CN112862338A - Enterprise credit report acquisition method and related equipment - Google Patents
Enterprise credit report acquisition method and related equipment Download PDFInfo
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Abstract
The embodiment of the application discloses an enterprise credit report acquisition method, which is used for acquiring a credit report of a target enterprise. The method in the embodiment of the application comprises the following steps: obtaining authorization information of a target enterprise; acquiring operation data of the target enterprise based on the authorization information, wherein the operation data comprises tax-related data; arranging the operation data to obtain standard format data; and analyzing the standard format data to obtain a credit report of the target enterprise. According to the technical scheme, the embodiment of the application has the following advantages: according to the scheme, the authorization information of the target enterprise is obtained, the operation data of the target enterprise is obtained based on the authorization information, the operation data is sorted and analyzed, the credit evaluation report of the enterprise is finally obtained, the tax-related data of the target enterprise participates in the generation process of the credit report of the enterprise through the mode, the credit information of the target enterprise is evaluated from different angles, and the credibility and the usability of the credit report are improved.
Description
Technical Field
The embodiment of the application relates to the field of data analysis, in particular to an enterprise credit report acquisition method and related equipment
Background
Credit is a honor and protection of the trader's legitimate interests in the market economy, and is also a basic line of defense in avoiding trading risks under information asymmetry conditions. For enterprises, the credit conditions of upstream and downstream, namely suppliers and distributors, are of great significance in controlling the enterprise risk, improving the operational benefits of the enterprises and maintaining the good financial condition of the enterprises.
The credit report refers to a written report which is provided for authorized users after the credit rating service organization collects credit information from different channels in a legal way and arranges the credit information for processing. The method is characterized in that the information of the credit main body is recorded without modification and change, and the credit record is objective, fair and real.
However, for a general credit rating service organization, the way of acquiring information is single, and it is possible to acquire information including judicial information and external operating conditions of an enterprise through market research or other ways such as social records of other related companies, and analyze the information to obtain a credit analysis report for the enterprise.
Disclosure of Invention
A first aspect of an embodiment of the present application provides a method for acquiring an enterprise credit report, including:
obtaining authorization information of a target enterprise;
acquiring operation data of the target enterprise based on the authorization information, wherein the operation data comprises tax-related data;
arranging the operation data to obtain standard format data;
and analyzing the standard format data to obtain a credit report of the target enterprise.
Based on the method for acquiring an enterprise credit report provided by the first aspect of the embodiment of the present application, optionally, the acquiring authorization information of the target enterprise includes:
initiating a credit report acquisition request for the target enterprise, the credit report acquisition request including information of an initiator enterprise;
and sending the credit report acquisition request to the target enterprise so that the target enterprise returns authorization information.
Based on the method for acquiring an enterprise credit report provided in the first aspect of the embodiment of the present application, optionally, the sorting the business data to obtain data in a standard format includes:
and cleaning the data of the tax-related data, and sorting the tax-related data according to a preset rule to obtain the data in the standard format.
Based on the method for acquiring the enterprise credit report provided by the first aspect of the embodiment of the present application, optionally, the business data includes tax-related data, business-business data, judicial data, and credit investigation data of the target enterprise.
The analyzing the standard format data to obtain the credit report of the target enterprise includes:
analyzing the tax-related data, the industrial and commercial data, the judicial data and the credit investigation data based on a preset model to obtain the credit index of the target enterprise, wherein the credit index comprises: transaction behavior verification indexes, business and industry operation behavior verification indexes, judicial complaint verification indexes and anti-fraud verification indexes.
Based on the enterprise credit report obtaining method provided by the first aspect of the embodiment of the present application, optionally, the method further includes:
analyzing the credit index based on a preset model to obtain the risk level of the target enterprise;
based on the method for acquiring an enterprise credit report provided by the first aspect of the embodiment of the present application, optionally, the acquiring a credit report of the target enterprise includes:
and combining the credit index and the risk level of the target enterprise to obtain a credit report of the target enterprise.
Based on the method for acquiring an enterprise credit report provided in the first aspect of the embodiment of the present application, optionally, the analyzing the standard format data to acquire the credit report of the target enterprise includes:
adjusting a credit report of the target enterprise based on a provisioning relationship of an initiator enterprise with the target enterprise;
the provisioning relationship of the initiator enterprise with the target enterprise includes: the target enterprise is a provider of the initiator enterprise, or the target enterprise is a dealer of the initiator enterprise.
A second aspect of the embodiments of the present application provides an enterprise credit report acquisition device, including:
the acquisition unit is used for acquiring the authorization information of the target enterprise;
the acquisition unit is used for acquiring the operation data of the target enterprise based on the authorization information, wherein the operation data comprises tax-related data;
the arrangement unit is used for arranging the operation data to obtain standard format data;
and the analysis unit is used for analyzing the standard format data to obtain the credit report of the target enterprise.
Based on the enterprise credit reporting device provided in the second aspect of the embodiment of the present application, optionally, the obtaining unit includes:
the initiating subunit is used for initiating a credit report acquisition request for the target enterprise, wherein the credit report acquisition request comprises information of an initiator enterprise;
and the sending subunit is configured to send the credit report acquisition request to the target enterprise, so that the target enterprise returns authorization information.
Based on the enterprise credit reporting device provided in the second aspect of the embodiment of the present application, optionally, the sorting unit is specifically configured to: and cleaning the data of the tax-related data, and sorting the tax-related data according to a preset rule to obtain the data in the standard format.
Based on the enterprise credit reporting device provided in the second aspect of the embodiment of the present application, optionally, the business data includes tax-related data, industry and commerce data, judicial data, and credit investigation data of the target enterprise.
The analysis unit specifically includes: the verification index obtaining subunit is configured to analyze the duty-related data, the industry and commerce data, the judicial data, and the credit investigation data based on a preset model, and obtain a credit index of the target enterprise, where the credit index includes: transaction behavior verification indexes, business and industry operation behavior verification indexes, judicial complaint verification indexes and anti-fraud verification indexes.
Based on the enterprise credit reporting device provided in the second aspect of the embodiment of the present application, optionally, the analysis unit specifically includes:
the risk level obtaining subunit is used for analyzing the credit index based on a preset model to obtain the risk level of the target enterprise;
based on the enterprise credit reporting device provided in the second aspect of the embodiment of the present application, optionally, the analysis unit specifically includes:
and the merging subunit is used for merging the credit index and the risk level of the target enterprise to obtain a credit report of the target enterprise.
Based on the enterprise credit reporting device provided in the second aspect of the embodiment of the present application, optionally, the analysis unit specifically includes:
an adjustment subunit, configured to adjust the credit report of the target enterprise based on a supply relationship between an initiator enterprise and the target enterprise;
the provisioning relationship of the initiator enterprise with the target enterprise includes: the target enterprise is a provider of the initiator enterprise, or the target enterprise is a dealer of the initiator enterprise.
A third aspect of the embodiments of the present application provides an enterprise credit report acquiring apparatus, including:
the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;
the memory is a transient memory or a persistent memory;
the central processing unit is configured to communicate with the memory, and execute the instruction operations in the memory on the people counting device to execute the method according to any one of the first aspect of the embodiments of the present application.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium, including instructions, which, when executed on a computer, cause the computer to perform the method according to any one of the first aspects of embodiments of the present application.
A fifth aspect of embodiments of the present application provides a computer program product containing instructions, which when executed on a computer, cause the computer to perform the method according to any one of the first aspect of embodiments of the present application.
According to the technical scheme, the embodiment of the application has the following advantages: according to the scheme, the authorization information of the target enterprise is obtained, the operation data of the target enterprise are obtained based on the authorization information, the operation data comprise tax-related data of the enterprise, the tax-related data are directly connected with a national tax authority through the direct connection, and are obtained through an electronic ledger library of the national tax bureau, so that the authenticity of the obtained tax data is guaranteed. The operation data is sorted and analyzed to finally obtain a credit evaluation report of the enterprise, tax-related data of the target enterprise participates in the generation process of the enterprise credit report through the mode, the credit information of the target enterprise is evaluated from different angles, and the credibility and the availability of the credit report are improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic flow chart diagram illustrating an embodiment of a method for obtaining an enterprise credit report according to the present application;
FIG. 2 is a schematic flow chart illustrating an embodiment of a method for obtaining an enterprise credit report according to the present application;
FIG. 3 is a schematic structural diagram of an embodiment of an enterprise credit report acquisition device according to the present application;
FIG. 4 is a schematic structural diagram of an embodiment of an enterprise credit report acquisition device according to the present application;
fig. 5 is another schematic structural diagram of an embodiment of an enterprise credit report acquisition device according to the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application. 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 application.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the descriptions in this application referring to "first", "second", etc. are for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present application.
Referring to fig. 1, an embodiment of the method for acquiring an enterprise credit report of the present application includes: step 101-step 104.
101. And acquiring authorization information of the target enterprise.
And acquiring authorization information of the target enterprise. Specifically, the inquiring party may send a corresponding credit report inquiry request to the target enterprise, if the target enterprise agrees with the credit report inquiry request, the target enterprise may be considered to obtain authorization of the target enterprise, and the authorization information of the target enterprise may be an electronic file with authorization effectiveness in an authorization book or other form, which is not limited herein specifically according to actual situations. Tax-related data associated with the target enterprise may be collected based on the authorization information.
102. And acquiring the operation data of the target enterprise based on the authorization information.
And acquiring the operation data of the target enterprise based on the authorization information, wherein the operation data comprises tax-related data. Specifically, tax-related data of a target enterprise can be inquired from the national tax administration and each local tax administration according to the authorization information, the tax administration verifies the authorization information, judges whether the authorization information has corresponding effectiveness, provides the tax-related data of the target enterprise if the authorization information has the corresponding effectiveness, and rejects the inquiry request of the tax-related data of the target enterprise if the authorization information does not have the corresponding effectiveness, the specific tax-related data can be documents such as invoices, the invoices are texts issued by buyers from a seller, and the contents include names, quality and agreement prices for providing products or services for the buyers. Each invoice has a unique journal account number, and the invoices issued by the target enterprise as a seller or a buyer can be regarded as tax-related data to obtain the tax-related data related to the target enterprise. The tax-related data is directly connected with the national tax authority and is obtained through the electronic ledger library of the national tax bureau, so that the authenticity of the obtained tax data is ensured.
103. And arranging the operation data to obtain data in a standard format.
And arranging the operation data to obtain data in a standard format. The management data is collated, specifically, the management data comprises tax-related data acquired from tax authorities, the tax-related data of a target enterprise can be composed of multiple formats due to inconsistent acquisition channels and modes, meanwhile, the acquired data can contain data which have no use value, such as repetition or invalidation and the like, so that the tax-related data needs to be collated, the specific collating mode can comprise the processes of data cleaning, data checking, data verification and the like, the specific position is not limited, the tax-related data is collated to obtain standard format data of the target enterprise, and the standard format data is used for analysis, so that a credit report of the target enterprise is obtained.
104. And analyzing the standard format data to obtain a credit report of the target enterprise.
And analyzing the standard format data to obtain a credit report of the target enterprise. Specifically, the standard format data can be quantitatively analyzed by using a preset rule, contents such as customer sales information of the target enterprise, supplier transaction information of the target enterprise, location information of upstream and downstream enterprises of the target enterprise, cost information of the target enterprise and the like are obtained based on the standard format data, and the operation condition of the target enterprise is quantitatively analyzed according to the analysis result to obtain a credit report of the target enterprise.
According to the technical scheme, the embodiment of the application has the following advantages: according to the scheme, the authorization information of the target enterprise is obtained, the operation data of the target enterprise are obtained based on the authorization information, the operation data comprise tax-related data of the enterprise, the tax-related data are directly connected with a national tax authority through the direct connection, and are obtained through an electronic ledger library of the national tax bureau, so that the authenticity of the obtained tax data is guaranteed. The operation data is sorted and analyzed to finally obtain a credit evaluation report of the enterprise, tax-related data of the target enterprise participates in the generation process of the enterprise credit report through the mode, the credit information of the target enterprise is evaluated from different angles, and the credibility and the availability of the credit report are improved.
Referring to fig. 2, an embodiment of the enterprise credit report obtaining method according to the present application includes: step 201-step 209.
201. And initiating a credit report acquisition request for the target enterprise.
And initiating a credit report acquisition request for the target enterprise. The specific initiator can log in a corresponding credit report acquisition platform first to complete identity authentication of the enterprise, and then performs a credit report request process after the identity of the enterprise of the initiator is confirmed, and when the initiator initiates a credit report acquisition request for a target enterprise, the initiator needs to fill in a sending address to the target enterprise correspondingly.
202. And sending the credit report acquisition request to the target enterprise so that the target enterprise returns authorization information.
And sending the credit report acquisition request to the target enterprise so that the target enterprise returns authorization information. Sending a credit report acquisition request to a target enterprise based on a merchant credit service platform, so that the target enterprise reads the credit report acquisition request, judging the identity of an initiator of the credit report acquisition request by the target enterprise, and judging whether the initiator has the authority to perform credit inquiry on the target enterprise, specifically, if the target enterprise can judge whether a business relationship exists between the initiator enterprise and the target enterprise, if the initiator is a supplier or a distributor of the target enterprise, and if the corresponding business relationship exists, the initiator enterprise can be considered to have the legal reason for obtaining the credit report of the target enterprise, and has the authority to obtain the credit report of the target enterprise, and corresponding authorization can be performed, namely, authorization information is returned to the target enterprise, the specific authorization information can be an electronic file with an electronic stamp, and the specific form can be determined according to actual conditions, and are not limited herein.
203. And acquiring tax-related data of the target enterprise based on the authorization information.
And acquiring tax-related data of the target enterprise based on the authorization information. Specifically, tax-related data of a target enterprise can be inquired from the national tax administration and each local tax administration according to the authorization information, the tax administration firstly needs to verify an acquiring party of the tax-related data, and judges whether the acquiring party of the tax-related data is filed in a corresponding credit investigation institution or not and whether the acquiring party has the authority of acquiring tax-related data of other companies or not. Specifically, the tax-related data may include invoice data (entry and sale item invoicing data, invoice red flushing invalidation data, and the like) and tax return data (tax declaration data, tax collection data, tax inspection data, and the like), and it is understood that in the actual implementation process of the scheme, the type of the tax-related data may be adjusted according to the requirement, and the specific details are not limited herein.
204. And acquiring the business data, the judicial data and the credit investigation data of the target enterprise.
And acquiring the business data, the judicial data and the credit investigation data of the target enterprise. In order to ensure that the generated credit investigation report can reflect credit investigation data of a target enterprise from the most possible angle, the data such as the business data, judicial data and credit investigation data of the target enterprise needs to be acquired, wherein the business data can be acquired from a public website of a local office of the business enterprise managing the company, and can also be used for inquiring corresponding non-public business data based on authorization information granted by the target enterprise, and the specific business data can comprise: the data such as the enterprise attendance information, the enterprise change information, the enterprise external investment information, and the stock right freezing history information may be determined according to the actual situation, and is not limited herein. Judicial data may specifically include: and executing public information, a lost credit and old dependence list, a high consumption limit list, an exit and entry limit list, a criminal and suspect list, a civil and commercial affair official document, an administrative violation record and other information related to the target enterprise. The credit investigation data can be obtained based on the inquiry of the credit investigation bank of the people in China. It should be noted that the data related to the target enterprise obtained in the actual implementation process of the present disclosure includes, but is not limited to, the aforementioned business data, judicial data and credit investigation data, and other types of data that can reflect the business status or credit status of the target enterprise may also be collected, which may be determined according to the actual situation, and is not limited herein.
205. And cleaning the data of the tax-related data, and sorting the tax-related data according to a preset rule to obtain data in a standard format.
And cleaning the data of the tax-related data, and sorting the tax-related data according to a preset rule to obtain data in a standard format. The method specifically comprises the step of carrying out data cleaning on the tax-related data, wherein the tax-related data is directly obtained from a data source of an electronic ledger library of a tax administration and comprises invoice information and tax information of a target enterprise, and the directly obtained tax-related data has the defects of repeated data, incomplete data, error data and the like due to the difference of format forms, so that the directly obtained original data needs to be subjected to data cleaning for using the tax-related data, rules used for data cleaning can be manually set, and the specific part is not limited.
206. Analyzing the industrial and commercial data, the judicial data, the credit investigation data and the standard format data based on a preset model to obtain the credit index of the target enterprise
Analyzing the industrial and commercial data, the judicial data, the credit investigation data and the standard format data based on a preset model to obtain the credit index of the target enterprise, specifically setting the preset model according to the result obtained by carrying out quantitative analysis on other companies, wherein the obtained credit index of the target enterprise comprises the following steps: the transaction behavior verification indexes can be credit indexes of the types of transaction behavior verification indexes, business and industry operation verification indexes, judicial complaint indexes, anti-fraud indexes and the like, wherein the transaction behavior verification indexes can be formed by the following indexes for a target company: and analyzing and obtaining information in the aspects of customer sales information, supplier transaction information, upstream and downstream enterprise location information, enterprise cost information and the like. The business operation verification index can be obtained by analyzing the enterprise attendance information, enterprise change information, enterprise external investment information, stock right freezing history information and other information of the target enterprise, and the judicial complaint information can be obtained by analyzing the information of the target enterprise: and executing public information, a lost credit and old dependence list, a high consumption limit list, an exit and entry limit list, a criminal and suspect list, a civil and commercial officials official document, an administrative violation record and the like for analysis and acquisition. The anti-fraud index can be obtained by analyzing events such as transaction fraud, application fraud, behavior fraud, technical fraud and the like existing in the operation process of a target enterprise, and it can be understood that in the analysis process of various credit indexes of the target enterprise, the adopted analysis means, specific analysis indexes and the influence degree of each factor on the indexes can be quantitatively analyzed based on credit information analysis results of different enterprises to obtain a better effect, the specific quantitative analysis means and the process refer to the prior art, and are not limited herein. It should be noted that the number and types of the credit indicators used in the actual implementation process of the present disclosure may be adjusted according to the actual situation, and are not limited herein.
207. And analyzing the credit index based on a preset model to obtain the risk level of the target enterprise.
And analyzing the credit index based on a preset model to obtain the risk level of the target enterprise. The specific preset model can be a risk quantification model, the enterprise credit risk is quantified based on the risk quantification model, the specific quantification means includes the evaluation of each credit index in the forms of preset strong rules, Analytic Hierarchy Process (AHP) score cards, quantitative score cards and the like, the risk level of the target enterprise output based on the risk quantification model can be represented by a specific level, the results obtained as a risk rating analysis of the target enterprise include 5 risk ratings of 1 to 5, wherein, grade 1 is the condition with the lowest risk, grade 5 is the condition with the highest risk, and simultaneously, in order to improve the detail degree of the credit report as much as possible, the risk quantification model can also output the specific credit score of the target enterprise, such as the credit score from (350-900) in order to more fully reflect the credit status of the target enterprise.
208. And combining the credit index and the risk level of the target enterprise to obtain a credit report of the target enterprise.
The credit report may include result information of types such as credit level of the target enterprise obtained through analysis, and may further include corresponding representative analysis process information and transaction records of the target enterprise and a specific company provided by the initiator enterprise, and if the initiator enterprise wishes to obtain whether the target enterprise has a business relationship with a third-party enterprise with poor credit, the business communication information of the target enterprise and the third-party enterprise may be listed separately in generating the corresponding credit report, so that the initiator enterprise may make a judgment, and a specific credit report form may be adjusted according to actual situations, which is not limited herein. It is understood that the credit report condition can be adjusted and updated based on real-time data so as to better conform to the current situation and have practicability, and the situation can be determined according to the actual situation, which is not limited herein.
209. The credit report of the target enterprise is adjusted based on the provisioning relationship of the initiator enterprise and the target enterprise.
The credit report of the target enterprise is adjusted based on the provisioning relationship of the initiator enterprise and the target enterprise. Specifically, the provisioning relationship between the initiator enterprise and the target enterprise includes: the target enterprise is a provider of the initiator enterprise, or the target enterprise is a dealer of the initiator enterprise. The manner of adjustment to the credit report may include, for example: if the target enterprise is the supplier of the initiator enterprise, data such as the order completion probability and the order postpone probability of the target enterprise are added into the credit report, so that the initiator enterprise has specific knowledge on the influence of the target enterprise on the target enterprise, and if the target enterprise is the dealer of the initiator enterprise, the content such as the payment due condition when the target enterprise is used as the dealer of other companies can be added into the credit report, which is determined according to the actual situation, and is not limited herein.
According to the technical scheme, the embodiment of the application has the following advantages: according to the scheme, the authorization information of the target enterprise is obtained, the operation data of the target enterprise are obtained based on the authorization information, the operation data comprise tax-related data of the enterprise, the tax-related data are directly connected with a national tax authority through the direct connection, and are obtained through an electronic ledger library of the national tax bureau, so that the authenticity of the obtained tax data is guaranteed. The operation data is sorted and analyzed to finally obtain a credit evaluation report of the enterprise, tax-related data of the target enterprise participates in the generation process of the enterprise credit report through the mode, the credit information of the target enterprise is evaluated from different angles, and the credibility and the availability of the credit report are improved.
Meanwhile, the obtained enterprise operation data is analyzed by adopting a risk quantitative model, the risk quantitative model is obtained by carrying out quantitative analysis on the enterprise operation data and the credit condition information of a plurality of companies, the accuracy is high, and the accuracy of the obtained credit evaluation report is improved.
The above describes a credit report generation method in the application embodiment, and the following describes an enterprise credit report generation device in the embodiment of the present invention. Referring to fig. 3, an embodiment of the present application includes:
an enterprise credit report acquisition device, comprising:
an obtaining unit 301, configured to obtain authorization information of a target enterprise;
the acquisition unit 302 is configured to acquire operation data of the target enterprise based on the authorization information, where the operation data includes tax-related data;
a sorting unit 303, configured to sort the operation data to obtain standard format data;
and the analysis unit 304 is configured to analyze the standard format data to obtain a credit report of the target enterprise.
In this embodiment, the flow executed by each unit in the enterprise credit report obtaining device is similar to the method flow described in the embodiment corresponding to fig. 1, and is not described herein again.
Referring to fig. 4, the enterprise credit report generating device provided by the present application includes, in addition to the units included in the embodiment of fig. 3, optionally, the obtaining unit 401 includes:
an initiating sub-unit 4041, configured to initiate a credit report acquisition request for the target enterprise, where the credit report acquisition request includes information of an initiator enterprise;
a sending sub-unit 4042, configured to send the credit report obtaining request to the target enterprise, so that the target enterprise returns authorization information.
The sorting unit 403 may be specifically configured to: and cleaning the data of the tax-related data, and sorting the tax-related data according to a preset rule to obtain the data in the standard format.
Optionally, the business data includes tax-related data, industry and commerce data, judicial data and credit data of the target enterprise.
The analysis unit 404 specifically includes: the verification index obtaining unit 4041 is configured to analyze and analyze the tax-related data, the industry and commerce data, the judicial data, and the credit investigation data based on a preset model, and obtain a credit index of the target enterprise, where the credit index includes: transaction behavior verification indexes, business and industry operation behavior verification indexes, judicial complaint verification indexes and anti-fraud verification indexes.
Optionally, the analysis unit 404 specifically includes: a risk level obtaining unit 4042, configured to analyze the credit indicator based on a preset model to obtain a risk level of the target enterprise;
optionally, the analysis unit 404 specifically includes: the merging subunit 4043 is configured to merge the credit indicator and the risk level of the target enterprise to obtain a credit report of the target enterprise.
Optionally, the analysis unit 404 specifically includes: an adjusting subunit 4043, configured to adjust the credit report of the target enterprise based on the supply relationship between the initiator enterprise and the target enterprise;
the provisioning relationship of the initiator enterprise with the target enterprise includes: the target enterprise is a provider of the initiator enterprise, or the target enterprise is a dealer of the initiator enterprise.
Fig. 5 is a schematic structural diagram of an enterprise credit report acquiring apparatus according to an embodiment of the present disclosure, where the server 500 may include one or more Central Processing Units (CPUs) 501 and a memory 505, and the memory 505 stores one or more applications or data therein.
In this embodiment, the specific functional module division in the central processing unit 501 may be similar to the functional module division manner of each unit described in fig. 4, and is not described herein again.
The server 500 may also include one or more power supplies 502, one or more wired or wireless network interfaces 503, one or more input-output interfaces 504, and/or one or more operating systems, such as Windows Server, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, etc.
The central processing unit 501 may perform the operations performed by the enterprise credit report obtaining method in the embodiment shown in fig. 1, and details are not described herein.
The present invention also provides a computer readable storage medium for implementing the function of enterprise credit report acquisition, on which a computer program is stored, which, when being executed by a processor, the processor may be adapted to perform the enterprise credit report acquisition method as described in fig. 1.
It will be appreciated that the integrated units, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a corresponding one of the computer readable storage media or integrated as a computer program product for performing the above-described method. Based on such understanding, all or part of the flow of the method according to the above embodiments may be implemented by a computer program, which may be stored in a computer-readable storage medium and used by a processor to implement the steps of the above embodiments of the method. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. An enterprise credit report acquisition method, comprising:
obtaining authorization information of a target enterprise;
acquiring operation data of the target enterprise based on the authorization information, wherein the operation data comprises tax-related data;
arranging the operation data to obtain standard format data;
and analyzing the standard format data to obtain a credit report of the target enterprise.
2. The method of claim 1, wherein the obtaining authorization information of the target enterprise comprises:
initiating a credit report acquisition request for the target enterprise, the credit report acquisition request including information of an initiator enterprise;
and sending the credit report acquisition request to the target enterprise so that the target enterprise returns authorization information.
3. The method of claim 1, wherein the collating the business data to obtain standard format data comprises:
and cleaning the data of the tax-related data, and sorting the tax-related data according to a preset rule to obtain the data in the standard format.
4. The method of claim 1, wherein the business data comprises tax-related data, industry and commerce data, judicial data and credit data of the target business.
The analyzing the standard format data to obtain the credit report of the target enterprise includes:
analyzing the tax-related data, the industrial and commercial data, the judicial data and the credit investigation data based on a preset model to obtain the credit index of the target enterprise, wherein the credit index comprises: transaction behavior verification indexes, business and industry operation behavior verification indexes, judicial complaint verification indexes and anti-fraud verification indexes.
5. The method of claim 4, further comprising:
analyzing the credit index based on a preset model to obtain the risk level of the target enterprise;
6. the method of claim 5, wherein obtaining the credit report of the target enterprise comprises:
and combining the credit index and the risk level of the target enterprise to obtain a credit report of the target enterprise.
7. The method of claim 6, wherein analyzing the data in the standard format to obtain the credit report of the target enterprise comprises:
adjusting a credit report of the target enterprise based on a provisioning relationship of an initiator enterprise with the target enterprise;
the provisioning relationship of the initiator enterprise with the target enterprise includes: the target enterprise is a provider of the initiator enterprise, or the target enterprise is a dealer of the initiator enterprise.
8. An enterprise credit report acquisition device, comprising:
the acquisition unit is used for acquiring the authorization information of the target enterprise;
the acquisition unit is used for acquiring the operation data of the target enterprise based on the authorization information, wherein the operation data comprises tax-related data;
the arrangement unit is used for arranging the operation data to obtain standard format data;
and the analysis unit is used for analyzing the standard format data to obtain the credit report of the target enterprise.
9. An enterprise credit report acquisition device, comprising:
the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;
the memory is a transient memory or a persistent memory;
the central processor is configured to communicate with the memory, the instructions in the memory being executable on the central processor to perform the method of any of claims 1-7.
10. A computer-readable storage medium comprising instructions that, when executed on a computer, cause the computer to perform the method of any one of claims 1-7.
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