CN112580971A - Method and device for checking effectiveness of external institution rating - Google Patents
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Abstract
The invention discloses a method and a device for checking the effectiveness of external organization rating, and relates to the technical field of computers. The specific implementation mode of the method comprises the following steps: acquiring external rating data and internal service data; acquiring a supervision rule and a target supervision rating index; extracting result data of the target supervision rating index from the external rating data; calculating a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, wherein the weight of the target supervision rating index is preset; and generating a checking result of the effectiveness of the external rating data according to the correlation coefficient. The embodiment assists the supervision department to quickly and accurately judge the effectiveness of the external rating result, greatly reduces the time spent by the supervision personnel in searching and evaluating, achieves more objective evaluation, and reduces the probability of checking errors.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for checking the effectiveness of external institution rating.
Background
The current supervision of local financial institutions does not have mature conditions for fully implementing internal supervision and rating, and supervision departments allow the local financial institutions to use external rating results to replace daily supervision and rating. The traditional validation of the external rating result has few technical implementations, and mainly takes rating report analysis and evaluation as the main. Since human evaluation is easily disturbed by more subjective factors, a method for checking the validity of external rating results by human rating report analysis has not been fully approved.
The existing checking mode can only judge the rating effectiveness through business logic, but cannot establish scientific association between external rating and supervision rating. The authenticity of the rating data cannot be checked, and the invalid check result caused by data errors cannot be avoided.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for checking validity of external organization rating, which can utilize big data to solve validity checking of external rating result in local financial institution supervision. According to the embodiment of the invention, the association and weight relation between the supervision rating and the external rating result is established, and the relevance between the external rating result and the supervision rating is identified by combining the policy basis of rating, the index system of rating and the index and score influence of external rating from the intelligent matching angle according to the supervision data and the external rating information, so that the effectiveness of the external rating is inferred.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of checking validity of a rating of an external agency.
The method for checking the effectiveness of the rating of the external institution according to the embodiment of the invention comprises the following steps:
acquiring external rating data and internal service data;
acquiring a supervision rule and a target supervision rating index;
extracting result data of the target supervision rating index from the external rating data;
calculating a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, wherein the weight of the target supervision rating index is preset;
and generating a checking result of the effectiveness of the external rating data according to the correlation coefficient.
A method of checking the effectiveness of an external authority rating according to an embodiment of the invention, wherein the external rating data comprises data relating to one or more of at least:
supervisory objects, supervisory object types, external rating results, external rating indicators, indicator scores.
According to the method for checking the effectiveness of the rating of the external institution, the internal business data comprises the business data of the local financial institution which is operated in the current period and the business data of the supervision object.
A method of validity checking of external agency ratings according to an embodiment of the present invention, wherein the regulatory rules include existing regulatory requirements and policy interpretations.
A method of validity checking of external agency ratings according to an embodiment of the present invention, wherein the target regulatory rating indicator comprises one or more of at least:
trade contract, trade flow, administrative penalty, on-site inspection, financial subsidy, and listing and filing information.
According to the method for checking the effectiveness of the external institution rating, the target supervision rating index has different weights for different supervision objects.
According to the method for checking the effectiveness of the external organization rating, after the checking result of the effectiveness of the external rating data is generated according to the correlation coefficient, the method further comprises the following steps:
judging whether the external rating data is adopted as a supervision rating result and feeding back the supervision rating result to a supervision department and a supervision object;
and the supervision object reports the external rating data.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an apparatus for checking validity of rating of an external agency.
The device for checking the effectiveness of the external organization rating comprises an external rating information reading module, a verification module and a verification module, wherein the external rating information reading module is used for acquiring external rating data;
the supervision data reading module is used for acquiring internal service data;
the rating policy reading module is used for acquiring the supervision rules;
the supervision rating index extraction module is used for determining a target supervision rating index and extracting result data of the target supervision rating index from the external rating data;
a rating result correlation coefficient generating module, configured to calculate a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, where the weight of the target supervision rating index is preset;
and the rating validity evaluation module is used for generating a checking result of the external rating data validity according to the correlation coefficient.
According to the device for checking the effectiveness of the rating of the external organization, the external rating information reading module is specifically used for acquiring data related to at least one or more of the following items:
supervisory objects, supervisory object types, external rating results, external rating indicators, indicator scores.
According to the device for checking the effectiveness of the external institution rating, provided by the embodiment of the invention, the supervision data reading module is specifically used for acquiring the business data of the local financial institution in the current operation period and the business data of the supervision object.
The apparatus for checking the effectiveness of external agency ratings according to an embodiment of the present invention, wherein the regulatory rules include existing regulatory requirements and policy interpretations.
The apparatus for checking effectiveness of external agency rating according to the embodiment of the present invention, wherein the supervision rating index extraction module is specifically configured to determine result data of at least one or more of the following items:
trade contract, trade flow, administrative penalty, on-site inspection, financial subsidy, and listing and filing information.
The apparatus for checking the effectiveness of rating of an external agency according to an embodiment of the present invention further includes:
and the supervision rating weight module is used for acquiring the weight of the target supervision rating index, wherein the weight of the target supervision rating index is different for different supervision objects.
The apparatus for checking the effectiveness of the rating of the external institution according to the embodiment of the present invention, wherein the rating effectiveness evaluation module is further configured to:
judging whether the external rating data is adopted as a supervision rating result and feeding back the supervision rating result to a supervision department and a supervision object;
and the supervision object reports the external rating data.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an electronic device for checking validity of a rating of an external institution.
An electronic device for checking validity of a rating of an external institution according to an embodiment of the present invention includes:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method as in any one of the methods described above.
To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided a computer readable medium for checking the effectiveness of external agency ratings, having a computer program stored thereon, wherein the program, when executed by a processor, implements a method as set forth in any one of the methods described above.
One embodiment of the above invention has the following advantages or benefits: because the technical means of establishing the relevance between the external rating and the internal rating is adopted, the method helps a supervision department to quickly and accurately judge the effectiveness of the external rating result, greatly reduces the time spent by the supervision personnel in searching and evaluating, achieves more objective evaluation, and reduces the probability of checking errors.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main flow of a method of validity checking of external agency ratings according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of the major modules of an apparatus for the validation check of external agency ratings according to an embodiment of the present invention;
FIG. 3 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 4 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a method for checking the effectiveness of an external agency rating according to an embodiment of the present invention, and as shown in fig. 1, the method for checking the effectiveness of an external agency rating includes steps S101, S102, S103, S104, and S105.
Step S101: and acquiring external rating data and internal business data.
Where external rating data and internal business data for a certain supervisory object are obtained, respectively. In one embodiment, obtaining external rating data from a supervisory object includes, for example: supervisory objects (identification of supervisory object), supervisory object type, external rating results, external rating index, index score, etc. In one embodiment, obtaining the supervisory object refers to obtaining an identification of the supervisory object from external rating data. The administrative object may be a local financial institution (e.g., a bank) or one or more business units of the local financial institution.
Acquiring internal business data refers to acquiring data inside a supervised object for comparison with external data. For example, in the case where the administrative object is an entire local financial institution, the internal business data includes all the business data of the financial institution. For another example, when the object of supervision is a business unit inside the local financial institution, such as a loan business unit, the internal business data includes business data of the local operation of the entire local financial institution and business data of loan business
Step S102: and acquiring a supervision rule and a target supervision rating index.
In this step, a supervision rule and a supervision rating index are acquired. Regulatory rules include, for example, regulatory requirements and policy interpretations, etc. The policy and requirements of the line can be included, and the supervision requirements and normal interpretation of any other superior mechanism can also be included.
In which an index item of the target regulatory rating index is determined instead of the result value. The indicators include, for example, trade contracts, trade lines, administrative penalties, field inspections, financial subsidies, listing records information, and the like. According to actual needs, the checking can only spot check some indexes, the target supervision rating index can be all the index items, and one or more indexes can be selected from all the index items for checking.
Step S103: extracting result data of the one or more regulatory rating indicators from the external rating data.
As described in step S102, it is determined in step S102 which index items need to be checked, and in this step, result data corresponding to the index items is acquired.
For example, step S102 determines that the checking index item is a trade contract and an administrative penalty; then in step S103, only the result data of the trade contract and the administrative penalty need to be extracted from the external rating data. For another example, if step S102 determines that all the index items are to be checked, step S103 needs to extract all the index items from the external rating data.
Step S104: and calculating a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, wherein the weight of the target supervision rating index is preset.
In one embodiment, the weight of each supervision rating index is preset, and the weight can be set through a configuration file or through user input. Wherein the weight of each regulatory rating indicator may be different for different regulatory objects.
In one example, for example, if the administrative object is a counter business, then the transaction running indicator may be weighted high, the financial subsidy indicator may be weighted low, and no listing record indicator is used; the monitoring object is the internal financial management business of the local financial institution, so the financial subsidy index can be set as high weight, the transaction flow is also set as high weight, and the listing and filing index is adopted and set as low weight.
In this step, a correlation coefficient of the rating result is calculated according to the weight of the target supervision rating index and the result data of the target supervision rating index.
For example, the product of the result of the supervised rating measure and the weight, as the correlation coefficient. Or any other effective algorithm to calculate the correlation coefficient.
In one embodiment, the association coefficient may be obtained by calculating an internal score according to the internal traffic data in combination with the index weight, calculating an external score according to the external rating result in combination with the index weight, and comparing the internal score and the external score, respectively.
Step S105: and generating a checking result of the effectiveness of the external rating data according to the correlation coefficient.
In the step, a checking result of the external rating validity is generated according to the correlation coefficient, and whether the external rating data is adopted as a supervision rating result is judged and fed back to a supervision department and a supervision object. For example, the result of the verification exceeds a certain threshold score, i.e. can be adopted; if below the threshold score, no adoption is made. And the supervision object reports the external rating data.
Fig. 2 is a schematic diagram of the main modules of an apparatus for checking the effectiveness of external agency ratings according to an embodiment of the present invention.
An external rating information reading module 201, configured to obtain external rating data;
the supervision data reading module 202 is used for acquiring internal service data;
a rating policy reading module 203 for acquiring a supervision rule;
a supervision rating index extraction module 204, configured to determine a target supervision rating index, and extract result data of the target supervision rating index from the external rating data;
a rating result correlation coefficient generating module 205, configured to calculate a correlation coefficient of a rating result according to a weight of the target supervision rating index and result data of the target supervision rating index, where the weight of the target supervision rating index is preset by the supervision rating weight module 207;
and the rating validity evaluation module 206 is configured to generate a checking result of the validity of the external rating data according to the correlation coefficient.
Wherein the external rating information reading module 201 is specifically configured to obtain data related to one or more of at least:
supervisory objects, supervisory object types, external rating results, external rating indicators, indicator scores.
The monitoring data reading module 202 is specifically configured to obtain business data of the local financial institution in the current period and business data of the monitored object.
The policy rating reading module 203 is specifically configured to obtain the existing regulatory requirement and the policy interpretation.
Wherein the regulatory rating indicator extraction module 204 is specifically configured to determine result data of at least one or more of the following:
trade contract, trade flow, administrative penalty, on-site inspection, financial subsidy, and listing and filing information.
A supervision rating weighting module 207, configured to obtain a weighting of the target supervision rating indicator, where the weighting of the target supervision rating indicator is different for different supervision objects.
Wherein the rating validity evaluation module 206 is further configured to:
judging whether the external rating data is adopted as a supervision rating result and feeding back the supervision rating result to a supervision department and a supervision object;
and the supervision object reports the external rating data.
It should be noted that the modules of the above devices are only exemplary representations of the implementation of the virtual device functions, and do not limit the embodiments of the present invention. The device embodiment of the invention can realize the method described in any one of the method embodiments.
Fig. 3 illustrates an exemplary system architecture 300 to which the method of validity checking for external agency ratings or the apparatus of validity checking for external agency ratings of embodiments of the present invention may be applied.
As shown in fig. 3, the system architecture 300 may include terminal devices 301, 302, 303, a network 304, and a server 305. The network 304 serves as a medium for providing communication links between the terminal devices 301, 302, 303 and the server 305. Network 304 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal device 301, 302, 303 to interact with the server 305 via the network 304 to receive or send messages or the like. The terminal devices 301, 302, 303 may have installed thereon various communication client applications, such as an external rating verification application, a web browser application, a search-type application, an instant messaging tool, a mailbox client, social platform software, and the like.
The terminal devices 301, 302, 303 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 305 may be a server providing various services, such as a background management server (for example only) providing support for external rating verification applications browsed by users using the terminal devices 301, 302, 303. The background management server can analyze and process the received data such as the query request and feed back the processing result to the terminal equipment.
It should be noted that the method for checking the effectiveness of the external agency rating provided by the embodiment of the present invention is generally executed by the server 305, and accordingly, a device for checking the effectiveness of the external agency rating is generally disposed in the server 305.
It should be understood that the number of terminal devices, networks, and servers in fig. 3 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 4, a block diagram of a computer system 400 suitable for use with a terminal device implementing an embodiment of the invention is shown. The terminal device shown in fig. 4 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 4, the computer system 400 includes a Central Processing Unit (CPU)401 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for the operation of the system 400 are also stored. The CPU 401, ROM 402, and RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output section 407 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 408 including a hard disk and the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. A driver 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 410 as necessary, so that a computer program read out therefrom is mounted into the storage section 408 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 409, and/or installed from the removable medium 411. The computer program performs the above-described functions defined in the system of the present invention when executed by a Central Processing Unit (CPU) 401.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an external rating information reading module, a regulatory data reading module, a rating policy reading module, and the like. The names of these modules do not constitute a limitation to the module itself in some cases, and for example, the external rating information reading module may also be described as a "module that acquires external rating data".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more programs, cause the one or more processors to implement a method for validity checking of external agency ratings, comprising:
acquiring external rating data and internal service data;
acquiring a supervision rule and a target supervision rating index;
extracting result data of the target supervision rating index from the external rating data;
calculating a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, wherein the weight of the target supervision rating index is preset;
and generating a checking result of the effectiveness of the external rating data according to the correlation coefficient.
Wherein the external rating data comprises data relating to one or more of at least:
supervisory objects, supervisory object types, external rating results, external rating indicators, indicator scores.
The internal business data comprises the business data of the local financial institution in the current period and the business data of the supervision object.
Wherein the regulatory rules include existing regulatory requirements and policy interpretations.
Wherein the target regulatory rating indicator comprises one or more of at least:
trade contract, trade flow, administrative penalty, on-site inspection, financial subsidy, and listing and filing information.
Wherein the target regulatory rating indicator is weighted differently for different regulatory objects.
After generating the checking result of the external rating data validity according to the correlation coefficient, the method further comprises the following steps:
judging whether the external rating data is adopted as a supervision rating result and feeding back the supervision rating result to a supervision department and a supervision object;
and the supervision object reports the external rating data.
According to the technical scheme of the embodiment of the invention, the relevance between the external rating and the internal rating model can be quickly established by using the supervision data. The method and the device for effectively checking the external organization rating can assist a supervision department to quickly and accurately judge the effectiveness of the external rating result, greatly reduce the time spent by the supervision personnel in searching and evaluating, make the evaluation more objective and reduce the probability of checking errors.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (16)
1. A method of verifying the effectiveness of ratings from external agencies, comprising:
acquiring external rating data and internal service data;
acquiring a supervision rule and a target supervision rating index;
extracting result data of the target supervision rating index from the external rating data;
calculating a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, wherein the weight of the target supervision rating index is preset;
and generating a checking result of the effectiveness of the external rating data according to the correlation coefficient.
2. The method of claim 1, wherein the external rating data comprises data relating to one or more of at least:
supervisory objects, supervisory object types, external rating results, external rating indicators, indicator scores.
3. The method of claim 1, wherein the internal business data comprises business data of local financial institutions operating at present and business data of administrative objects.
4. The method of claim 1, wherein the regulatory rules include existing regulatory requirements and policy interpretations.
5. The method of claim 1, wherein the target regulatory rating indicator comprises one or more of at least:
trade contract, trade flow, administrative penalty, on-site inspection, financial subsidy, and listing and filing information.
6. The method of claim 5, wherein the target regulatory rating indicator is weighted differently for different regulatory objects.
7. The method of claim 1, further comprising, after generating the result of checking the external rating data validity according to the correlation coefficient:
judging whether the external rating data is adopted as a supervision rating result and feeding back the supervision rating result to a supervision department and a supervision object;
and the supervision object reports the external rating data.
8. An apparatus for verifying the effectiveness of ratings of external agencies, comprising
The external rating information reading module is used for acquiring external rating data;
the supervision data reading module is used for acquiring internal service data;
the rating policy reading module is used for acquiring the supervision rules;
the supervision rating index extraction module is used for determining a target supervision rating index and extracting result data of the target supervision rating index from the external rating data;
a rating result correlation coefficient generating module, configured to calculate a correlation coefficient of a rating result according to the weight of the target supervision rating index and result data of the target supervision rating index, where the weight of the target supervision rating index is preset;
and the rating validity evaluation module is used for generating a checking result of the external rating data validity according to the correlation coefficient.
9. The apparatus according to claim 8, characterized in that the external rating information reading module is particularly adapted to obtain data related to at least one or more of the following:
supervisory objects, supervisory object types, external rating results, external rating indicators, indicator scores.
10. The apparatus according to claim 8, wherein the administration data reading module is specifically configured to obtain business data of a local financial institution that is currently running and business data of an administration object.
11. The apparatus of claim 8, wherein the regulatory rules include existing regulatory requirements and policy interpretations.
12. The apparatus of claim 8, wherein the regulatory rating indicator extraction module is specifically configured to determine result data for at least one or more of:
trade contract, trade flow, administrative penalty, on-site inspection, financial subsidy, and listing and filing information.
13. The apparatus of claim 8, further comprising:
and the supervision rating weight module is used for acquiring the weight of the target supervision rating index, wherein the weight of the target supervision rating index is different for different supervision objects.
14. The apparatus of claim 8, wherein the rating validity evaluation module is further configured to:
judging whether the external rating data is adopted as a supervision rating result and feeding back the supervision rating result to a supervision department and a supervision object;
and the supervision object reports the external rating data.
15. An electronic device for checking the effectiveness of ratings of external agencies, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
16. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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| US20170116560A1 (en) * | 2015-10-21 | 2017-04-27 | Built Technologies, Inc. | Real estate construction loan management system and method with field inspector interface and geotag verification |
| JP2018169873A (en) * | 2017-03-30 | 2018-11-01 | 株式会社 みずほ銀行 | Rating evaluation system, rating evaluation method, and rating evaluation program |
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