual operation condition of the project and is manually input, and the other part is converted and divided into a plurality of structured data through calling internal systems of companies such as TCMP or AM and the like and is displayed in the project management report.
The basic information of the project in the project management report is automatically generated by a system, the data source is a business system trust business management platform, an asset maintenance system and the like of the current company, the change items in the period show the change information of the project in the operation process and are displayed to the user as risk prompts, the information is stored in the trust business management platform in a message leaving mode, and the system extracts the information related to the project change condition in the message leaving mode through keyword extraction, such as the information of replacement of the offset pledge, the financial change of a trading opponent and the like and displays the information one by one according to the time sequence.
Further aiming at the financial statement, the detailed financial statement content is manually input or obtained from external data sources such as a financial exchange and the like, and the financial index calculation formula is designed through a background, so that the detailed financial statement content is graphically displayed at the front end. And displaying the liability rate, the net interest rate and the like calculated by the background, displaying the distribution condition and the percentage of the assets in the current period through an annular diagram, displaying the distribution of net cash flow through a bar chart, and displaying a trend diagram of the variation of the assets, the business income and the net profit through a curve chart.
In the embodiment of the present invention, an execution flow for obtaining a project level determined based on project data of the project to be analyzed is as follows: the method comprises the steps of firstly obtaining project data of a project to be analyzed, wherein the project data are obtained through an online input mode, the project data are obtained based on a report management mode, the report management mainly comprises the steps of integrating and displaying the project data of different channels after data management through information integration, associating the project data with early warning information, accurately positioning the early warning data in a specific stage of a specific project, and meanwhile reversely feeding the project qualitative data provided for a preset project early warning level model, so that the virtuous circle of information is achieved, and the utilization rate of the data is increased. In the implementation of the embodiment:
project report chunking: part of the fixed data is generated by the system, and part of the data is manually filled by the initiator; and the differentiated management of the structured data and the unstructured data is facilitated.
Early warning information during prompting in project report: and adding a project overdue data and public opinion information display module into the report.
The checking and manual filling entry of the financial statement is provided, the connection between the regular project report and the trader financial statement is opened, and the trader financial conditions at different times are dynamically displayed.
And obtaining the project level based on the project level of the project to be analyzed fed back by the related personnel of the project data.
In the embodiment of the present invention, an execution flow for determining a public sentiment level based on external public sentiment data of the item to be analyzed is shown in fig. 3, and includes the steps of:
s301, acquiring enterprise identifications of enterprises in the project to be analyzed;
in the embodiment of the present invention, the enterprise identifier is used to distinguish different enterprises, the enterprise identifier is used to associate an enterprise with external public opinion data associated with the enterprise, and the enterprise identifier may be a number, a letter, a serial number, a social unified credit code, or the like.
S302, acquiring external public opinion data of each enterprise based on the enterprise identification;
in the embodiment of the invention, the external public opinion data of the external system is called, and comprises board of director elevation change, administrative penalty and the like, and is related to contract counterparties, substantial counterparties, mortgage companies and the like to be used as qualitative indexes for risk assessment of the project to be analyzed. The process of calling the external public opinion data of the external system is as follows: automatically analyzing enterprise names related to external public opinion information, carrying out fuzzy matching with various trade opponent names of items to be analyzed, if the information is overlapped, automatically pushing external data and informing corresponding disposers to realize timely response to the public opinion information; and automatically updating the public sentiment of the new trading opponent, and automatically deleting the public sentiment push of the trading opponent corresponding to the finished item.
Furthermore, the public sentiment of the enterprise is checked on the home page of the system, the public sentiment comprises a public sentiment category, a public sentiment name and a public sentiment related enterprise, the enterprise name is set to be clickable, the click is skipped to the enterprise information detail page, a related item module is developed, and the click item name is skipped to the item detail page.
And S303, comparing the external public opinion data with a preset public opinion level comparison table to determine the public opinion level of the item to be analyzed, wherein the public opinion level comparison table stores the corresponding relation between the public opinion data and the public opinion level.
In the embodiment of the present invention, the external public opinion data is compared with a preset public opinion level comparison table, where no corresponding relationship between the public opinion data and the public opinion level is stored in the preset public opinion level comparison table, and the corresponding relationship may be set based on experience or specific situations, and the preset public opinion level comparison table is traversed to find the public opinion level corresponding to the public opinion data matched with the external public opinion data, where the matching manners may be completely the same, and may also be that the text similarity satisfies a preset similarity threshold or other preferred matching methods.
In the embodiment of the present invention, based on the above-mentioned method, the integrated data comes from two parts: the internal data comprises project overdue data, project management report data and the like; the external data comprises WIND, WIND report and the like. Wherein, the newspaper is public sentiment data includes: news opinions, administrative penalties, equity contributions, etc. Wind is financial data including balance sheet, profit sheet, cash flow sheet, etc. And various data are used as risk factors for risk analysis, a risk early warning analysis model is established, the operation condition of the project is judged according to the risk category and the risk level through qualitative and quantitative analysis, and corresponding countermeasures are taken according to different risks.
Preferably, the early warning method can be synchronously realized at a mobile terminal and a PC terminal, views are presented from three dimensions of public sentiment, enterprises and projects, besides a PC channel, enterprise WeChat is supported, the operation is convenient, the method is suitable for different use scenes of users, and the operation data of the PC terminal and the operation data of a mobile phone terminal are synchronous and shared;
the public sentiment is used as an external information source, and the project is influenced by using enterprise information as a transmission medium, particularly, a unique social credit code of each enterprise is used as an external key and is related to the public sentiment information of the corresponding enterprise in the newspaper and is displayed on a home page of the early warning system; early warning messages including public sentiment early warning and overdue early warning prompt are regularly pushed every day through WeChat, and the permission is set, so that a user can only receive the associated early warning messages of items in the district of the user.
Based on the above item early warning method, an embodiment of the present invention further provides an item early warning apparatus, where a structural block diagram of the item early warning apparatus is shown in fig. 4, and the method includes:
an acquisition and determination module 401 and a determination module 402.
Wherein the content of the first and second substances,
the obtaining and determining module 401 is configured to determine an overdue level based on overdue data of an item to be analyzed, obtain an item level determined based on item data of the item to be analyzed, and determine a public sentiment level based on external public sentiment data of the item to be analyzed;
the determining module 402 is configured to determine an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level.
The invention discloses a project early warning device, comprising: determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed; determining an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level. In the device, in the process of determining the early warning level of the report to be analyzed, not only external public sentiment data is added to qualitative data as an analysis index, but also overdue data is added to quantitative analysis index, and meanwhile, the early warning level of the item to be analyzed is determined based on the quantitative index and the qualitative index, so that compared with the prior art that the early warning analysis result is determined only based on the qualitative data, the accuracy of the early warning analysis result is improved.
In this embodiment of the present invention, the determining, by the obtaining and determining module 401, an overdue level based on overdue data of the item to be analyzed includes:
a first acquisition unit 403, a date and amount acquisition unit 404, a comparison unit 405, and a first determination unit 406.
Wherein the content of the first and second substances,
the first data obtaining unit 403 is configured to obtain overdue data of the item to be analyzed, where the overdue data includes: historical overdue data and/or current overdue data;
the date and amount obtaining unit 404 is configured to obtain an actual payment date and an actual payment amount in the overdue data;
the comparing unit 405 is configured to compare the actual payment date and the actual payment amount with a predicted payment date and a predicted payment amount;
the first determining unit 406 is configured to determine an overdue level of the item to be analyzed according to the comparison result.
In an embodiment of the present invention, the determining, by the obtaining and determining module 401, a public opinion level based on external public opinion data of the item to be analyzed includes:
an identification acquisition unit 407, a second data acquisition unit 408, and a second determination unit 409.
The identifier obtaining unit 407 is configured to obtain an enterprise identifier of each enterprise in the item to be analyzed;
the second data obtaining unit 408 is configured to obtain external public opinion data of each enterprise based on the enterprise identifier;
the second determining unit 409 is configured to compare the external public opinion data with a preset public opinion level comparison table, and determine a public opinion level of the item to be analyzed, where the public opinion level comparison table stores a corresponding relationship between the public opinion data and the public opinion level.
In this embodiment of the present invention, the determining module 402 includes:
an assigning unit 410 and a third determining unit 411.
Wherein the content of the first and second substances,
the allocating unit 410 is configured to allocate weights to the overdue level, the item level, and the public opinion level;
the third determining unit 411 is configured to determine an early warning level of the item to be analyzed based on a preset item early warning level model according to the overdue level, the item level, the public sentiment level, and the corresponding weight.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The above detailed description is provided for a project early warning method and device provided by the present invention, and the principle and the implementation of the present invention are explained by applying specific examples, and the description of the above examples is only used to help understanding the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims (10)

1. A project early warning method is characterized by comprising the following steps:
determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed;
determining an early warning level of the item to be analyzed based on the overdue level, the item level, and the public opinion level.
2. The method of claim 1, wherein determining an overdue level based on overdue data for an item to be analyzed comprises:
acquiring overdue data of the item to be analyzed, wherein the overdue data comprises: historical overdue data and/or current overdue data;
acquiring an actual repayment date and an actual repayment amount in the overdue data;
comparing the actual payment date and the actual payment amount with a predicted payment date and a predicted payment amount;
and determining the overdue level of the item to be analyzed according to the comparison result.
3. The method of claim 1, wherein obtaining an item level determined based on item data for the item to be analyzed comprises:
acquiring project data of the project to be analyzed, wherein the project data is acquired in an online recording mode;
and displaying the project data and acquiring the project level fed back based on the project data.
4. The method of claim 1, wherein determining a public opinion level based on external public opinion data of the item to be analyzed comprises:
acquiring enterprise identifications of enterprises in the project to be analyzed;
acquiring external public opinion data of each enterprise based on the enterprise identification;
and comparing the external public opinion data with a preset public opinion level comparison table to determine the public opinion level of the item to be analyzed, wherein the public opinion level comparison table stores the corresponding relation between the public opinion data and the public opinion level.
5. The method of claim 1, wherein determining an early warning level for the item to be analyzed based on the overdue level, the item level, and the public opinion level comprises:
assigning weights to the overdue level, the project level, and the public opinion level;
and determining the early warning level of the item to be analyzed based on a preset item early warning level model according to the overdue level, the item level, the public sentiment level and the corresponding weight.
6. The method of claim 1, further comprising:
adjusting the item to be analyzed based on the early warning level;
and carrying out early warning analysis again based on the adjusted items to be analyzed.
7. An item early warning device, comprising:
the acquisition and determination module is used for determining an overdue level based on overdue data of an item to be analyzed, acquiring an item level determined based on the item data of the item to be analyzed, and determining a public opinion level based on external public opinion data of the item to be analyzed;
and the determining module is used for determining the early warning level of the item to be analyzed based on the overdue level, the item level and the public opinion level.
8. The apparatus of claim 7, wherein the obtaining and determining module determines the level of overdue based on overdue data for the item to be analyzed, comprising:
a first data obtaining unit, configured to obtain overdue data of the item to be analyzed, where the overdue data includes: historical overdue data and/or current overdue data;
the date and amount acquisition unit is used for acquiring an actual repayment date and an actual repayment amount in the overdue data;
a comparison unit for comparing the actual repayment date and the actual repayment amount with a predicted repayment date and a predicted repayment amount;
and the first determining unit is used for determining the overdue level of the item to be analyzed according to the comparison result.
9. The apparatus of claim 7, wherein the obtaining and determining module determines a public opinion level based on external public opinion data of the item to be analyzed, comprising:
the identification acquisition unit is used for acquiring enterprise identifications of enterprises in the project to be analyzed;
the second data acquisition unit is used for acquiring the external public opinion data of each enterprise based on the enterprise identification;
and the second determination unit is used for comparing the external public opinion data with a preset public opinion level comparison table to determine the public opinion level of the item to be analyzed, wherein the public opinion level comparison table stores the corresponding relation between the public opinion data and the public opinion level.
10. The apparatus of claim 7, wherein the determining module comprises:
an assigning unit, configured to assign weights to the overdue level, the item level, and the public opinion level;
and the third determining unit is used for determining the early warning level of the item to be analyzed based on a preset item early warning level model according to the overdue level, the item level, the public sentiment level and the corresponding weight.
CN202010837500.6A 2020-08-19 2020-08-19 Project early warning method and device Pending CN111966905A (en)

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