CN112561277A - City credit index calculation system, city credit index calculation method, electronic device, and storage medium - Google Patents

City credit index calculation system, city credit index calculation method, electronic device, and storage medium Download PDF

Info

Publication number
CN112561277A
CN112561277A CN202011423942.2A CN202011423942A CN112561277A CN 112561277 A CN112561277 A CN 112561277A CN 202011423942 A CN202011423942 A CN 202011423942A CN 112561277 A CN112561277 A CN 112561277A
Authority
CN
China
Prior art keywords
enterprise
sample
api
credit
city
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN202011423942.2A
Other languages
Chinese (zh)
Other versions
CN112561277B (en
Inventor
齐海茂
雷增明
翟玥
吴楠
王建健
陈勇
王程
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
I Xinnuo Credit Co ltd
Original Assignee
I Xinnuo Credit Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by I Xinnuo Credit Co ltd filed Critical I Xinnuo Credit Co ltd
Priority to CN202011423942.2A priority Critical patent/CN112561277B/en
Publication of CN112561277A publication Critical patent/CN112561277A/en
Application granted granted Critical
Publication of CN112561277B publication Critical patent/CN112561277B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2458—Special types of queries, e.g. statistical queries, fuzzy queries or distributed queries
    • G06F16/2462—Approximate or statistical queries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25—Integrating or interfacing systems involving database management systems
    • G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02P—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN THE PRODUCTION OR PROCESSING OF GOODS
    • Y02P90/00—Enabling technologies with a potential contribution to greenhouse gas [GHG] emissions mitigation
    • Y02P90/30—Computing systems specially adapted for manufacturing

Abstract

The embodiment of the application provides a city credit index calculation system, which comprises: the first API interface is used for acquiring all enterprise information of a target city; the sampling unit is provided with a second API (application program interface) which is used for receiving all enterprise information of the target city sent by the first API, so that the sampling unit samples all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city; the enterprise credit index calculation unit calculates the enterprise credit index of each sample enterprise according to the plurality of sample enterprise information; the city credit index model building unit builds a city credit index model according to enterprise credit indexes of a plurality of sample enterprises; and the city credit index calculation unit calls a city credit index model through a fifth API (application program interface) to calculate the city credit index of the target city. Therefore, the accuracy and the reliability of the obtained city credit index are improved.

Description

City credit index calculation system, city credit index calculation method, electronic device, and storage medium
Technical Field
The embodiment of the application relates to the field of statistics, in particular to a city credit index calculation system, a city credit index calculation method, electronic equipment and a storage medium.
Background
The city credit index plays an important role in the aspects of government development of credit management, government work effect measurement, investment pulling and tourist attraction. The existing urban credit index compiling scheme selects indexes from the aspects of credit putting, enterprise credit management, credit investigation system construction, government credit supervision, distrust violation, honest education, enterprise experience and the like to construct an urban credit index evaluation system, and cannot reflect the credit change condition of a micro-individual level business entity.
Disclosure of Invention
In view of the above, embodiments of the present application provide a city credit index calculation system, a city credit index calculation method, an electronic device, and a storage medium, so as to overcome the problems in the prior art.
In a first aspect, an embodiment of the present application provides a city credit index calculation system, where the city credit index calculation system is disposed on a background server, and the city credit index calculation system includes:
the first API interface is used for acquiring all enterprise information of a target city;
the sampling unit is provided with a second API (application program interface) which is used for receiving all enterprise information of the target city sent by the first API, so that the sampling unit samples all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
the enterprise credit index calculation unit is provided with a third API (application programming interface) interface, and the third API interface is used for receiving the plurality of sample enterprise information sent by the second API interface, so that the enterprise credit index calculation unit calculates the enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
the city credit index model building unit is provided with a fourth API interface, and the fourth API interface is used for receiving the enterprise credit indexes of the plurality of sample enterprises sent by the third API interface so that the city credit index model building unit can build a city credit index model according to the enterprise credit indexes of the plurality of sample enterprises;
and the city credit index calculation unit is configured with a fifth API (application program interface), and calls a city credit index model to calculate the city credit index of the target city through the fifth API.
Optionally, in a specific embodiment, the enterprise credit index calculation unit includes:
the enterprise credit scoring model establishing subunit is used for acquiring a plurality of sample enterprise information through a third API (application program interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
and the enterprise credit index calculation subunit calls an enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise.
Optionally, in a specific embodiment, the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API and calculating the tax score of each sample enterprise according to the tax score, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring a plurality of sample enterprise information through the third API and calculating the business and industry grade of each sample enterprise according to the business and industry grade, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API interface and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring a plurality of sample enterprise information through a third API (application programming interface) and calculating the customs score of each sample enterprise according to the sample enterprise information, wherein the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
Optionally, in a specific embodiment, the step of calling the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise includes:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calculating the business score of each sample enterprise through a sixth API interface business score submodel;
calling a judicial scoring sub-model through a sixth API (application program interface) interface to calculate the judicial scoring of each sample enterprise;
calling a customs scoring sub-model through a sixth API (application program interface) to calculate the customs score of each sample enterprise;
calling other scoring submodels through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
Optionally, in a specific embodiment, the city credit index model includes:
the classification submodel is used for acquiring information of a plurality of sample enterprises through a fourth API (application program interface) and classifying the sample enterprises into a plurality of categories according to industry and scale classification indexes;
the category credit score calculation submodel is used for calculating the mean value of the enterprise credit indexes of the sample enterprises in each category according to the sample enterprises in the plurality of categories and taking the mean value as the category credit score of the corresponding category;
and the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the plurality of categories.
Optionally, in a specific embodiment, calculating a category weight for each category according to a plurality of categories of sample enterprises includes:
dividing a plurality of sample enterprises into a plurality of industries according to the industry classification indexes;
dividing a plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
Optionally, in a specific embodiment, the step of calling the city credit index model through a fifth API interface to calculate the city credit index of the target city includes:
calling a classification submodel through a fifth API (application program interface) to classify a plurality of sample enterprises into a plurality of classes;
calling a category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
calling a category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
and calculating the city credit index of the target city according to the category credit scores of the categories and the category weights of the categories.
In a second aspect, an embodiment of the present application provides a city credit index calculation method, including:
acquiring all enterprise information of a target city through a first API (application program interface);
receiving all enterprise information of the target city sent by the first API through the second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
receiving a plurality of sample enterprise information sent by the second API through the third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
the enterprise credit indexes of the multiple sample enterprises sent by the third API are received through the fourth API, and a city credit index model is established according to the enterprise credit indexes of the multiple sample enterprises;
and calling a city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
Optionally, in a specific embodiment, obtaining a plurality of sample enterprise information through the third API interface and calculating an enterprise credit index of each sample enterprise according to the obtained sample enterprise information includes:
acquiring a plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
and calling an enterprise credit scoring model through a sixth API (application program interface) to calculate the enterprise credit index of each sample enterprise.
Optionally, in a specific embodiment, the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API and calculating the tax score of each sample enterprise according to the tax score, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring a plurality of sample enterprise information through the third API and calculating the business and industry grade of each sample enterprise according to the business and industry grade, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API interface and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring a plurality of sample enterprise information through a third API (application programming interface) and calculating the customs score of each sample enterprise according to the sample enterprise information, wherein the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
Optionally, in a specific embodiment, the step of calling the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise includes:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calling a business grade submodel through a sixth API (application program interface) to calculate the business grade of each sample enterprise;
calling a judicial scoring sub-model through a sixth API (application program interface) interface to calculate the judicial scoring of each sample enterprise;
calling a customs scoring sub-model through a sixth API (application program interface) to calculate the customs score of each sample enterprise;
calling other scoring submodels through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
Optionally, in a specific embodiment, the city credit index model includes:
the classification submodel is used for acquiring information of a plurality of sample enterprises through a fourth API (application program interface) and classifying the sample enterprises into a plurality of categories according to industry and scale classification indexes;
the category credit score calculation submodel is used for calculating the mean value of the enterprise credit indexes of the sample enterprises in each category according to the sample enterprises in the plurality of categories and taking the mean value as the category credit score of the corresponding category;
and the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the plurality of categories.
Optionally, in a specific embodiment, obtaining a plurality of categories of sample enterprises through a fourth API interface and calculating a category weight of each category according to the sample enterprises includes:
dividing a plurality of sample enterprises into a plurality of industries according to the industry classification indexes;
dividing a plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
Optionally, in a specific embodiment, the step of calling the city credit index model through a fifth API interface to calculate the city credit index of the target city includes:
calling a classification submodel through a fifth API (application program interface) to classify a plurality of sample enterprises into a plurality of classes;
calling a category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
calling a category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
and calculating the city credit index of the target city according to the category credit scores of the categories and the category weights of the categories.
In a third aspect, an embodiment of the present application provides an electronic device, which includes a memory and a processor, where the memory stores an executable program, and the processor executes the executable program to perform the following steps:
acquiring all enterprise information of a target city through a first API (application program interface);
receiving all enterprise information of the target city sent by the first API through the second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
receiving a plurality of sample enterprise information sent by the second API through the third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
the enterprise credit indexes of the multiple sample enterprises sent by the third API are received through the fourth API, and a city credit index model is established according to the enterprise credit indexes of the multiple sample enterprises;
and calling a city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
Optionally, in a specific embodiment, obtaining a plurality of sample enterprise information through the third API interface and calculating an enterprise credit index of each sample enterprise according to the obtained sample enterprise information includes:
acquiring a plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
and calling an enterprise credit scoring model through a sixth API (application program interface) to calculate the enterprise credit index of each sample enterprise.
Optionally, in a specific embodiment, the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API and calculating the tax score of each sample enterprise according to the tax score, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring a plurality of sample enterprise information through the third API and calculating the business and industry grade of each sample enterprise according to the business and industry grade, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API interface and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring a plurality of sample enterprise information through a third API (application programming interface) and calculating the customs score of each sample enterprise according to the sample enterprise information, wherein the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
Optionally, in a specific embodiment, the step of calling the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise includes:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calling a business grade submodel through a sixth API (application program interface) to calculate the business grade of each sample enterprise;
calling a judicial scoring sub-model through a sixth API (application program interface) interface to calculate the judicial scoring of each sample enterprise;
calling a customs scoring sub-model through a sixth API (application program interface) to calculate the customs score of each sample enterprise;
calling other scoring submodels through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
Optionally, in a specific embodiment, the city credit index model includes:
the classification submodel is used for acquiring information of a plurality of sample enterprises through a fourth API (application program interface) and classifying the sample enterprises into a plurality of categories according to industry and scale classification indexes;
the category credit score calculation submodel is used for acquiring sample enterprises of multiple categories through a fourth API interface, calculating the mean value of enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
and the category weight calculation submodel is used for acquiring a plurality of categories of sample enterprises through the fourth API interface and calculating the category weight of each category according to the sample enterprises.
Optionally, in a specific embodiment, obtaining a plurality of categories of sample enterprises through a fourth API interface and calculating a category weight of each category according to the sample enterprises includes:
dividing a plurality of sample enterprises into a plurality of industries according to the industry classification indexes;
dividing a plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
Optionally, in a specific embodiment, the step of calling the city credit index model through a fifth API interface to calculate the city credit index of the target city includes:
calling a classification submodel through a fifth API (application program interface) to classify a plurality of sample enterprises into a plurality of classes;
calling a category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
calling a category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
and calculating the city credit index of the target city according to the category credit scores of the categories and the category weights of the categories.
In a fourth aspect, the present application provides a storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the method according to any one of the second aspect is implemented.
9. The city credit index calculation method of claim 8, wherein obtaining the plurality of sample business information through a third API interface and calculating the business credit index of each of the sample businesses therefrom comprises:
obtaining the plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
and calling the enterprise credit scoring model through a sixth API (application programming interface) to calculate the enterprise credit index of each sample enterprise.
10. The city credit index calculation method of claim 9, wherein the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring the information of the plurality of sample enterprises through the third API interface and calculating the tax score of each sample enterprise according to the information of the plurality of sample enterprises, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring the information of the plurality of sample enterprises through the third API interface and calculating the business and industry grade of each sample enterprise according to the information of the plurality of sample enterprises, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
a judicial scoring sub-model, configured to obtain the information of the plurality of sample enterprises through the third API interface and calculate a judicial score of each sample enterprise according to the information, where the judicial score is used to indicate a judicial risk of the sample enterprise;
a customs score sub-model, configured to obtain the sample enterprise information through the third API interface and calculate a customs score of each sample enterprise according to the sample enterprise information, where the customs score is used to indicate a customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
11. The city credit index calculation method of claim 10, wherein invoking the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index for each of the sample enterprises comprises:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calling the business grade submodel through a sixth API (application program interface) to calculate the business grade of each sample enterprise;
calling the judicial scoring submodel through a sixth API (application program interface) to calculate the judicial scoring of each sample enterprise;
calling the customs scoring sub-model through a sixth API interface to calculate the customs score of each sample enterprise;
calling the other scoring sub-models through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
12. The city credit index calculation method of claim 8, wherein the city credit index model comprises:
the classification submodel is used for acquiring the information of the plurality of sample enterprises through a fourth API (application program interface) and classifying the plurality of sample enterprises into a plurality of categories according to industry and scale classification indexes;
the category credit score calculation submodel is used for calculating the mean value of the enterprise credit indexes of the sample enterprises in each category according to the sample enterprises in the plurality of categories and taking the mean value as the category credit score of the corresponding category;
and the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the categories.
13. The city credit index calculation method of claim 12, wherein obtaining the sample enterprises of the plurality of categories through a fourth API interface and calculating the category weight of each of the categories based thereon comprises:
dividing the plurality of sample enterprises into a plurality of industries according to an industry classification index;
dividing the plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
14. The city credit index calculation method of claim 12, wherein calling the city credit index model through a fifth API interface to calculate the city credit index of the target city comprises:
calling the classification submodel through a fifth API (application program interface) to classify the sample enterprises into a plurality of classes;
calling the category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, wherein the mean value is used as the category credit score of the corresponding category;
calling the category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
calculating a city credit index for the target city according to the category credit scores of the plurality of categories and the category weights of the plurality of categories.
16. The electronic device of claim 15, wherein obtaining the plurality of sample business information via a third API interface and calculating therefrom a business credit index for each of the sample businesses comprises:
obtaining the plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
and calling the enterprise credit scoring model through a sixth API (application programming interface) to calculate the enterprise credit index of each sample enterprise.
17. The electronic device of claim 16, wherein the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring the information of the plurality of sample enterprises through a third API (application program interface) and calculating the tax score of each sample enterprise according to the information of the plurality of sample enterprises, wherein the tax score is used for indicating the tax risk of the sample enterprises;
the business and industrial grade submodel is used for acquiring the information of the plurality of sample enterprises through a third API (application program interface) and calculating the business and industrial grade of each sample enterprise according to the information, and the business and industrial grade is used for indicating the business and industrial risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring the information of the plurality of sample enterprises through a third API (application program interface) and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring the information of the plurality of sample enterprises through a third API (application program interface) and calculating the customs score of each sample enterprise according to the information, and the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through a third API (application programming interface) and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
18. The electronic device of claim 17, wherein invoking the enterprise credit scoring model through the sixth API interface to calculate an enterprise credit index for each of the sample enterprises comprises:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calling the business grade submodel through a sixth API (application program interface) to calculate the business grade of each sample enterprise;
calling the judicial scoring submodel through a sixth API (application program interface) to calculate the judicial scoring of each sample enterprise;
calling the customs scoring sub-model through a sixth API interface to calculate the customs score of each sample enterprise;
calling the other scoring sub-models through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
19. The electronic device of claim 15, wherein the city credit index model comprises:
the classification submodel is used for acquiring the information of the plurality of sample enterprises through a fourth API (application program interface) and classifying the plurality of sample enterprises into a plurality of categories according to industry and scale classification indexes;
the category credit score calculation submodel is used for acquiring the mean value of enterprise credit indexes of the sample enterprises in each category calculated by the sample enterprises in the multiple categories through a fourth API (application program interface) and taking the mean value as the category credit score of the corresponding category;
and the category weight calculation submodel is used for acquiring the sample enterprises of the multiple categories through a fourth API (application program interface) and calculating the category weight of each category according to the sample enterprises of the multiple categories.
20. The electronic device of claim 19, wherein obtaining the plurality of categories of sample businesses through a fourth API interface and calculating a category weight for each of the categories based thereon comprises:
dividing the plurality of sample enterprises into a plurality of industries according to an industry classification index;
dividing the plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
21. The electronic device of claim 19, wherein invoking the city credit index model through a fifth API interface to calculate the city credit index for the target city comprises:
calling the classification submodel through a fifth API (application program interface) to classify the sample enterprises into a plurality of classes;
calling the category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, wherein the mean value is used as the category credit score of the corresponding category;
calling the category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
calculating a city credit index for the target city according to the category credit scores of the plurality of categories and the category weights of the plurality of categories.
The embodiment of the application provides a city credit index calculation system, a method, electronic equipment and a storage medium, which start from enterprise credit comprehensive scoring, reflect the credit level of an enterprise credit subject according to classification perspectives such as regions, industries, enterprise scales and the like, consider the influence of enterprise credits of various industries and scales on the city credit index, and improve the accuracy and reliability of the obtained city credit index.
Drawings
Some specific embodiments of the present application will be described in detail hereinafter by way of illustration and not limitation with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. In the drawings:
fig. 1 is a schematic diagram of a city credit index calculation system according to an embodiment of the present application;
fig. 2 is a flowchart of a city credit index calculation method according to an embodiment of the present application;
fig. 3 is a flowchart of another city credit index calculation method provided in the embodiment of the present application;
fig. 4 is a schematic view of an electronic device according to an embodiment of the present application.
Detailed Description
The following further describes specific implementation of the embodiments of the present invention with reference to the drawings.
Example one
Referring to fig. 1, an embodiment of the present application provides a city credit index calculation system 10, including:
the first API interface is used for acquiring all enterprise information of a target city;
specifically, all enterprise information of the target city can be acquired through interfaces provided by a business bureau, a tax bureau or a hundred-degree database, Tencent information and the like of the target city, and the enterprise information can comprise all legal representatives of the enterprise, registered capital, unified social credit codes, taxpayer identification numbers, enterprise types, personnel scale, great names, enterprise addresses, operating ranges, operating states, real payment capital and organization codes. Import and export enterprise codes, business terms, number of participating insurers, English names, establishing dates, approval dates, industrial and commercial registration numbers, affiliated industries, registration organs, affiliated areas, shareholder information, main personnel, external investment, branch offices and the like; the judicial information of the enterprise may include the number of cases involved, the case information, the case type, the case group, the court announcement, the lawsuit, the administrative penalty, the performance information, the default information, and the like of the enterprise in the first preset time period. This is not limited by the present application.
The sampling unit 101 is configured with a second API interface, and the second API interface is used for receiving all enterprise information of the target city sent by the first API interface, so that the sampling unit 101 samples all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
specifically, the sampling method for sampling all enterprise information of the target city can be simple random sampling, mechanical random sampling, hierarchical random sampling, overall random sampling and multi-stage sampling, and the application does not limit the sampling method.
The enterprise credit index calculation unit 102, where the enterprise credit index calculation unit 102 is configured with a third API interface, and the third API interface is used to receive the multiple sample enterprise information sent by the second API interface, so that the enterprise credit index calculation unit 102 calculates an enterprise credit index of each sample enterprise according to the multiple sample enterprise information;
optionally, in a specific embodiment, the enterprise credit index calculation unit 102 includes:
the enterprise credit scoring model establishing subunit is used for acquiring a plurality of sample enterprise information through a third API (application program interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
optionally, in a specific embodiment, the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API and calculating the tax score of each sample enterprise according to the tax score, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring a plurality of sample enterprise information through the third API and calculating the business and industry grade of each sample enterprise according to the business and industry grade, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API interface and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring a plurality of sample enterprise information through a third API (application programming interface) and calculating the customs score of each sample enterprise according to the sample enterprise information, wherein the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
Specifically, the business-industry score submodel may include three indexes of administrative punishment, abnormal operation and business-industry serious violation, and the business-industry score of the corresponding sample enterprise is calculated according to the three indexes; the judicial scoring sub-model can comprise two indexes of major judicial actions and executed cases, and the judicial scoring of the corresponding sample enterprises is calculated according to the two indexes; the tax scoring sub-model can comprise three indexes of abnormal users, missing taxpayers and major tax violation records, and the corresponding tax scoring of the sample enterprise is calculated according to the three indexes; the customs scoring sub-model can comprise two indexes of customs credit information abnormity and customs loss credit enterprises, and the tax scoring of the corresponding sample enterprises is calculated according to the two indexes; other scoring sub-models can comprise seven indexes of government purchase loss credit, other blacklist items, loss credit production and operation units in the safety production field, major production safety accidents, serious loss credit enterprises in the statistical field, homeland administration penalties and financial blacklist enterprises, and the tax score of the corresponding sample enterprise is calculated according to the seven indexes. And positive indexes can be added, such as credit-keeping united incentive, credit-keeping red list, credit-keeping typical enterprises in each field and the ratio of real payment registration capital to due payment registration capital and the like can be added into the enterprise credit scoring model.
And the enterprise credit index calculation subunit calls an enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise.
Optionally, in a specific embodiment, the step of calling the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise includes:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calculating the business score of each sample enterprise through a sixth API interface business score submodel;
calling a judicial scoring sub-model through a sixth API (application program interface) interface to calculate the judicial scoring of each sample enterprise;
calling a customs scoring sub-model through a sixth API (application program interface) to calculate the customs score of each sample enterprise;
calling other scoring submodels through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
Specifically, if the business credit index of business i is set to Si，Ci,kScoring the k-th index of the enterprise i, k being the number of indexes, ωkIs the weight of the k-th index, ωkThe setting can be manually preset according to needs, and the application is not limited to this. Then:
Figure BDA0002823885120000151
the city credit index model building unit 103 is configured with a fourth API interface, and the fourth API interface is used for receiving the enterprise credit indexes of the multiple sample enterprises sent by the third API interface, so that the city credit index model building unit 103 builds a city credit index model according to the enterprise credit indexes of the multiple sample enterprises;
optionally, in a specific embodiment, the city credit index model includes:
the classification submodel is used for acquiring information of a plurality of sample enterprises through a fourth API (application program interface) and classifying the sample enterprises into a plurality of categories according to industry and scale classification indexes;
specifically, the national statistical office industry division standard and the statistical large, medium and small-sized enterprise division method (2017) can be used as industry and scale classification indexes, a plurality of sample enterprises are divided into 9 industries including agriculture, forestry, animal husbandry, fishery, industry (including mining industry, manufacturing industry, power, heating power, gas and water production and supply industry), construction industry, transportation, storage and postal industry, wholesale and retail industry, lodging and catering industry, financial industry, housing industry and other service industry, the plurality of sample enterprises are divided into 3 scales of large scale, medium scale and small-sized service industry, and the plurality of sample enterprises are divided into 27 categories. Therefore, the influence of enterprises of various industries and various scales on the city credit is comprehensively considered, and the accuracy and the reliability of the calculated city credit index are improved.
The category credit score calculation submodel is used for calculating the mean value of the enterprise credit indexes of the sample enterprises in each category according to the sample enterprises in the plurality of categories and taking the mean value as the category credit score of the corresponding category;
therefore, the influence of enterprises of various industries and various scales on the city credit is comprehensively considered, and the accuracy and the reliability of the calculated city credit index are improved.
And the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the plurality of categories.
Optionally, in a specific embodiment, calculating a category weight for each category according to a plurality of categories of sample enterprises includes:
dividing a plurality of sample enterprises into a plurality of industries according to the industry classification indexes;
dividing a plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
Specifically, the average proportion of industry added values of the target city in the last three years can be used as the industry weight of the corresponding industry; as the typing standards for dividing large, medium and small enterprises nationwide are unified, 2 ten thousand enterprises are randomly extracted nationwide by using a Bootstrap sampling method, the enterprises are divided into large, medium and small enterprises according to a statistical large, medium and small micro enterprise dividing method (2017), the registered capital sum of each group of enterprises is respectively calculated, and the scale weight of each scale dimension is determined according to the ratio of the registered capital sum of each group of enterprises to the number of all sample enterprises; and taking the industry weight of each industry and the scale weight of each scale dimension as the category weight of the corresponding category.
The city credit index calculation unit 104, the city credit index calculation unit 104 is configured with a fifth API interface, and the city credit index calculation unit 104 calls a city credit index model to calculate the city credit index of the target city through the fifth API interface.
Optionally, in a specific embodiment, the step of calling the city credit index model through a fifth API interface to calculate the city credit index of the target city includes:
calling a classification submodel through a fifth API (application program interface) to classify a plurality of sample enterprises into a plurality of classes;
calling a category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
calling a category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
and calculating the city credit index of the target city according to the category credit scores of the categories and the category weights of the categories.
Specifically, if the category credit score of the category j is set to Sj，CiCity credit index, ω, for target city ijFor class weight of class j, then:
Figure BDA0002823885120000161
example two
Referring to fig. 2, an embodiment of the present application provides a city credit index calculation method, including:
s201: acquiring all enterprise information of a target city through a first API (application program interface);
specifically, all enterprise information of the target city can be acquired through interfaces provided by a business bureau, a tax bureau or a hundred-degree database, Tencent information and the like of the target city, and the enterprise information can comprise all legal representatives of the enterprise, registered capital, unified social credit codes, taxpayer identification numbers, enterprise types, personnel scale, great names, enterprise addresses, operating ranges, operating states, real payment capital and organization codes. Import and export enterprise codes, business terms, number of participating insurers, English names, establishing dates, approval dates, industrial and commercial registration numbers, affiliated industries, registration organs, affiliated areas, shareholder information, main personnel, external investment, branch offices and the like; the judicial information of the enterprise may include the number of cases involved, the case information, the case type, the case group, the court announcement, the lawsuit, the administrative penalty, the performance information, the default information, and the like of the enterprise in the first preset time period. This is not limited by the present application.
S202: receiving all enterprise information of the target city sent by the first API through the second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
specifically, the sampling method for sampling all enterprise information of the target city can be simple random sampling, mechanical random sampling, hierarchical random sampling, overall random sampling and multi-stage sampling, and the application does not limit the sampling method.
S203: receiving a plurality of sample enterprise information sent by the second API through the third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
optionally, in a specific embodiment, obtaining a plurality of sample enterprise information through the third API interface and calculating an enterprise credit index of each sample enterprise according to the obtained sample enterprise information includes:
acquiring a plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
optionally, in a specific embodiment, the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API and calculating the tax score of each sample enterprise according to the tax score, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring a plurality of sample enterprise information through the third API and calculating the business and industry grade of each sample enterprise according to the business and industry grade, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API interface and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring a plurality of sample enterprise information through a third API (application programming interface) and calculating the customs score of each sample enterprise according to the sample enterprise information, wherein the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
Specifically, the business-industry score submodel may include three indexes of administrative punishment, abnormal operation and business-industry serious violation, and the business-industry score of the corresponding sample enterprise is calculated according to the three indexes; the judicial scoring sub-model can comprise two indexes of major judicial actions and executed cases, and the judicial scoring of the corresponding sample enterprises is calculated according to the two indexes; the tax scoring sub-model can comprise three indexes of abnormal users, missing taxpayers and major tax violation records, and the corresponding tax scoring of the sample enterprise is calculated according to the three indexes; the customs scoring sub-model can comprise two indexes of customs credit information abnormity and customs loss credit enterprises, and the tax scoring of the corresponding sample enterprises is calculated according to the two indexes; other scoring sub-models can comprise seven indexes of government purchase loss credit, other blacklist items, loss credit production and operation units in the safety production field, major production safety accidents, serious loss credit enterprises in the statistical field, homeland administration penalties and financial blacklist enterprises, and the tax score of the corresponding sample enterprise is calculated according to the seven indexes. And positive indexes can be added, such as credit-keeping united incentive, credit-keeping red list, credit-keeping typical enterprises in each field and the ratio of real payment registration capital to due payment registration capital and the like can be added into the enterprise credit scoring model.
And calling an enterprise credit scoring model through a sixth API (application program interface) to calculate the enterprise credit index of each sample enterprise.
Optionally, in a specific embodiment, the step of calling the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise includes:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calling a business grade submodel through a sixth API (application program interface) to calculate the business grade of each sample enterprise;
calling a judicial scoring sub-model through a sixth API (application program interface) interface to calculate the judicial scoring of each sample enterprise;
calling a customs scoring sub-model through a sixth API (application program interface) to calculate the customs score of each sample enterprise;
calling other scoring submodels through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
Specifically, if the business credit index of business i is set to Si，Ci,kScoring the k-th index of the enterprise i, k being the number of indexes, ωkIs the weight of the k-th index, ωkCan be artificially predicted according to requirementsIt is to be noted that the present application is not limited thereto. Then:
Figure BDA0002823885120000181
s204: the enterprise credit indexes of the multiple sample enterprises sent by the third API are received through the fourth API, and a city credit index model is established according to the enterprise credit indexes of the multiple sample enterprises;
optionally, in a specific embodiment, the city credit index model includes:
the classification submodel is used for acquiring information of a plurality of sample enterprises through a fourth API (application program interface) and classifying the sample enterprises into a plurality of categories according to industry and scale classification indexes;
specifically, the national statistical office industry division standard and the statistical large, medium and small-sized enterprise division method (2017) can be used as industry and scale classification indexes, a plurality of sample enterprises are divided into 9 industries including agriculture, forestry, animal husbandry, fishery, industry (including mining industry, manufacturing industry, power, heating power, gas and water production and supply industry), construction industry, transportation, storage and postal industry, wholesale and retail industry, lodging and catering industry, financial industry, housing industry and other service industry, the plurality of sample enterprises are divided into 3 scales of large scale, medium scale and small-sized service industry, and the plurality of sample enterprises are divided into 27 categories. Therefore, the influence of enterprises of various industries and various scales on the city credit is comprehensively considered, and the accuracy and the reliability of the calculated city credit index are improved.
The category credit score calculation submodel is used for acquiring sample enterprises of multiple categories through a fourth API interface, calculating the mean value of enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
therefore, the influence of enterprises of various industries and various scales on the city credit is comprehensively considered, and the accuracy and the reliability of the calculated city credit index are improved.
And the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the plurality of categories.
Optionally, in a specific embodiment, obtaining a plurality of categories of sample enterprises through a fourth API interface and calculating a category weight of each category according to the sample enterprises includes:
dividing a plurality of sample enterprises into a plurality of industries according to the industry classification indexes;
dividing a plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
Specifically, the average proportion of industry added values of the target city in the last three years can be used as the industry weight of the corresponding industry; as the typing standards for dividing large, medium and small enterprises nationwide are unified, 2 ten thousand enterprises are randomly extracted nationwide by using a Bootstrap sampling method, the enterprises are divided into large, medium and small enterprises according to a statistical large, medium and small micro enterprise dividing method (2017), the registered capital sum of each group of enterprises is respectively calculated, and the scale weight of each scale dimension is determined according to the ratio of the registered capital sum of each group of enterprises to the number of all sample enterprises; and taking the industry weight of each industry and the scale weight of each scale dimension as the category weight of the corresponding category.
S205: and calling a city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
Optionally, in a specific embodiment, the step of calling the city credit index model through a fifth API interface to calculate the city credit index of the target city includes:
calling a classification submodel through a fifth API (application program interface) to classify a plurality of sample enterprises into a plurality of classes;
calling a category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
calling a category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
and calculating the city credit index of the target city according to the category credit scores of the categories and the category weights of the categories.
Specifically, if the category credit score of the category j is set to Sj，CiCity credit index, ω, for target city ijFor class weight of class j, then:
Figure BDA0002823885120000201
referring to fig. 3, an embodiment of the present application provides another city credit index calculation method, including: acquiring all enterprise information of a target city through a first API (application program interface); receiving all enterprise information of the target city sent by the first API through the second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city; acquiring a plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information; calling an enterprise credit scoring model through a sixth API (application program interface) to calculate the enterprise credit index of each sample enterprise; the enterprise credit indexes of the multiple sample enterprises sent by the third API are received through the fourth API, and a city credit index model is established according to the enterprise credit indexes of the multiple sample enterprises; and calling a city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
EXAMPLE III
Referring to fig. 4, an electronic device according to an embodiment of the present application is provided, which includes a memory and a processor, where the memory stores an executable program, and the processor executes the executable program to perform the following steps:
acquiring all enterprise information of a target city through a first API (application program interface);
receiving all enterprise information of the target city sent by the first API through the second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
receiving a plurality of sample enterprise information sent by the second API through the third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
the enterprise credit indexes of the multiple sample enterprises sent by the third API are received through the fourth API, and a city credit index model is established according to the enterprise credit indexes of the multiple sample enterprises;
and calling a city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
The following is a detailed description:
acquiring all enterprise information of a target city through a first API (application program interface);
specifically, all enterprise information of the target city can be acquired through interfaces provided by a business bureau, a tax bureau or a hundred-degree database, Tencent information and the like of the target city, and the enterprise information can comprise all legal representatives of the enterprise, registered capital, unified social credit codes, taxpayer identification numbers, enterprise types, personnel scale, great names, enterprise addresses, operating ranges, operating states, real payment capital and organization codes. Import and export enterprise codes, business terms, number of participating insurers, English names, establishing dates, approval dates, industrial and commercial registration numbers, affiliated industries, registration organs, affiliated areas, shareholder information, main personnel, external investment, branch offices and the like; the judicial information of the enterprise may include the number of cases involved, the case information, the case type, the case group, the court announcement, the lawsuit, the administrative penalty, the performance information, the default information, and the like of the enterprise in the first preset time period. This is not limited by the present application.
Receiving all enterprise information of the target city sent by the first API through the second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
specifically, the sampling method for sampling all enterprise information of the target city can be simple random sampling, mechanical random sampling, hierarchical random sampling, overall random sampling and multi-stage sampling, and the application does not limit the sampling method.
Receiving a plurality of sample enterprise information sent by the second API through the third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
optionally, in a specific embodiment, obtaining a plurality of sample enterprise information through the third API interface and calculating an enterprise credit index of each sample enterprise according to the obtained sample enterprise information includes:
acquiring a plurality of sample enterprise information through a third API (application programming interface) and establishing an enterprise credit scoring model according to the sample enterprise information;
optionally, in a specific embodiment, the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API and calculating the tax score of each sample enterprise according to the tax score, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring a plurality of sample enterprise information through the third API and calculating the business and industry grade of each sample enterprise according to the business and industry grade, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
the judicial scoring sub-model is used for acquiring a plurality of sample enterprise information through the third API interface and calculating the judicial scoring of each sample enterprise according to the information, wherein the judicial scoring is used for indicating the judicial risk of the sample enterprise;
the customs scoring sub-model is used for acquiring a plurality of sample enterprise information through a third API (application programming interface) and calculating the customs score of each sample enterprise according to the sample enterprise information, wherein the customs score is used for indicating the customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
Specifically, the business-industry score submodel may include three indexes of administrative punishment, abnormal operation and business-industry serious violation, and the business-industry score of the corresponding sample enterprise is calculated according to the three indexes; the judicial scoring sub-model can comprise two indexes of major judicial actions and executed cases, and the judicial scoring of the corresponding sample enterprises is calculated according to the two indexes; the tax scoring sub-model can comprise three indexes of abnormal users, missing taxpayers and major tax violation records, and the corresponding tax scoring of the sample enterprise is calculated according to the three indexes; the customs scoring sub-model can comprise two indexes of customs credit information abnormity and customs loss credit enterprises, and the tax scoring of the corresponding sample enterprises is calculated according to the two indexes; other scoring sub-models can comprise seven indexes of government purchase loss credit, other blacklist items, loss credit production and operation units in the safety production field, major production safety accidents, serious loss credit enterprises in the statistical field, homeland administration penalties and financial blacklist enterprises, and the tax score of the corresponding sample enterprise is calculated according to the seven indexes. And positive indexes can be added, such as credit-keeping united incentive, credit-keeping red list, credit-keeping typical enterprises in each field and the ratio of real payment registration capital to due payment registration capital and the like can be added into the enterprise credit scoring model.
And calling an enterprise credit scoring model through a sixth API (application program interface) to calculate the enterprise credit index of each sample enterprise.
Optionally, in a specific embodiment, the step of calling the enterprise credit scoring model through the sixth API interface to calculate the enterprise credit index of each sample enterprise includes:
calling the tax scoring sub-model through a sixth API (application program interface) interface to calculate the tax score of each sample enterprise;
calling a business grade submodel through a sixth API (application program interface) to calculate the business grade of each sample enterprise;
calling a judicial scoring sub-model through a sixth API (application program interface) interface to calculate the judicial scoring of each sample enterprise;
calling a customs scoring sub-model through a sixth API (application program interface) to calculate the customs score of each sample enterprise;
calling other scoring submodels through a sixth API (application program interface) to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
Specifically, if the business credit index of business i is set to Si，Ci,kScoring the k-th index of the enterprise i, k being the number of indexes, ωkIs the weight of the k-th index, ωkThe setting can be manually preset according to needs, and the application is not limited to this. Then:
Figure BDA0002823885120000231
the enterprise credit indexes of the multiple sample enterprises sent by the third API are received through the fourth API, and a city credit index model is established according to the enterprise credit indexes of the multiple sample enterprises;
optionally, in a specific embodiment, the city credit index model includes:
the classification submodel is used for acquiring information of a plurality of sample enterprises through a fourth API (application program interface) and classifying the sample enterprises into a plurality of categories according to industry and scale classification indexes;
specifically, the national statistical office industry division standard and the statistical large, medium and small-sized enterprise division method (2017) can be used as industry and scale classification indexes, a plurality of sample enterprises are divided into 9 industries including agriculture, forestry, animal husbandry, fishery, industry (including mining industry, manufacturing industry, power, heating power, gas and water production and supply industry), construction industry, transportation, storage and postal industry, wholesale and retail industry, lodging and catering industry, financial industry, housing industry and other service industry, the plurality of sample enterprises are divided into 3 scales of large scale, medium scale and small-sized service industry, and the plurality of sample enterprises are divided into 27 categories. Therefore, the influence of enterprises of various industries and various scales on the city credit is comprehensively considered, and the accuracy and the reliability of the calculated city credit index are improved.
The category credit score calculation submodel is used for acquiring sample enterprises of multiple categories through a fourth API interface, calculating the mean value of enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
therefore, the influence of enterprises of various industries and various scales on the city credit is comprehensively considered, and the accuracy and the reliability of the calculated city credit index are improved.
And the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the plurality of categories.
Optionally, in a specific embodiment, obtaining a plurality of categories of sample enterprises through a fourth API interface and calculating a category weight of each category according to the sample enterprises includes:
dividing a plurality of sample enterprises into a plurality of industries according to the industry classification indexes;
dividing a plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
Specifically, the average proportion of industry added values of the target city in the last three years can be used as the industry weight of the corresponding industry; as the typing standards for dividing large, medium and small enterprises nationwide are unified, 2 ten thousand enterprises are randomly extracted nationwide by using a Bootstrap sampling method, the enterprises are divided into large, medium and small enterprises according to a statistical large, medium and small micro enterprise dividing method (2017), the registered capital sum of each group of enterprises is respectively calculated, and the scale weight of each scale dimension is determined according to the ratio of the registered capital sum of each group of enterprises to the number of all sample enterprises; and taking the industry weight of each industry and the scale weight of each scale dimension as the category weight of the corresponding category.
And calling a city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
Optionally, in a specific embodiment, the step of calling the city credit index model through a fifth API interface to calculate the city credit index of the target city includes:
calling a classification submodel through a fifth API (application program interface) to classify a plurality of sample enterprises into a plurality of classes;
calling a category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, and taking the mean value as the category credit score of the corresponding category;
calling a category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
and calculating the city credit index of the target city according to the category credit scores of the categories and the category weights of the categories.
Specifically, if the category credit score of the category j is set to Sj，CiCity credit index, ω, for target city ijFor class weight of class j, then:
Figure BDA0002823885120000251
the embodiment of the application provides a city credit index calculation system, a method, electronic equipment and a storage medium, which start from enterprise credit comprehensive scoring, reflect the credit level of an enterprise credit subject according to classification perspectives such as regions, industries, enterprise scales and the like, consider the influence of enterprise credits of various industries and scales on the city credit index, and improve the accuracy and reliability of the obtained city credit index.
Example four
An embodiment of the present application provides a storage medium, where a computer program is stored on the storage medium, and when a processor executes the computer program, the method according to the second embodiment is implemented.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially 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.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (10)

1. A city credit index calculation system, the city credit index calculation system being disposed on a backend server, the city credit index calculation system comprising:
the first API interface is used for acquiring all enterprise information of a target city;
the sampling unit is provided with a second API (application program interface) interface, and the second API interface is used for receiving all enterprise information of the target city sent by the first API interface, so that the sampling unit samples all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
an enterprise credit index calculation unit, configured with a third API interface, where the third API interface is configured to receive the plurality of sample enterprise information sent by the second API interface, so that the enterprise credit index calculation unit calculates an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
the city credit index model building unit is configured with a fourth API (application programming interface) interface, and the fourth API interface is used for receiving the enterprise credit indexes of the plurality of sample enterprises sent by the third API interface, so that the city credit index model building unit builds a city credit index model according to the enterprise credit indexes of the plurality of sample enterprises;
the city credit index calculation unit is configured with a fifth API interface, and calls the city credit index model to calculate the city credit index of the target city through the fifth API interface.
2. The city credit index calculation system of claim 1, wherein the enterprise credit index calculation unit comprises:
the enterprise credit scoring model establishing subunit is used for acquiring the plurality of sample enterprise information through the third API interface and establishing an enterprise credit scoring model according to the sample enterprise information;
and the enterprise credit index calculation subunit is configured with a sixth API interface, and calls the enterprise credit scoring model to calculate the enterprise credit index of each sample enterprise through the sixth API interface.
3. The city credit index computing system of claim 2, wherein the enterprise credit scoring model comprises:
the tax scoring sub-model is used for acquiring the information of the plurality of sample enterprises through the third API interface and calculating the tax score of each sample enterprise according to the information of the plurality of sample enterprises, and the tax score is used for indicating the tax risk of the sample enterprise;
the business and industry grade submodel is used for acquiring the information of the plurality of sample enterprises through the third API interface and calculating the business and industry grade of each sample enterprise according to the information of the plurality of sample enterprises, and the business and industry grade is used for indicating the business and industry risks of the sample enterprises;
a judicial scoring sub-model, configured to obtain the information of the plurality of sample enterprises through the third API interface and calculate a judicial score of each sample enterprise according to the information, where the judicial score is used to indicate a judicial risk of the sample enterprise;
a customs score sub-model, configured to obtain the sample enterprise information through the third API interface and calculate a customs score of each sample enterprise according to the sample enterprise information, where the customs score is used to indicate a customs risk of the sample enterprise;
and the other scoring sub-model is used for acquiring the plurality of sample enterprise information through the third API interface and calculating other scores of each sample enterprise according to the sample enterprise information, and the other scores are used for indicating other risks of the sample enterprises.
4. The city credit index calculation system of claim 3, wherein invoking the enterprise credit scoring model through the sixth API interface to calculate an enterprise credit index for each of the sample enterprises comprises:
calling the tax scoring sub-model through the sixth API interface to calculate the tax score of each sample enterprise;
calculating the business score of each sample enterprise through the business score submodel of the sixth API interface;
calling the judicial scoring sub-model through the sixth API interface to calculate the judicial scoring of each sample enterprise;
calling the customs scoring sub-model through the sixth API interface to calculate the customs score of each sample enterprise;
calling the other scoring sub-model through the sixth API interface to calculate other scores of each sample enterprise;
and calculating the enterprise credit index of each sample enterprise according to the tax score, the business score, the judicial score, the customs score and other scores.
5. The city credit index calculation system of claim 1, wherein the city credit index model comprises:
the classification submodel is used for acquiring the information of the plurality of sample enterprises through the fourth API interface and classifying the plurality of sample enterprises into a plurality of categories according to industry and scale classification indexes;
the category credit score calculation submodel is used for calculating the mean value of the enterprise credit indexes of the sample enterprises in each category according to the sample enterprises in the plurality of categories and taking the mean value as the category credit score of the corresponding category;
and the category weight calculation submodel is used for calculating the category weight of each category according to the sample enterprises of the categories.
6. The city credit index calculation system of claim 5, wherein calculating a category weight for each of the categories based on the plurality of categories of sample businesses comprises:
dividing the plurality of sample enterprises into a plurality of industries according to an industry classification index;
dividing the plurality of sample enterprises into a plurality of scales according to the scale classification indexes;
calculating the industry weight of each industry and the scale weight of each scale;
and calculating the product of the industry weight of each industry and the scale weight of each scale as the class weight of the corresponding class.
7. The city credit index calculation system of claim 5, wherein invoking the city credit index model through a fifth API interface to calculate the city credit index for the target city comprises:
calling the classification submodel through a fifth API (application program interface) to classify the sample enterprises into a plurality of classes;
calling the category credit score calculation submodel through a fifth API (application program interface) to calculate the mean value of the enterprise credit indexes of the sample enterprises in each category, wherein the mean value is used as the category credit score of the corresponding category;
calling the category weight calculation submodel through a fifth API (application program interface) to calculate the category weight of each category;
calculating a city credit index for the target city according to the category credit scores of the plurality of categories and the category weights of the plurality of categories.
8. A city credit index calculation method is characterized by comprising the following steps:
acquiring all enterprise information of a target city through a first API (application program interface);
receiving all enterprise information of a target city sent by the first API through a second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
receiving the plurality of sample enterprise information sent by the second API through a third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
receiving the enterprise credit indexes of the plurality of sample enterprises sent by the third API through a fourth API, and establishing a city credit index model according to the enterprise credit indexes of the plurality of sample enterprises;
and calling the city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
9. An electronic device comprising a memory and a processor, the memory having an executable program stored thereon, the processor executing the executable program to perform the steps of:
acquiring all enterprise information of a target city through a first API (application program interface);
receiving all enterprise information of a target city sent by the first API through a second API, and sampling all enterprise information of the target city to obtain a plurality of sample enterprise information of the target city;
receiving the plurality of sample enterprise information sent by the second API through a third API, and calculating an enterprise credit index of each sample enterprise according to the plurality of sample enterprise information;
receiving the enterprise credit indexes of the plurality of sample enterprises sent by the third API through a fourth API, and establishing a city credit index model according to the enterprise credit indexes of the plurality of sample enterprises;
and calling the city credit index model through a fifth API (application program interface) interface to calculate the city credit index of the target city.
10. A storage medium, characterized in that the storage medium has stored thereon a computer program which, when executed by a processor, carries out the method according to any one of claims 8-14.
CN202011423942.2A 2020-12-08 2020-12-08 Urban credit index calculation system, method, electronic device and storage medium Active CN112561277B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202011423942.2A CN112561277B (en) 2020-12-08 2020-12-08 Urban credit index calculation system, method, electronic device and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202011423942.2A CN112561277B (en) 2020-12-08 2020-12-08 Urban credit index calculation system, method, electronic device and storage medium

Publications (2)

Publication Number Publication Date
CN112561277A true CN112561277A (en) 2021-03-26
CN112561277B CN112561277B (en) 2024-02-20

Family

ID=75059649

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202011423942.2A Active CN112561277B (en) 2020-12-08 2020-12-08 Urban credit index calculation system, method, electronic device and storage medium

Country Status (1)

Country Link
CN (1) CN112561277B (en)

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090198629A1 (en) * 2008-02-06 2009-08-06 Algorithmics Software Llc Systems and methods for compound risk factor sampling with integrated market and credit risk
US20090276233A1 (en) * 2008-05-05 2009-11-05 Brimhall Jeffrey L Computerized credibility scoring
US8386377B1 (en) * 2003-05-12 2013-02-26 Id Analytics, Inc. System and method for credit scoring using an identity network connectivity
US20150154698A1 (en) * 2013-12-03 2015-06-04 Credibility Corp. Hybridization of Personal and Business Credit and Credibility
CN108053094A (en) * 2017-11-15 2018-05-18 九次方大数据信息集团有限公司 A kind of weight grade evaluation method and system
CN109993412A (en) * 2019-03-01 2019-07-09 百融金融信息服务股份有限公司 The construction method and device of risk evaluation model, storage medium, computer equipment
CN110264022A (en) * 2018-10-23 2019-09-20 爱信诺征信有限公司 Enterprise vitality evaluation method and its device
CN112017040A (en) * 2020-10-16 2020-12-01 银联商务股份有限公司 Credit scoring model training method, scoring system, equipment and medium

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8386377B1 (en) * 2003-05-12 2013-02-26 Id Analytics, Inc. System and method for credit scoring using an identity network connectivity
US20090198629A1 (en) * 2008-02-06 2009-08-06 Algorithmics Software Llc Systems and methods for compound risk factor sampling with integrated market and credit risk
US20090276233A1 (en) * 2008-05-05 2009-11-05 Brimhall Jeffrey L Computerized credibility scoring
US20150154698A1 (en) * 2013-12-03 2015-06-04 Credibility Corp. Hybridization of Personal and Business Credit and Credibility
CN108053094A (en) * 2017-11-15 2018-05-18 九次方大数据信息集团有限公司 A kind of weight grade evaluation method and system
CN110264022A (en) * 2018-10-23 2019-09-20 爱信诺征信有限公司 Enterprise vitality evaluation method and its device
CN109993412A (en) * 2019-03-01 2019-07-09 百融金融信息服务股份有限公司 The construction method and device of risk evaluation model, storage medium, computer equipment
CN112017040A (en) * 2020-10-16 2020-12-01 银联商务股份有限公司 Credit scoring model training method, scoring system, equipment and medium

Also Published As

Publication number Publication date
CN112561277B (en) 2024-02-20

Similar Documents

Publication Publication Date Title
CN109409677A (en) Enterprise Credit Risk Evaluation method, apparatus, equipment and storage medium
CN104321794B (en) A kind of system and method that the following commercial viability of an entity is determined using multidimensional grading
CN109389321B (en) Item list classification method and device
CN112256762B (en) Enterprise portrait method, system, equipment and medium based on industrial map
CN110930250A (en) Enterprise credit risk prediction method and system, storage medium and electronic equipment
CN111401777A (en) Enterprise risk assessment method and device, terminal equipment and storage medium
CN112053061A (en) Method and device for identifying surrounding label behaviors, electronic equipment and storage medium
CN111612627A (en) Method for evaluating bond risk influence indexes
CN112102006A (en) Target customer acquisition method, target customer search method and target customer search device based on big data analysis
CN111581222A (en) Correlation analysis method and device of business data, computer equipment and computer storage medium
CN112950359B (en) User identification method and device
CN113283806A (en) Enterprise information evaluation method and device, computer equipment and storage medium
CN115204881A (en) Data processing method, device, equipment and storage medium
CN112464051A (en) Abnormal data detection method and device and computer readable storage medium
WO2019196502A1 (en) Marketing activity quality assessment method, server, and computer readable storage medium
CN110796381A (en) Method and device for processing evaluation indexes of modeling data, terminal equipment and medium
CN107844874A (en) Enterprise operation problem analysis system and its method
CN114398562B (en) Shop data management method, device, equipment and storage medium
CN112561277A (en) City credit index calculation system, city credit index calculation method, electronic device, and storage medium
CN115809930A (en) Anti-fraud analysis method, device, equipment and medium based on data fusion matching
CN115759014A (en) Dynamic intelligent analysis method and system and electronic equipment
CN111461474A (en) Risk level determination method and related equipment
CN114092230A (en) Data processing method and device, electronic equipment and computer readable medium
CN112598499A (en) Method and device for determining credit limit
CN113505117A (en) Data quality evaluation method, device, equipment and medium based on data indexes

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant