CN112686553A - Enterprise automatic rating management system, method, server and readable storage device - Google Patents
Enterprise automatic rating management system, method, server and readable storage device Download PDFInfo
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Abstract
The invention provides an enterprise automatic rating management system, a method and a readable storage device, wherein the system comprises: the channel layer is used for receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform; the interface layer is used for receiving the channel layer information and providing a corresponding external system call inlet; the application layer carries out classified management and calculation through the received external information and the information indexes; the index layer processes the calculation result in the application layer to obtain financial, credit and industry and commerce indexes; and the data access layer accesses financial data, business data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises and compares the financial data, the business data, the credit investigation data, the industry/region data and the user basic information data with index information output by the index layer.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the technical field of enterprise evaluation, in particular to an enterprise automatic rating management system, an enterprise automatic rating management method, a server and a readable storage device.
[ background of the invention ]
Enterprises are generally provided with quantitative scoring systems, mainly aiming at improving the market competitiveness of the enterprises, promoting social credit and reducing transaction cost, however, various data analysis and evaluation can not be carried out on the invested enterprises aiming at investment decisions of the invested enterprises. At present, a single data source is often adopted to train and construct an assessment model to perform investment value assessment operation on an invested enterprise, however, the reliability of the assessment model constructed based on the training of the single data source is difficult to guarantee, so that the reliability of an investment value assessment result for the invested enterprise is low.
Meanwhile, when the existing enterprise scoring system scores and grades, on one hand, the source data is not comprehensive and accurate enough, so that the obtained original enterprise data is not real enough; on the other hand, the obtained original enterprise data and the corresponding field cannot be subjected to correlation reference, so that the scoring rating cannot truly reflect the condition of the enterprise in the corresponding field.
Accordingly, there is a need to develop an enterprise automatic rating management system, method, server and readable storage device that address the deficiencies of the prior art to address or mitigate one or more of the problems set forth above.
[ summary of the invention ]
In view of the above, the invention provides an enterprise automatic rating management system, method, server and readable storage device, the product supports distributed cloud deployment, each service module can be deployed independently and respectively, the expansion is easy, and the product is developed based on a distributed framework TESLA, and can be developed in a fast iterative manner and meet corresponding requirements.
In one aspect, the present invention provides an enterprise automatic rating management system, comprising:
the channel layer is used for receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform;
the interface layer is used for receiving the channel layer information and providing a corresponding external system call inlet;
the application layer carries out classified management and calculation through the received external information and the information indexes;
the index layer processes the calculation result in the application layer to obtain financial, credit and industry and commerce indexes;
and the data access layer accesses financial data, business data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises and compares the financial data, the business data, the credit investigation data, the industry/region data and the user basic information data with index information output by the index layer.
The above aspects and any possible implementation further provide an implementation in which the channel layer includes an employee channel module, an internet channel module, and a third party platform module;
the employee channel module is used for accessing operation information of management and control employees;
the Internet channel module is used for accessing enterprise related information in the Internet;
the third-party platform module is used for accessing the information to be inquired input by the user.
The above-described aspects and any possible implementations further provide an implementation, where the application layer includes:
the system management module comprises an organization management unit, a user management unit, a role management unit, a permission management unit and a menu management unit;
the service configuration module comprises a parameter management unit, a customized page management unit and a factor management unit;
the model management module comprises a rating object type management unit, a rating model classification management unit, a rating model and an additional information relation management unit;
the quota management module comprises a quota model management unit, a quota parameter management unit, a group client quota management unit and a single client quota management unit;
the financial and newspaper management comprises a financial and newspaper template type management unit, a report template management unit and a template classification management unit;
index management, including original index management unit, composite index management unit, service index management unit;
metadata management, including a client metadata unit, a worker and merchant metadata unit and a credit investigation metadata management unit;
the statistical query module comprises a client rating unit, a quota query unit and a client quota information query unit;
and the operation management module is used for enabling a client to automatically input the basic information, the business information and the credit investigation information of the enterprise, initiating rating and obtaining the grade and the quota information of the enterprise.
The above-described aspects and any possible implementations further provide an implementation in which the index layer includes:
the service index processing module comprises a rating service index unit;
the composite index processing module comprises a financial composite index, a credit investigation composite index and an industrial and commercial composite index;
and the original index processing module comprises financial original indexes, credit investigation original indexes and industrial and commercial original indexes.
The above aspects and any possible implementations further provide an implementation where the data accessed by the data access layer includes financial data, business data, credit investigation data, industry/region data, and customer basic information.
The above aspects and any possible implementation manners further provide an implementation manner, where the interface layer includes a rating model query and maintenance unit, a financial statement query and maintenance unit, an index query and maintenance unit, a rating trial operation service unit, and a financial statement operation service unit;
the above-described aspects and any possible implementation further provide a rating management method, the method comprising:
s1: receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform;
s2, receiving channel layer information and providing corresponding external system call entrance;
s3: carrying out classification management and calculation through the received external information and the information indexes;
s4: processing the calculation result of the information index to obtain financial, credit and industry and commerce indexes;
s5: and accessing financial data, industrial and commercial data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises, and simultaneously comparing the financial data, the industrial and commercial data, the credit investigation data, the industry/region data and the user basic information data with index information output by an index layer.
The above-described aspects and any possible implementations further provide an implementation in which the external information includes customer metadata, business metadata, credit assessment metadata, financial metadata, quota parameters, and rating parameters.
The above-described aspect and any possible implementation manner further provide a server, including: a memory, a processor, and an enterprise rating management program stored on the memory and operable on the processor, the enterprise rating management program when executed by the processor implementing the steps of the enterprise rating management method according to any of the preceding claims.
The above-described aspects and any possible implementation further provide a readable storage medium having stored thereon a computer program that, when executed by a processor, performs the steps of any of the enterprise rating management methods.
Compared with the prior art, the invention can obtain the following technical effects:
1): the invention solves the problems of incomplete information, unified information, distorted information, untimely information update and other data of the financial institution;
2): the invention provides powerful risk support for financial institutions under severe market competition, and reduces enterprise operation risk;
3): the method provides important risk factor data for the subsequent credit approval, quota management, loan pricing, risk early warning, value reduction and calculation, economic capital allocation and RAROC calculation of a financial institution;
4): the invention provides decision support for the financial institution management layer.
Of course, it is not necessary for any one product in which the invention is practiced to achieve all of the above-described technical effects simultaneously.
[ description of the drawings ]
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a system architecture diagram provided by one embodiment of the present invention;
FIG. 2 is a flow chart of the rating steps provided by one embodiment of the present invention;
FIG. 3 is a flow chart of the calculations provided by one embodiment of the present invention.
[ detailed description ] embodiments
For better understanding of the technical solutions of the present invention, the following detailed descriptions of the embodiments of the present invention are provided with reference to the accompanying drawings.
It should be understood that the described embodiments are only some embodiments of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the examples of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
The invention provides an enterprise automatic rating management system, a method, a server and a readable storage device, wherein a product supports distributed cloud deployment, all service modules can be deployed independently and easily, the product is developed based on a distributed framework TESLA, and rapid iterative development and rapid corresponding requirements can be carried out.
The invention relates to an enterprise automatic rating management system, which comprises:
the channel layer is used for receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform;
the interface layer is used for receiving the channel layer information and providing a corresponding external system call inlet;
the application layer carries out classified management and calculation through the received external information and the information indexes;
the index layer processes the calculation result in the application layer to obtain financial, credit and industry and commerce indexes;
and the data access layer accesses financial data, business data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises and compares the financial data, the business data, the credit investigation data, the industry/region data and the user basic information data with index information output by the index layer.
The channel layer comprises an employee channel module, an internet channel module and a third-party platform module;
the employee channel module is used for accessing operation information of management and control employees;
the Internet channel module is used for accessing enterprise related information in the Internet;
the third-party platform module is used for accessing the information to be inquired input by the user.
The application layer comprises:
the system management module comprises an organization management unit, a user management unit, a role management unit, a permission management unit and a menu management unit;
the service configuration module comprises a parameter management unit, a customized page management unit and a factor management unit;
the model management module comprises a rating object type management unit, a rating model classification management unit, a rating model and an additional information relation management unit;
the quota management module comprises a quota model management unit, a quota parameter management unit, a group client quota management unit and a single client quota management unit;
the financial and newspaper management comprises a financial and newspaper template type management unit, a report template management unit and a template classification management unit;
index management, including original index management unit, composite index management unit, service index management unit;
metadata management, including a client metadata unit, a worker and merchant metadata unit and a credit investigation metadata management unit;
the statistical query module comprises a client rating unit, a quota query unit and a client quota information query unit;
and the operation management module is used for enabling a client to automatically input the basic information, the business information and the credit investigation information of the enterprise, initiating rating and obtaining the grade and the quota information of the enterprise.
The index layer includes:
the service index processing module comprises a rating service index unit;
the composite index processing module comprises a financial composite index, a credit investigation composite index and an industrial and commercial composite index;
and the original index processing module comprises financial original indexes, credit investigation original indexes and industrial and commercial original indexes.
The data accessed by the data access layer comprises financial data, business data, credit investigation data, industry/region data and customer basic information. The interface layer comprises a rating model query and maintenance unit, a financial statement query and maintenance unit, an index query and maintenance unit, a rating trial operation service unit and a financial statement operation service unit.
A method of rating management, the method comprising the steps of:
s1: receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform;
s2, receiving channel layer information and providing corresponding external system call entrance;
s3: carrying out classification management and calculation through the received external information and the information indexes;
s4: processing the calculation result of the information index to obtain financial, credit and industry and commerce indexes;
s5: and accessing financial data, industrial and commercial data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises, and simultaneously comparing the financial data, the industrial and commercial data, the credit investigation data, the industry/region data and the user basic information data with index information output by an index layer.
The external information comprises customer metadata, business metadata, credit investigation metadata, financial and newspaper metadata, quota parameters and rating parameters.
A server, the server comprising: a memory, a processor, and an enterprise rating management program stored on the memory and operable on the processor, the enterprise rating management program when executed by the processor implementing the steps of the enterprise rating management method according to any of the preceding claims.
A readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of any of the enterprise rating management methods.
The enterprise automatic rating management system of the invention adopts advanced methods, big data and other advanced technologies to collect and analyze the business activity data of the client, and carries out automatic objective evaluation on the enterprise through a rating engine, thereby grasping the credit condition of the enterprise and improving the risk management level of financial institutions. Specifically, the financial factors and the non-financial factors of the enterprise are respectively scored, then weighted calculation is carried out, the rating score of the enterprise is finally obtained, and the rating result (such as AA +, default probability, enterprise quota and the like) of the enterprise is determined according to the grade range of the score.
The functional architecture diagram of the system of the present invention is shown in fig. 1, and the system mainly comprises 5 layers, namely a channel layer, an interface layer, an application layer, an index layer and a data access layer.
Channel layer: the system mainly comprises an employee channel, an internet channel and a third-party platform.
Interface layer: the method mainly provides a channel layer and an external system calling inlet, and mainly comprises maintenance of a rating model, rating calculation initiation, financial statement maintenance and the like.
An application layer: the method mainly comprises system management, service configuration, model management, quota management, financial and newspaper management, index management and runtime management, and is detailed as follows:
and (3) system management: including organization management, user management, role management, license management, menu management.
Service configuration: the method comprises parameter management, customized page management and factor management.
Model management: the method comprises the steps of rating object type management, rating model classification management, rating model management and relation management of a rating model and additional information.
Quota management: the method comprises quota model management, quota parameter management, group client quota management and single client quota management.
And (4) financial and newspaper management: the method comprises the steps of financial and newspaper template type management, report template management and template classification management.
Index management: the method comprises original index management, composite index management and service index management.
Metadata management: including customer metadata, business metadata, credit metadata management.
A statistic query module: customer rating and quota queries, customer quota information queries.
And managing during operation, wherein a client can automatically input basic information, business information and credit investigation information of the enterprise, initiate rating and obtain the enterprise grade and quota information.
An index layer: the system mainly comprises three layers, namely an original index layer processing layer, a composite index processing layer and a service index processing layer. The index layer depends on the original data.
A data access layer: the method mainly comprises the access of external data, financial data, industrial and commercial data and credit investigation data.
The rating management steps of the invention are as follows:
1. metadata preparation
1) Customer metadata preparation, rating related information of main customer types, usage accounting systems, national standard industries and the like.
2) Preparing business metadata, and obtaining client business information including enterprise basic information, change information, administrative penalty information, enterprise external investment information, enterprise corporate external investment information, stockholder and capital information and stockholder freezing information.
3) The information element data preparation is characterized in that client credit investigation report information comprises credit report type, credit report number, system inquiry date, institution credit code, enterprise property, inquiry institution code, unbundled credit information abstract, service for settlement, bad service, concerned service, normal service and external guarantee information.
4) Preparing financial report metadata, and the financial report information of the client, including an asset liability statement, a profit and loss statement, a cash flow statement and the like.
5) Preparing quota parameters and rating parameters, wherein the quota parameters and the rating parameters comprise client financing industry occupation ratio parameters, industry leverage ratio parameters, industry asset liability rate upper limit parameters, industry adjustment coefficient parameters, industry interest debt structure ratio parameters and rating grade parameters.
2. Factor preparation
1) The factors are distinguished according to four types of industry and commerce, credit investigation, finance and additional recording.
2) The table field level factor configuration information is generated according to the table structure information of the metadata, the table name, the field name, the attribute name, the full qualified name and the query condition information are mainly configured, and the index can query the metadata information according to the full qualified name to provide basic data.
3) The query condition configuration field name, the attribute name and the query operational character, and the system can automatically assemble the query statement according to the query condition configuration.
3. Index preparation
1) The indexes are divided into atomic indexes, composite indexes and service indexes, and classified configuration is carried out according to the multiplexing degree of the indexes.
2) The indexes can be divided into four categories of financial, industry and commerce, credit investigation and additional information according to the types of information sources, and the indexes are distinguished by configuring the types of required factors according to the indexes.
3) And configuring information such as index names, index full-limit names, index calculation formulas and the like according to indexes required by the rating model.
4. Rating model preparation
1) The classification is carried out according to the classification of the rating model, and the classification can be carried out according to dimensions of large and small enterprises, industries and the like.
2) Adding a method list required by model operation, wherein each method comprises a method name, a method type, a method file, a method parameter, a special value, relationship information between methods and weight information.
3) For a quantitative method, a calculation formula of the method needs to be configured, and the calculation formula can only refer to service indexes and lower-level method data.
5. Executing a computing engine
The calculation flow chart is shown in fig. 3.
1) And matching the rating model according to the information such as the industry, scale, establishment time and the like of the client.
2) And acquiring the business information, credit investigation information and financial information according to the rating period.
3) And acquiring information needing to be added according to the model.
4) And grading the quantitative indexes and the qualitative indexes, and weighting to obtain the score of the rating model.
5) And obtaining the grade according to the model score mapping.
6) And (4) limiting and adjusting item evaluation, and performing grade limitation and amplitude adjustment on the grade of the model to obtain the final grade.
7) And calculating the client quota according to the quota parameter information, the financial report information and the client grade.
The system of the invention comprises:
1. the product supports distributed cloud deployment, and each service module can be deployed independently and is easy to expand.
2. Supporting multiple tenants.
3. The product is developed based on a distributed framework TESLA, and can be subjected to rapid iterative development and rapid corresponding requirements.
4. The product support model comprises dynamic configuration, versioning management and visualization management.
5. Perfect data quality promotion management function.
6. The method meets the requirements on a public rating framework system, and realizes the risk control requirements of rating template configuration, core parameter calculation and calculation result application.
7. And providing a model optimization idea combined with external data based on big data.
8. The model supports flexible configuration and retains the corresponding relationship of the rating data.
The foregoing describes in detail an enterprise automatic rating management system, method, server and readable storage device provided in the embodiments of the present application. The above description of the embodiments is only for the purpose of helping to understand the method of the present application and its core ideas; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
As used in the specification and claims, certain terms are used to refer to particular components. As one skilled in the art will appreciate, manufacturers may refer to a component by different names. This specification and claims do not intend to distinguish between components that differ in name but not function. In the following description and in the claims, the terms "include" and "comprise" are used in an open-ended fashion, and thus should be interpreted to mean "include, but not limited to. "substantially" means within an acceptable error range, and a person skilled in the art can solve the technical problem within a certain error range to substantially achieve the technical effect. The description which follows is a preferred embodiment of the present application, but is made for the purpose of illustrating the general principles of the application and not for the purpose of limiting the scope of the application. The protection scope of the present application shall be subject to the definitions of the appended claims.
It is also noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a good or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such good or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a commodity or system that includes the element.
It should be understood that the term "and/or" as used herein is merely one type of association that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.
The foregoing description shows and describes several preferred embodiments of the present application, but as aforementioned, it is to be understood that the application is not limited to the forms disclosed herein, but is not to be construed as excluding other embodiments and is capable of use in various other combinations, modifications, and environments and is capable of changes within the scope of the application as described herein, commensurate with the above teachings, or the skill or knowledge of the relevant art. And that modifications and variations may be effected by those skilled in the art without departing from the spirit and scope of the application, which is to be protected by the claims appended hereto.
Claims (10)
1. An enterprise automatic rating management system, the system comprising:
the channel layer is used for receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform;
the interface layer is used for receiving the channel layer information and providing a corresponding external system call inlet;
the application layer carries out classified management and calculation through the received external information and the information indexes;
the index layer processes the calculation result in the application layer to obtain financial, credit and industry and commerce indexes;
and the data access layer accesses financial data, business data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises and compares the financial data, the business data, the credit investigation data, the industry/region data and the user basic information data with index information output by the index layer.
2. The system of claim 1, wherein the channel layer comprises an employee channel module, an internet channel module, and a third party platform module;
the employee channel module is used for accessing operation information of management and control employees;
the Internet channel module is used for accessing enterprise related information in the Internet;
the third-party platform module is used for accessing the information to be inquired input by the user.
3. The system of claim 1, wherein the application layer comprises:
the system management module comprises an organization management unit, a user management unit, a role management unit, a permission management unit and a menu management unit;
the service configuration module comprises a parameter management unit, a customized page management unit and a factor management unit;
the model management module comprises a rating object type management unit, a rating model classification management unit, a rating model and an additional information relation management unit;
the quota management module comprises a quota model management unit, a quota parameter management unit, a group client quota management unit and a single client quota management unit;
the financial and newspaper management comprises a financial and newspaper template type management unit, a report template management unit and a template classification management unit;
index management, including original index management unit, composite index management unit, service index management unit;
metadata management, including a client metadata unit, a worker and merchant metadata unit and a credit investigation metadata management unit;
the statistical query module comprises a client rating unit, a quota query unit and a client quota information query unit;
and the operation management module is used for enabling a client to automatically input the basic information, the business information and the credit investigation information of the enterprise, initiating rating and obtaining the grade and the quota information of the enterprise.
4. The system of claim 1, wherein the index layer comprises:
the service index processing module comprises a rating service index unit;
the composite index processing module comprises a financial composite index, a credit investigation composite index and an industrial and commercial composite index;
and the original index processing module comprises financial original indexes, credit investigation original indexes and industrial and commercial original indexes.
5. The system of claim 1, wherein the data accessed by the data access layer comprises financial data, business data, credit investigation data, industry/region data, and customer base information.
6. The system of claim 1, wherein the interface layer comprises a rating model query and maintenance unit, a financial statement query and maintenance unit, an index query and maintenance unit, a rating trial operation service unit, and a financial statement operation service unit.
7. A rating management method comprising the system of one of the preceding claims 1 to 6, wherein the method comprises the steps of:
s1: receiving operation information of management and control personnel, enterprise related information in the Internet and information to be inquired input by a third-party platform;
s2, receiving channel layer information and providing corresponding external system call entrance;
s3: carrying out classification management and calculation through the received external information and the information indexes;
s4: processing the calculation result of the information index to obtain financial, credit and industry and commerce indexes;
s5: and accessing financial data, industrial and commercial data, credit investigation data, industry/region data and user basic information data which are directly reported by enterprises, and simultaneously comparing the financial data, the industrial and commercial data, the credit investigation data, the industry/region data and the user basic information data with index information output by an index layer.
8. The method of claim 7, wherein the external information comprises customer metadata, business metadata, credit metadata, financial metadata, quota parameters, and rating parameters.
9. A server, characterized in that the server comprises: a memory, a processor and an enterprise rating management program stored on the memory and operable on the processor, the enterprise rating management program when executed by the processor implementing the steps of the enterprise rating management method according to any of claims 7 to 8.
10. A readable storage medium, having stored thereon a computer program which, when being executed by a processor, carries out the steps of the enterprise rating management method according to any of the claims 7 to 8.
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| CN113516350A (en) * | 2021-04-21 | 2021-10-19 | 华能山东发电有限公司 | Intelligent three-creation rating system and method for power generation enterprise |
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