CN113643114A - Financial risk early warning monitoring method and system - Google Patents
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Abstract
The invention discloses a financial risk early warning and monitoring method, which comprises the following steps: acquiring and verifying enterprise qualification according to enterprise information, creating an enterprise key pair for a corresponding enterprise, and establishing an enterprise account; acquiring basic financial data of an enterprise, encrypting the basic financial data and uploading the encrypted basic financial data to a corresponding enterprise account; generating financial analysis associated information; acquiring corresponding enterprise financial dynamic data, encrypting the enterprise financial dynamic data and uploading the encrypted enterprise financial dynamic data to a corresponding enterprise account; importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model to generate enterprise financial risk early warning analysis information; and generating financial regulation and control information of the enterprise. The invention also discloses a financial risk early warning monitoring system. The invention can acquire real, accurate and comprehensive financial data, perform accurate data analysis, further perform accurate monitoring on financial risks and effectively reduce the financial risks.
Description
Technical Field
The invention relates to the technical field of financial risk monitoring, in particular to a financial risk early warning monitoring method and system.
Background
Financial risk is the variability of the equity return and the risk that the business may lose its ability to repay, both of which are directly related to the business risk of the business, i.e., the expected business return dispersion. The financial risk of an enterprise runs through the aspects of production and operation of the enterprise, and the enterprise can generate risks in financing funds, investment, daily transaction and profit distribution, so that financial risk early warning is required. The financial early warning is used as a risk management tool for identifying financial crisis and providing early warning signals for enterprise investors, creditors and managers, and has an important role in investment and risk management.
Current financial risk early warning only can carry out simple early warning suggestion to basic affair, can't guarantee the true accuracy and the comprehensiveness of the data that acquire, and then can't carry out accurate data analysis, can't carry out accurate control to financial risk, leads to financial risk can't effectively be avoidd.
Disclosure of Invention
In order to overcome the above problems or at least partially solve the above problems, embodiments of the present invention provide a financial risk early warning monitoring method and system, which can obtain real, accurate and comprehensive financial data, perform accurate data analysis, and further perform accurate monitoring on financial risks, thereby effectively reducing financial risks.
The embodiment of the invention is realized by the following steps:
in a first aspect, an embodiment of the present invention provides a financial risk early warning monitoring method, including the following steps:
acquiring and verifying enterprise qualification according to enterprise information, establishing an enterprise key pair for a corresponding enterprise after the verification is passed, and establishing an enterprise account;
acquiring basic financial data of an enterprise, encrypting the basic financial data by adopting a private key of a corresponding enterprise key pair, and uploading the encrypted basic financial data to a corresponding enterprise account;
acquiring and importing enterprise industry data in real time into a preset industry financial association model to generate financial analysis association information;
acquiring corresponding enterprise financial dynamic data according to the financial analysis correlation information, encrypting the enterprise financial dynamic data by adopting a private key in a corresponding enterprise key pair, and uploading the encrypted enterprise financial dynamic data to a corresponding enterprise account;
decrypting the basic financial data and the enterprise financial dynamic data in an enterprise account based on a public key in an enterprise key pair corresponding to an enterprise, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model, and generating enterprise financial risk early warning analysis information;
and importing the enterprise financial risk early warning analysis information into a preset risk regulation and control model to generate enterprise financial regulation and control information.
In order to solve the technical problem that the enterprise financial risk cannot be accurately analyzed in the prior art, the method encrypts the corresponding enterprise-related financial data by setting the enterprise key with uniqueness, so that the security of the enterprise financial data is ensured, the enterprise financial data is not easy to be distorted, the authenticity of the enterprise financial data is further ensured, and meanwhile, the corresponding enterprise account is established, so that subsequent decryption and analysis are performed in the enterprise account, and the data is prevented from being leaked; and the dynamic industry is concerned in real time, so that the enterprise financial related data with higher timeliness is obtained, and more comprehensive reference data is provided for subsequent risk analysis. Simultaneously can carry out financial early warning analysis to different enterprises one by one, provide more accurate financial risk early warning analysis, then, combine the risk regulation and control model of historical data training to quick provide a reasonable financial risk and avoid regulation and control scheme, provide accurate reference for enterprise financial risk regulation and control to the enterprise carries out the risk regulation and control, effectively reduces financial risk.
Based on the first aspect, in some embodiments of the present invention, the method for acquiring and importing enterprise industry data in real time into a preset industry financial association model to generate financial analysis association information includes the following steps:
extracting and determining the industry to which the corresponding enterprise belongs according to the enterprise category in the enterprise information, and acquiring corresponding industry data in real time;
and importing the industry data into a preset industry financial association model, matching the industry data with preset data through the industry financial association model to obtain financial data associated with the corresponding industry, and generating financial analysis association information.
Based on the first aspect, in some embodiments of the present invention, the method for generating enterprise financial risk early warning analysis information by importing the decrypted basic financial data and enterprise financial dynamic data into a preset financial risk early warning model includes the following steps:
importing the decrypted basic financial data and enterprise financial dynamic data into a preset financial risk early warning model;
analyzing the repayment capacity of the enterprise according to the basic financial data and the enterprise financial dynamic data by adopting a financial risk early warning model to generate first analysis data;
generating second analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise operation capacity by adopting a financial risk early warning model;
generating third analysis data according to the basic financial data and the profit capacity of the enterprise financial dynamic data to the enterprise by adopting a financial risk early warning model;
and generating enterprise financial risk early warning analysis information according to the first analysis data, the second analysis data and the third analysis data.
Based on the first aspect, in some embodiments of the present invention, the financial risk early warning monitoring method further includes the following steps:
and establishing an initial risk early warning model, and acquiring and training the initial risk early warning model according to historical financial risk data and historical risk processing scheme information to obtain the financial risk early warning model.
In a second aspect, an embodiment of the present invention provides a financial risk early warning monitoring system, including an account creation module, a basic encryption module, an association analysis module, a dynamic acquisition module, an early warning analysis module, and a financial regulation and control module, where:
the account creation module is used for acquiring and verifying enterprise qualification according to the enterprise information, creating an enterprise key pair for the corresponding enterprise after the verification is passed, and creating an enterprise account;
the basic encryption module is used for acquiring basic financial data of an enterprise, encrypting the basic financial data by adopting a private key of a corresponding enterprise key pair, and uploading the encrypted basic financial data to a corresponding enterprise account;
the system comprises an association analysis module, a financial analysis module and a financial analysis module, wherein the association analysis module is used for acquiring and importing enterprise industry data into a preset industry financial association model in real time to generate financial analysis association information;
the dynamic acquisition module is used for acquiring corresponding enterprise financial dynamic data according to the financial analysis correlation information, encrypting the enterprise financial dynamic data by adopting a private key of a corresponding enterprise key pair, and uploading the encrypted enterprise financial dynamic data to a corresponding enterprise account;
the early warning analysis module is used for decrypting the basic financial data and the enterprise financial dynamic data in the enterprise account based on a public key in an enterprise key pair corresponding to the enterprise, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model, and generating enterprise financial risk early warning analysis information;
and the financial regulation and control module is used for leading the enterprise financial risk early warning analysis information into a preset risk regulation and control model to generate enterprise financial regulation and control information.
In order to solve the technical problem that the financial risk of an enterprise cannot be accurately analyzed in the prior art, the system sets an enterprise key pair with uniqueness through an account creation module, and then encrypts corresponding enterprise-related financial data through a basic encryption module, so that the security of the enterprise financial data is ensured, the enterprise financial data is not easy to be tampered, the authenticity of the enterprise financial data is ensured, and meanwhile, a corresponding enterprise account is established, so that subsequent decryption and analysis are performed in the enterprise account, and data leakage is prevented; and the dynamic state of the industry is concerned in real time, and then the enterprise financial related data with higher timeliness is obtained through the dynamic obtaining module, so that more comprehensive reference data is provided for subsequent risk analysis. Simultaneously can carry out financial early warning analysis to different enterprises one by one through early warning analysis module, provide more accurate financial risk early warning analysis, then, the financial regulation and control module combines the risk regulation and control model of historical data training to quick provide a reasonable financial risk and avoids regulation and control scheme, provides accurate reference for enterprise financial risk regulation and control to the enterprise carries out risk regulation and control, effectively reduces financial risk.
Based on the second aspect, in some embodiments of the invention, the association analysis module includes an industry determination sub-module and a matching association sub-module, wherein:
the industry determining submodule is used for extracting and determining the industry to which the corresponding enterprise belongs according to the enterprise category in the enterprise information, and acquiring corresponding industry data in real time;
and the matching association submodule is used for importing the industry data into a preset industry financial association model, matching the industry data with the preset data through the industry financial association model to obtain financial data associated with the corresponding industry, and generating financial analysis association information.
Based on the second aspect, in some embodiments of the present invention, the early warning analysis module includes an import sub-module, a first analysis sub-module, a second analysis sub-module, a third analysis sub-module, and an early warning analysis sub-module, where: .
The import submodule is used for importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model;
the first analysis sub-module is used for analyzing the repayment capacity of the enterprise according to the basic financial data and the enterprise financial dynamic data by adopting a financial risk early warning model to generate first analysis data;
the second analysis submodule is used for generating second analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise operation capacity by adopting the financial risk early warning model;
the third analysis sub-module is used for generating third analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise profit capacity by adopting the financial risk early warning model;
and the early warning analysis submodule is used for generating enterprise financial risk early warning analysis information according to the first analysis data, the second analysis data and the third analysis data.
Based on the second aspect, in some embodiments of the present invention, the financial risk early warning monitoring system further includes an early warning model establishing module, configured to establish an initial risk early warning model, and acquire and train the initial risk early warning model according to historical financial risk data and historical risk processing scheme information to obtain the financial risk early warning model.
In a third aspect, an embodiment of the present application provides an electronic device, which includes a memory for storing one or more programs; a processor. The program or programs, when executed by a processor, implement the method of any of the first aspects as described above.
In a fourth aspect, embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements the method according to any one of the first aspect described above.
The embodiment of the invention at least has the following advantages or beneficial effects:
the embodiment of the invention provides a financial risk early warning monitoring method and system, which solve the technical problem that the financial risk of an enterprise cannot be accurately analyzed in the prior art, and the method and the system provided by the invention encrypt the corresponding enterprise-related financial data by setting an enterprise key with uniqueness, ensure the security of the enterprise financial data, are not easy to be falsified, further ensure the authenticity of the enterprise financial data, and simultaneously establish a corresponding enterprise account so that subsequent decryption and analysis are performed in the enterprise account, thereby preventing the data from being leaked; and the dynamic industry is concerned in real time, so that the enterprise financial related data with higher timeliness is obtained, and more comprehensive reference data is provided for subsequent risk analysis. Simultaneously can carry out financial early warning analysis to different enterprises one by one, provide more accurate financial risk early warning analysis, then, combine the risk regulation and control model of historical data training to quick provide a reasonable financial risk and avoid regulation and control scheme, provide accurate reference for enterprise financial risk regulation and control to the enterprise carries out the risk regulation and control, effectively reduces financial risk.
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, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
FIG. 1 is a flow chart of a financial risk early warning monitoring method according to an embodiment of the present invention;
FIG. 2 is a schematic block diagram of a financial risk early warning monitoring system according to an embodiment of the present invention;
fig. 3 is a block diagram of an electronic device according to an embodiment of the present invention.
Icon: 100. an account creation module; 200. a basic encryption module; 300. a correlation analysis module; 310. an industry determination submodule; 320. matching the correlation sub-module; 400. a dynamic acquisition module; 500. an early warning analysis module; 510. importing a submodule; 520. a first analysis submodule; 530. a second analysis submodule; 540. a third analysis submodule; 550. an early warning analysis submodule; 600. a financial regulation module; 101. a memory; 102. a processor; 103. a communication interface.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. 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.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
Examples
As shown in fig. 1, in a first aspect, an embodiment of the present invention provides a financial risk early warning monitoring method, including the following steps:
s1, obtaining and verifying enterprise qualification according to the enterprise information, creating an enterprise key pair for the corresponding enterprise after the verification is passed, and creating an enterprise account;
in some embodiments of the invention, in order to ensure the secure authenticity of the financial data, a unique enterprise key pair is set, and then the corresponding enterprise-related financial data is encrypted through the basic encryption module, so that the security of the enterprise financial data is ensured, the enterprise financial data is not easy to be tampered, the authenticity of the enterprise financial data is ensured, and meanwhile, a corresponding enterprise account is established, so that subsequent decryption and analysis are performed in the enterprise account, and the data leakage is prevented. The enterprise key pair comprises a private key and a public key, and data is encrypted and decrypted through the cooperation of the private key and the public key. The enterprise information comprises enterprise type, property, qualification information, address information, operation condition and the like.
S2, acquiring basic financial data of an enterprise, encrypting the basic financial data by using a private key of a corresponding enterprise key pair, and uploading the encrypted basic financial data to a corresponding enterprise account;
in some embodiments of the present invention, before risk analysis is performed on the corporate finance, basic financial data of a corporation is obtained, the corresponding private key is used to encrypt the data, and then the data is uploaded to a corresponding corporate account, so that the data is directly called in the account during subsequent analysis. The basic financial data includes profit data, business data, loss data, guaranteed property, business scope, etc.
S3, acquiring and importing enterprise industry data to a preset industry financial association model in real time to generate financial analysis association information;
further, extracting and determining the industry to which the corresponding enterprise belongs according to the enterprise category in the enterprise information, and acquiring corresponding industry data in real time; and importing the industry data into a preset industry financial association model, matching the industry data with preset data through the industry financial association model to obtain financial data associated with the corresponding industry, and generating financial analysis association information.
In some embodiments of the invention, in order to improve the comprehensiveness and accuracy of the enterprise financial risk analysis, the industry to which the enterprise belongs is determined, then the industry dynamic data of the industry is obtained in real time, and the data is analyzed by adopting an industry financial association model based on the industry dynamic data of the industry, so as to obtain the relevant information that the industry may cause the enterprise risk, and generate the financial analysis associated information. The industry financial association model is a mathematical model for analyzing real-time industry data based on data of influence of historical industry dynamic data on financial risks of enterprises to obtain real-time industry associated financial data. The financial analysis related information comprises an industry status, a financial project, a financial category, a risk factor and the like.
S4, acquiring corresponding enterprise financial dynamic data according to the financial analysis correlation information, encrypting the enterprise financial dynamic data by using a private key of a corresponding enterprise key pair, and uploading the encrypted enterprise financial dynamic data to a corresponding enterprise account;
in some embodiments of the invention, enterprise financial dynamic data of a corresponding enterprise is obtained based on the obtained financial analysis associated information, and more accurate data is provided by combining with real-time data; meanwhile, the private key in the corresponding enterprise key pair is used for encrypting the enterprise financial dynamic data, so that the security of the data is ensured.
S5, decrypting the basic financial data and the enterprise financial dynamic data in the enterprise account based on the public key in the enterprise key pair of the corresponding enterprise, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model, and generating enterprise financial risk early warning analysis information;
further, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model; analyzing the repayment capacity of the enterprise according to the basic financial data and the enterprise financial dynamic data by adopting a financial risk early warning model to generate first analysis data; generating second analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise operation capacity by adopting a financial risk early warning model; generating third analysis data according to the basic financial data and the profit capacity of the enterprise financial dynamic data to the enterprise by adopting a financial risk early warning model; and generating enterprise financial risk early warning analysis information according to the first analysis data, the second analysis data and the third analysis data.
In some embodiments of the invention, the financial risk of the enterprise is analyzed by adopting the financial risk early warning model in combination with the basic financial data and the enterprise financial dynamic data, so that financial early warning analysis can be performed on different enterprises one by one, and more accurate financial risk early warning analysis is provided. Comprehensive early warning analysis is carried out aiming at a plurality of aspects such as enterprise debt paying capacity, enterprise operation capacity, enterprise profitability, and the like, the comprehensiveness of risk early warning analysis is ensured, and then accurate enterprise financial risk early warning analysis information is obtained. The enterprise financial risk early warning analysis information comprises enterprise debt paying risk, enterprise operation risk, enterprise profit and loss risk, early warning data and the like.
And S6, importing the enterprise financial risk early warning analysis information into a preset risk regulation and control model to generate enterprise financial regulation and control information.
In some embodiments of the invention, a reasonable financial risk avoidance regulation and control scheme is rapidly provided by combining a risk regulation and control model trained by historical data, so that accurate reference is provided for enterprise financial risk regulation and control, enterprises can conveniently regulate and control risks, and financial risks are effectively reduced. The risk regulation and control model is a mathematical model for analyzing and matching real-time data according to historical early warning data and a corresponding regulation and control scheme thereof so as to obtain a reasonable enterprise financial regulation and control method. The enterprise financial regulation and control information comprises financial items to be adjusted, adjustment time, adjustment content and the like.
In order to solve the technical problem that the enterprise financial risk cannot be accurately analyzed in the prior art, the method encrypts the corresponding enterprise-related financial data by setting the enterprise key with uniqueness, so that the security of the enterprise financial data is ensured, the enterprise financial data is not easy to be distorted, the authenticity of the enterprise financial data is further ensured, and meanwhile, the corresponding enterprise account is established, so that subsequent decryption and analysis are performed in the enterprise account, and the data is prevented from being leaked; and the dynamic industry is concerned in real time, so that the enterprise financial related data with higher timeliness is obtained, and more comprehensive reference data is provided for subsequent risk analysis. Simultaneously can carry out financial early warning analysis to different enterprises one by one, provide more accurate financial risk early warning analysis, then, combine the risk regulation and control model of historical data training to quick provide a reasonable financial risk and avoid regulation and control scheme, provide accurate reference for enterprise financial risk regulation and control to the enterprise carries out the risk regulation and control, effectively reduces financial risk.
Based on the first aspect, in some embodiments of the present invention, the financial risk early warning monitoring method further includes the following steps:
and establishing an initial risk early warning model, and acquiring and training the initial risk early warning model according to historical financial risk data and historical risk processing scheme information to obtain the financial risk early warning model.
In order to ensure the rapidness and accuracy of risk early warning analysis, data training is carried out according to the risk types in historical financial risk data and the processing time, loss consumption data, regulation and control schemes and the like in risk processing scheme information to obtain a reasonable risk threshold value, and a reasonable financial risk early warning model is established. Training is performed through a large amount of data so as to enable setting of the risk threshold value to be more reasonable.
As shown in fig. 2, in a second aspect, an embodiment of the present invention provides a financial risk early warning monitoring system, which includes an account creation module 100, a basic encryption module 200, an association analysis module 300, a dynamic acquisition module 400, an early warning analysis module 500, and a financial regulation and control module 600, where:
the account creation module 100 is configured to acquire and verify enterprise qualification according to enterprise information, create an enterprise key pair for a corresponding enterprise after the verification is passed, and create an enterprise account;
the basic encryption module 200 is configured to obtain basic financial data of an enterprise, encrypt the basic financial data by using a private key of a corresponding enterprise key pair, and upload the encrypted basic financial data to a corresponding enterprise account;
the correlation analysis module 300 is used for acquiring and importing enterprise industry data into a preset industry financial correlation model in real time to generate financial analysis correlation information;
the dynamic acquisition module 400 is configured to acquire corresponding enterprise financial dynamic data according to the financial analysis correlation information, encrypt the enterprise financial dynamic data by using a private key of a corresponding enterprise key pair, and upload the encrypted enterprise financial dynamic data to a corresponding enterprise account;
the early warning analysis module 500 is used for decrypting the basic financial data and the enterprise financial dynamic data in the enterprise account based on the public key in the enterprise key pair corresponding to the enterprise, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model, and generating enterprise financial risk early warning analysis information;
and the financial regulation and control module 600 is used for importing the enterprise financial risk early warning analysis information into a preset risk regulation and control model to generate enterprise financial regulation and control information.
In order to solve the technical problem that the financial risk of an enterprise cannot be accurately analyzed in the prior art, the system sets an enterprise key pair with uniqueness through the account creation module 100, and then encrypts corresponding enterprise-related financial data through the basic encryption module 200, so that the security of the enterprise financial data is ensured, the enterprise financial data is not easy to be tampered, the authenticity of the enterprise financial data is ensured, and meanwhile, a corresponding enterprise account is established, so that subsequent decryption and analysis are performed in the enterprise account, and data leakage is prevented; and the industry dynamic is concerned in real time, and then the enterprise financial related data with higher timeliness is obtained through the dynamic obtaining module 400, so that more comprehensive reference data is provided for subsequent risk analysis. Simultaneously can carry out financial early warning analysis to different enterprises one by one through early warning analysis module 500, provide more accurate financial risk early warning analysis, then, financial regulation and control module 600 combines the risk regulation and control model of historical data training to quick a reasonable financial risk of giving of evading regulation and control scheme, for enterprise financial risk regulation and control provides accurate reference to the enterprise carries out the risk regulation and control, effectively reduces the financial risk.
Based on the second aspect, as shown in fig. 2, in some embodiments of the present invention, the association analysis module 300 includes an industry determination sub-module 310 and a matching association sub-module 320, wherein:
the industry determining submodule 310 is used for extracting and determining the industry to which the corresponding enterprise belongs according to the enterprise category in the enterprise information, and acquiring corresponding industry data in real time;
and the matching association sub-module 320 is configured to import the industry data into a preset industry financial association model, match the industry data with preset data through the industry financial association model to obtain financial data associated with a corresponding industry, and generate financial analysis association information.
In order to improve the comprehensiveness and accuracy of the enterprise financial risk analysis, the industry determining submodule 310 determines the industry to which the enterprise belongs, then obtains the industry dynamic data of the industry in real time, and the matching association submodule 320 analyzes the data by adopting an industry financial association model based on the industry dynamic data of the industry to obtain the relevant information that the industry may cause the enterprise risk, and generates the financial analysis relevant information. The industry financial association model is a mathematical model for analyzing real-time industry data based on data of influence of historical industry dynamic data on financial risks of enterprises to obtain real-time industry associated financial data. The financial analysis related information comprises an industry status, a financial project, a financial category, a risk factor and the like.
As shown in fig. 2, based on the second aspect, in some embodiments of the present invention, the early warning analysis module 500 includes an import sub-module 510, a first analysis sub-module 520, a second analysis sub-module 530, a third analysis sub-module 540, and an early warning analysis sub-module 550, where: .
The importing sub-module 510 is configured to import the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model;
the first analysis submodule 520 is used for analyzing the repayment capacity of the enterprise according to the basic financial data and the enterprise financial dynamic data by adopting a financial risk early warning model to generate first analysis data;
the second analysis submodule 530 is used for generating second analysis data according to the basic financial data and the enterprise financial dynamic data on the enterprise operation capacity by adopting the financial risk early warning model;
the third analysis submodule 540 is configured to generate third analysis data according to the basic financial data and the profit capacity of the enterprise financial dynamic data to the enterprise by using the financial risk early warning model;
and the early warning analysis submodule 550 is configured to generate enterprise financial risk early warning analysis information according to the first analysis data, the second analysis data, and the third analysis data.
The financial risk early warning model is adopted to combine basic financial data and enterprise financial dynamic data to analyze enterprise financial risks, financial early warning analysis can be carried out on different enterprises one by one, and more accurate financial risk early warning analysis is provided. Comprehensive early warning analysis is carried out on multiple aspects such as enterprise repayment capacity, enterprise operation capacity, enterprise profitability through the first analysis submodule 520, the second analysis submodule 530 and the third analysis submodule 540 respectively, the comprehensiveness of risk early warning analysis is guaranteed, and accurate enterprise financial risk early warning analysis information is obtained. The enterprise financial risk early warning analysis information comprises enterprise debt paying risk, enterprise operation risk, enterprise profit and loss risk, early warning data and the like.
As shown in fig. 2, based on the second aspect, in some embodiments of the present invention, the financial risk early warning monitoring system further includes an early warning model establishing module, configured to establish an initial risk early warning model, and acquire and train the initial risk early warning model according to historical financial risk data and historical risk processing scheme information to obtain the financial risk early warning model.
In order to ensure the rapidness and accuracy of risk early warning analysis, data training is carried out through an early warning model establishing module according to risk types in historical financial risk data and processing time, loss consumption data, regulation and control schemes and the like in risk processing scheme information so as to obtain a reasonable risk threshold value, and a reasonable financial risk early warning model is established. Training is performed through a large amount of data so as to enable setting of the risk threshold value to be more reasonable.
As shown in fig. 3, in a third aspect, an embodiment of the present application provides an electronic device, which includes a memory 101 for storing one or more programs; a processor 102. The one or more programs, when executed by the processor 102, implement the method of any of the first aspects as described above.
Also included is a communication interface 103, and the memory 101, processor 102 and communication interface 103 are electrically connected to each other, directly or indirectly, to enable transfer or interaction of data. For example, the components may be electrically connected to each other via one or more communication buses or signal lines. The memory 101 may be used to store software programs and modules, and the processor 102 executes the software programs and modules stored in the memory 101 to thereby execute various functional applications and data processing. The communication interface 103 may be used for communicating signaling or data with other node devices.
The Memory 101 may be, but is not limited to, a Random Access Memory 101 (RAM), a Read Only Memory 101 (ROM), a Programmable Read Only Memory 101 (PROM), an Erasable Read Only Memory 101 (EPROM), an electrically Erasable Read Only Memory 101 (EEPROM), and the like.
The processor 102 may be an integrated circuit chip having signal processing capabilities. The Processor 102 may be a general-purpose Processor 102, including a Central Processing Unit (CPU) 102, a Network Processor 102 (NP), and the like; but may also be a Digital Signal processor 102 (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware components.
In the embodiments provided in the present application, it should be understood that the disclosed method and system and method can be implemented in other ways. The method and system embodiments described above are merely illustrative, for example, the flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of methods and systems, methods and computer program products according to various embodiments of the present application. 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 and/or flowchart illustration, and combinations of blocks in the block diagrams and/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.
In addition, functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
In a fourth aspect, embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, which, when executed by the processor 102, implements the method according to any one of the first aspect described above. The functions, if implemented in the form of software functional modules 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 application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including 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 application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory 101 (ROM), a Random Access Memory 101 (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes will occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
It will be evident to those skilled in the art that the present application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Claims (10)
1. A financial risk early warning monitoring method is characterized by comprising the following steps:
acquiring and verifying enterprise qualification according to enterprise information, establishing an enterprise key pair for a corresponding enterprise after the verification is passed, and establishing an enterprise account;
acquiring basic financial data of an enterprise, encrypting the basic financial data by adopting a private key of a corresponding enterprise key pair, and uploading the encrypted basic financial data to a corresponding enterprise account;
acquiring and importing enterprise industry data in real time into a preset industry financial association model to generate financial analysis association information;
acquiring corresponding enterprise financial dynamic data according to the financial analysis correlation information, encrypting the enterprise financial dynamic data by adopting a private key in a corresponding enterprise key pair, and uploading the encrypted enterprise financial dynamic data to a corresponding enterprise account;
decrypting the basic financial data and the enterprise financial dynamic data in an enterprise account based on a public key in an enterprise key pair corresponding to an enterprise, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model, and generating enterprise financial risk early warning analysis information;
and importing the enterprise financial risk early warning analysis information into a preset risk regulation and control model to generate enterprise financial regulation and control information.
2. The financial risk early warning and monitoring method according to claim 1, wherein the method for acquiring and importing enterprise industry data in real time into a preset industry financial association model to generate financial analysis association information comprises the following steps:
extracting and determining the industry to which the corresponding enterprise belongs according to the enterprise category in the enterprise information, and acquiring corresponding industry data in real time;
and importing the industry data into a preset industry financial association model, matching the industry data with preset data through the industry financial association model to obtain financial data associated with the corresponding industry, and generating financial analysis association information.
3. The financial risk early warning and monitoring method according to claim 1, wherein the method for importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model to generate enterprise financial risk early warning analysis information comprises the following steps:
importing the decrypted basic financial data and enterprise financial dynamic data into a preset financial risk early warning model;
analyzing the repayment capacity of the enterprise according to the basic financial data and the enterprise financial dynamic data by adopting a financial risk early warning model to generate first analysis data;
generating second analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise operation capacity by adopting a financial risk early warning model;
generating third analysis data according to the basic financial data and the profit capacity of the enterprise financial dynamic data to the enterprise by adopting a financial risk early warning model;
and generating enterprise financial risk early warning analysis information according to the first analysis data, the second analysis data and the third analysis data.
4. A financial risk early warning monitoring method according to claim 1, further comprising the steps of:
and establishing an initial risk early warning model, and acquiring and training the initial risk early warning model according to historical financial risk data and historical risk processing scheme information to obtain the financial risk early warning model.
5. The utility model provides a financial risk early warning monitored control system which characterized in that, includes account creation module, basic encryption module, correlation analysis module, dynamic acquisition module, early warning analysis module and financial regulation and control module, wherein:
the account creation module is used for acquiring and verifying enterprise qualification according to the enterprise information, creating an enterprise key pair for the corresponding enterprise after the verification is passed, and creating an enterprise account;
the basic encryption module is used for acquiring basic financial data of an enterprise, encrypting the basic financial data by adopting a private key of a corresponding enterprise key pair, and uploading the encrypted basic financial data to a corresponding enterprise account;
the system comprises an association analysis module, a financial analysis module and a financial analysis module, wherein the association analysis module is used for acquiring and importing enterprise industry data into a preset industry financial association model in real time to generate financial analysis association information;
the dynamic acquisition module is used for acquiring corresponding enterprise financial dynamic data according to the financial analysis correlation information, encrypting the enterprise financial dynamic data by adopting a private key of a corresponding enterprise key pair, and uploading the encrypted enterprise financial dynamic data to a corresponding enterprise account;
the early warning analysis module is used for decrypting the basic financial data and the enterprise financial dynamic data in the enterprise account based on a public key in an enterprise key pair corresponding to the enterprise, importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model, and generating enterprise financial risk early warning analysis information;
and the financial regulation and control module is used for leading the enterprise financial risk early warning analysis information into a preset risk regulation and control model to generate enterprise financial regulation and control information.
6. The financial risk early warning monitoring system of claim 5 wherein the association analysis module comprises an industry determination submodule and a match association submodule, wherein:
the industry determining submodule is used for extracting and determining the industry to which the corresponding enterprise belongs according to the enterprise category in the enterprise information, and acquiring corresponding industry data in real time;
and the matching association submodule is used for importing the industry data into a preset industry financial association model, matching the industry data with the preset data through the industry financial association model to obtain financial data associated with the corresponding industry, and generating financial analysis association information.
7. A financial risk early warning monitoring system according to claim 5 wherein the early warning analysis module includes an import sub-module, a first analysis sub-module, a second analysis sub-module, a third analysis sub-module and an early warning analysis sub-module, wherein:
the import submodule is used for importing the decrypted basic financial data and the decrypted enterprise financial dynamic data into a preset financial risk early warning model;
the first analysis sub-module is used for analyzing the repayment capacity of the enterprise according to the basic financial data and the enterprise financial dynamic data by adopting a financial risk early warning model to generate first analysis data;
the second analysis submodule is used for generating second analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise operation capacity by adopting the financial risk early warning model;
the third analysis sub-module is used for generating third analysis data according to the basic financial data and the enterprise financial dynamic data to the enterprise profit capacity by adopting the financial risk early warning model;
and the early warning analysis submodule is used for generating enterprise financial risk early warning analysis information according to the first analysis data, the second analysis data and the third analysis data.
8. The financial risk early warning and monitoring system according to claim 5, further comprising an early warning model establishing module for establishing an initial risk early warning model, and obtaining and training the initial risk early warning model according to historical financial risk data and historical risk processing scenario information to obtain the financial risk early warning model.
9. An electronic device, comprising:
a memory for storing one or more programs;
a processor;
the one or more programs, when executed by the processor, implement the method of any of claims 1-4.
10. A computer-readable storage 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 1-4.
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