CN113887981A - Enterprise credit line standard analysis method - Google Patents

Enterprise credit line standard analysis method Download PDF

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CN113887981A
CN113887981A CN202111197697.2A CN202111197697A CN113887981A CN 113887981 A CN113887981 A CN 113887981A CN 202111197697 A CN202111197697 A CN 202111197697A CN 113887981 A CN113887981 A CN 113887981A
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enterprise
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data
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debt
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崔华志
王春雷
王�琦
邹政权
张海波
方璐
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Heilongjiang Paradigm Intelligent Technology Co ltd
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Abstract

The invention discloses a standard analysis method for enterprise credit limit, relating to the technical field of enterprise credit limit, comprising the following steps: acquiring enterprise financial data, and preprocessing the enterprise financial data to form a sample set; establishing an enterprise scoring model, and calculating a sample set through the enterprise scoring model to obtain enterprise scores; carrying out limit analysis on the enterprise score to obtain an enterprise limit; and carrying out rule calculation on the enterprise limit to obtain the enterprise credit limit. The invention provides an enterprise credit line standard analysis method, which is used for overcoming the problem that the enterprise operation evaluation in the prior art is relatively unilateral and improving the evaluation efficiency.

Description

Enterprise credit line standard analysis method
Technical Field
The invention relates to the technical field of enterprise credit limit, in particular to an enterprise credit limit standard analysis method.
Background
The credit limit refers to a credit limit granted by a bank to a basic client by a certain amount of money, namely, the amount of money can be recycled by an enterprise within a specified period of time, so that the short-term fund turnover difficulty of the enterprise can be solved, the fund circulation speed of the enterprise is increased, and the fund use efficiency of the enterprise is also improved. At present, the evaluation of the credit line needs to grade the enterprise, however, the existing enterprise operation condition grading is mostly carried out by setting an evaluation standard by a demand side and carrying out evaluation, and the problems of lack of industrial diagnosis experience, reference to a system, poor evaluation result accuracy and the like exist.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides an enterprise credit line standard analysis method.
In order to achieve the purpose, the technical scheme of the invention is as follows:
an enterprise credit limit standard analysis method comprises the following steps:
s1, acquiring enterprise financial data, preprocessing the enterprise financial data to form a sample set, and executing the step S2;
s2, establishing an enterprise scoring model, calculating a sample set through the enterprise scoring model to obtain enterprise scores, and executing the step S3;
s3, carrying out limit analysis on the enterprise score to obtain an enterprise limit, and executing the step S4;
s4, the enterprise limit is calculated according to the rule to obtain the enterprise credit limit.
More specifically, the enterprise scoring model described in step 2 is established as follows:
s21, inputting historical enterprise financial data, wherein the historical enterprise financial data comprises industry data, development statistical data, operation data and historical income data;
s22, performing data analysis on the historical enterprise financial data to obtain enterprise analysis data;
and S23, carrying out weight calculation on the enterprise analysis data to form an enterprise scoring model.
More specifically, the process of the credit analysis in step S3 is as follows:
s31, acquiring enterprise risk level based on enterprise score;
s32, calculating an enterprise debt paying base according to the enterprise risk level, and acquiring an enterprise limit line by combining the enterprise debt paying base and the enterprise score, wherein the enterprise debt paying base comprises a debt paying base I and a debt paying base II;
s33, the enterprise limit is calculated according to the rule to obtain the enterprise credit limit.
More specifically, the repayment base one calculation formula described in step S32 is as follows:
M1＝Nx×Q+Ix×E
in the formula, M1To repay the debt cardinality one, NxPaying for last year value-added tax, Q is value-added tax magnification, IxThe tax amount of the enterprise income tax in the last year is calculated, and E is the amplification factor of the enterprise income tax.
More specifically, the repayment base two calculation formula in step S32 is as follows:
Mz＝Min(XAYB×Xab〕×VA+YB×VB
in the formula, MzTo repay the debt cardinality two, XAFor business income, YBFor total of assets, XabFor maximum ratio of revenue to total assets, VASpecific gravity for incomeBTotalizing the specific gravity for the asset.
The invention has the beneficial effects that: the invention provides an enterprise credit line standard analysis method, which is used for overcoming the problem that the enterprise operation evaluation in the prior art is relatively unilateral and improving the evaluation efficiency.
Drawings
In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
Fig. 1 is provided by the present invention: a schematic flow diagram;
fig. 2 is provided by the present invention: the score prediction schematic diagram of the small and micro service and other industry enterprises;
fig. 3 is provided by the present invention: a schematic diagram of the pre-estimate score of the small micro-wholesale retail enterprise;
fig. 4 is provided by the present invention: the score of the small micro-manufacturing enterprise is shown schematically.
Detailed Description
Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only for illustrating the technical solutions of the present invention more clearly, and therefore are only examples, and the protection scope of the present invention is not limited thereby.
It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which the invention pertains.
As shown in fig. 1, a method for analyzing the credit limit criteria of an enterprise includes the following steps:
s1, acquiring enterprise financial data, preprocessing the enterprise financial data to form a sample set, and executing the step S2;
s2, establishing an enterprise scoring model, calculating a sample set through the enterprise scoring model to obtain enterprise scores, and executing the step S3;
s3, carrying out limit analysis on the enterprise score to obtain an enterprise limit, and executing the step S4;
s4, the enterprise limit is calculated according to the rule to obtain the enterprise credit limit.
More specifically, the enterprise scoring model described in step 2 is established as follows:
s21, inputting historical enterprise financial data, wherein the historical enterprise financial data comprises industry data, development statistical data, operation data and historical income data;
s22, performing data analysis on the historical enterprise financial data to obtain enterprise analysis data;
and S23, carrying out weight calculation on the enterprise analysis data to form an enterprise scoring model.
More specifically, the process of the credit analysis in step S3 is as follows:
s31, acquiring enterprise risk level based on enterprise score;
s32, calculating an enterprise debt paying base according to the enterprise risk level, and acquiring an enterprise limit line by combining the enterprise debt paying base and the enterprise score, wherein the enterprise debt paying base comprises a debt paying base I and a debt paying base II;
s33, the enterprise limit is calculated according to the rule to obtain the enterprise credit limit.
More specifically, the repayment base one calculation formula described in step S32 is as follows:
M1＝Nx×Q+Ix×E
in the formula, M1To repay the debt cardinality one, NxPaying for last year value-added tax, Q is value-added tax magnification, IxThe tax amount of the enterprise income tax in the last year is calculated, and E is the amplification factor of the enterprise income tax.
More specifically, the repayment base two calculation formula in step S32 is as follows:
M2＝Min(XAYB×Xab)×VA+YB×VB
in the formula, M2To repay the debt cardinality two, XAFor business income, YBFor total of assets, XabFor maximum ratio of revenue to total assets, VASpecific gravity for incomeBTotalizing the specific gravity for the asset.
Example 1
As shown in FIG. 2, scores are forecasted for small business services and other industry enterprises
For enterprises with industries of small and micro services and other industries, the final credit is obtained based on two measurement schemes.
Both measurement schemes are based on the following formula:
single customer quota ═ repayment base x industry evaluation coefficient x customer risk level adjustment coefficient
Customer risk level:
Figure BDA0003303703430000041
the level 10 enterprise refuses to loan. The level limits of lending may be adjusted manually based on platform business development.
There are two sets of schemes for calculating the repayment base: scheme 1, scheme 2, two sets of schemes correspond to debt paying cardinality 1, debt paying cardinality 2 respectively. After different repayment cardinalities are obtained by the two schemes, the mapping relation used by the industry evaluation coefficient and the client risk level adjustment coefficient is the same, and therefore the scheme 1 line and the scheme 2 line are obtained.
Scheme 1
Payment base1Multiplying the tax amount due to the last-year increment tax by the increment tax magnification factor, multiplying the tax amount due to the last-year enterprise tax by the enterprise tax magnification factor
Wherein the content of the first and second substances,
Figure BDA0003303703430000051
scheme 2
Payment base2MIN (revenue, total of assets x maximum ratio of revenue to total of assets) × revenue specific gravity + total of assets x total of assets specific gravity
Wherein the content of the first and second substances,
Figure BDA0003303703430000052
the values of "operating income" and "total of assets" in the repayment ability agency index should be the values of the corresponding accounting subject in the financial statements of the last complete accounting year declared to the tax authority.
Industry evaluation coefficient:
Figure BDA0003303703430000053
Figure BDA0003303703430000061
customer risk level adjustment factor
Figure BDA0003303703430000062
Special cases are as follows:
in order to avoid the situation that the high-quality enterprise quota is too low, the quota of the scheme 2 is corrected as follows:
Figure BDA0003303703430000063
Figure BDA0003303703430000071
after correction, the debt base will be paid2(correction value) substituting the quota calculation formula to recalculate the quota of the scheme 2, and taking the recalculated quota of the scheme 2 as the quota measured and calculated by the final scheme 2, wherein the third item of the measurement scheme is as follows: and finally, judging in the quota.
And a final limit value scheme:
Figure BDA0003303703430000072
the highest quota of an enterprise meeting the loan rating requirement is 300 ten thousand yuan.
Example 2
As shown in FIG. 3, the scores are forecasted for the small micro-wholesale retail business enterprise
For enterprises with industries of small wholesale retail, the final credit is obtained based on two measurement schemes.
Both measurement schemes are based on the following formula:
single customer quota ═ repayment base x industry evaluation coefficient x customer risk level adjustment coefficient
Customer risk level:
Figure BDA0003303703430000081
the level 10 enterprise refuses to loan. The level limits of lending may be adjusted manually based on platform business development.
Payment base
There are two sets of schemes for calculating the repayment base: scheme 1 and scheme 2, wherein the two schemes respectively correspond to debt paying base numbers1Base of debt, base of debt2. After different repayment cardinalities are obtained by the two schemes, the mapping relation used by the industry evaluation coefficient and the client risk level adjustment coefficient is the same, and therefore the scheme 1 line and the scheme 2 line are obtained.
Scheme 1
Payment base1Multiplying the tax amount due to the last-year increment tax by the increment tax magnification factor, multiplying the tax amount due to the last-year enterprise tax by the enterprise tax magnification factor
Wherein the content of the first and second substances,
Figure BDA0003303703430000082
Figure BDA0003303703430000091
scheme 2
Payment base2MIN (revenue, total of assets x maximum ratio of revenue to total of assets) × revenue ratio + total of assetsX total specific gravity of assets
Wherein the content of the first and second substances,
Figure BDA0003303703430000092
the values of "operating income" and "total of assets" in the repayment ability agency index should be the values of the corresponding accounting subject in the financial statements of the last complete accounting year declared to the tax authority.
Coefficient of industry evaluation
Figure BDA0003303703430000093
Customer risk level adjustment factor
Figure BDA0003303703430000094
Figure BDA0003303703430000101
Special cases
In order to avoid the situation that the high-quality enterprise quota is too low, the quota of the scheme 2 is corrected as follows:
Figure BDA0003303703430000102
after correction, the debt base will be paid2(correction value) substituting the quota calculation formula to recalculate the quota of the scheme 2, and taking the recalculated quota of the scheme 2 as the quota measured and calculated by the final scheme 2, wherein the third item of the measurement scheme is as follows: and finally, judging in the quota.
Final limit value-taking scheme
Figure BDA0003303703430000111
The highest quota of an enterprise meeting the loan rating requirement is 300 ten thousand yuan.
Example 3
As shown in FIG. 4, scores are forecasted for small micro-manufacturing enterprises
For enterprises with small micro-manufacturing industries, the final credit is obtained based on two measurement schemes.
Both measurement schemes are based on the following formula:
single customer quota ═ repayment base x industry evaluation coefficient x customer risk level adjustment coefficient
Client risk level
Figure BDA0003303703430000112
Figure BDA0003303703430000121
The level 10 enterprise refuses to loan. The level limits of lending may be adjusted manually based on platform business development.
Payment base
There are two sets of schemes for calculating the repayment base: scheme 1 and scheme 2, wherein the two schemes respectively correspond to debt paying base numbers1Base of debt, base of debt2. After different repayment cardinalities are obtained by the two schemes, the mapping relation used by the industry evaluation coefficient and the client risk level adjustment coefficient is the same, and therefore the scheme 1 line and the scheme 2 line are obtained.
Scheme 1
Payment base1Multiplying the tax amount due to the last-year increment tax by the increment tax magnification factor, multiplying the tax amount due to the last-year enterprise tax by the enterprise tax magnification factor
Wherein the content of the first and second substances,
Figure BDA0003303703430000122
scheme 2
Payment base2MIN (revenue, total of assets x maximum ratio of revenue to total of assets) × revenue specific gravity + total of assets x total of assets specific gravity
Wherein the content of the first and second substances,
Figure BDA0003303703430000123
Figure BDA0003303703430000131
the values of "operating income" and "total of assets" in the repayment ability agency index should be the values of the corresponding accounting subject in the financial statements of the last complete accounting year declared to the tax authority.
Coefficient of industry evaluation
Figure BDA0003303703430000132
Customer risk level adjustment factor
Figure BDA0003303703430000133
Special cases
In order to avoid the situation that the high-quality enterprise quota is too low, the quota of the scheme 2 is corrected as follows:
Figure BDA0003303703430000134
Figure BDA0003303703430000141
after correction, the debt base will be paid2Substituting the correction value into the quota calculation formula to recalculate the quota of the scheme 2, and calculating the quota of the schemeThe recalculated quota of the scheme 2 is used as the quota measured and calculated by the final scheme 2, and in the third item of the measuring and calculating scheme: and finally, judging in the quota.
Final limit value-taking scheme
Figure BDA0003303703430000142
The highest quota of an enterprise meeting the loan rating requirement is 300 ten thousand yuan.
In addition, the enterprise scoring model: after financial data submitted to industrial and commercial departments and tax departments from enterprises are collected, dozens of thousands of enterprises are subjected to data analysis according to indexes such as industrial characteristics, development rules, operation modes, multi-year income degrees and the like, data comprehensive evaluation is performed according to analysis indexes corresponding to different industries, index weights of various dimensions are determined, and a stage model is formed.
For example, for small micro-manufacturing, the following criteria are referenced from the phase model, as follows:
rate of assets and liabilities
Income of business
Net rate of interest
Sales cash ratio
Rate of sales charge
Year of establishment
Sales revenue growth rate
Each index has an operation rule corresponding to the index, each index has a corresponding score value in a score interval through the product of the operated value and the weight, and by analogy, the total score value of the enterprise is obtained by accumulating and summing the score values corresponding to the 7 indexes respectively.
And (3) enterprise scoring: the industry type is determined in the enterprise registration process, and the determination of the industry type finally determines the index name which needs to be maintained. The required financial index data is manually maintained by the enterprise, and after the maintenance is finished, the score is calculated according to a rule defined in advance to obtain the final score of the enterprise.
The calculation steps of the quota analysis are as follows:
1. and determining the risk level of the current enterprise according to the scores of the enterprises.
2. The calculation of the repayment base is carried out according to the risk level, and the calculation scheme has two schemes, each of which obtains different results, and the two results are required.
3. And obtaining the client quota according to the two repayment bases, the industry evaluation coefficient and the risk level adjustment coefficient.
4. The customer limit, which is based on the repayment base 2 of steps 2 and 3, is adjusted again.
And finally, performing a round of regular operation according to results (referring to the final limit value-taking scheme) obtained by the two schemes to obtain the final enterprise credit limit.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.

Claims (5)

1. An enterprise credit limit standard analysis method is characterized by comprising the following steps:
s1, acquiring enterprise financial data, preprocessing the enterprise financial data to form a sample set, and executing the step S2;
s2, establishing an enterprise scoring model, calculating a sample set through the enterprise scoring model to obtain enterprise scores, and executing the step S3;
s3, carrying out limit analysis on the enterprise score to obtain an enterprise limit, and executing the step S4;
s4, the enterprise limit is calculated according to the rule to obtain the enterprise credit limit.
2. The method as claimed in claim 1, wherein the enterprise rating model in step 2 is established as follows:
s21, inputting historical enterprise financial data, wherein the historical enterprise financial data comprises industry data, development statistical data, operation data and historical income data;
s22, performing data analysis on the historical enterprise financial data to obtain enterprise analysis data;
and S23, carrying out weight calculation on the enterprise analysis data to form an enterprise scoring model.
3. The method as claimed in claim 1, wherein the analysis of credit limit in step S3 comprises the following steps:
s31, acquiring enterprise risk level based on enterprise score;
s32, calculating an enterprise debt paying base according to the enterprise risk level, and acquiring an enterprise limit line by combining the enterprise debt paying base and the enterprise score, wherein the enterprise debt paying base comprises a debt paying base I and a debt paying base II;
s33, the enterprise limit is calculated according to the rule to obtain the enterprise credit limit.
4. The method as claimed in claim 3, wherein the repayment base one is calculated as follows in step S32:
M1＝Nx×Q+Ix×E
in the formula, M1To repay the debt cardinality one, NxPaying for last year value-added tax, Q is value-added tax magnification, IxThe tax amount of the enterprise income tax in the last year is calculated, and E is the amplification factor of the enterprise income tax.
5. The method as claimed in claim 3, wherein the repayment base two calculation formula in step S32 is as follows:
M2＝Min〔XAYB×Xab〕×VA+YB×VB
in the formula, MzTo repay the debt cardinality two, XAFor business income, YBFor total of assets, XabFor maximum ratio of revenue to total assets, VASpecific gravity for incomeBTotalizing the specific gravity for the asset.
CN202111197697.2A 2021-10-14 2021-10-14 Enterprise credit line standard analysis method Pending CN113887981A (en)

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Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105447748A (en) * 2015-11-05 2016-03-30 安徽融信金模信息技术有限公司 Enterprise credit risk statistical method
CN108648074A (en) * 2018-05-18 2018-10-12 深圳壹账通智能科技有限公司 Loan valuation method, apparatus based on support vector machines and equipment
CN111027836A (en) * 2019-12-03 2020-04-17 泰州企业征信服务有限公司 Enterprise public credit rating system and method
CN111062802A (en) * 2019-12-03 2020-04-24 泰州企业征信服务有限公司 Enterprise online fast credit line assessment system and method
CN111210341A (en) * 2020-01-14 2020-05-29 中国建设银行股份有限公司 Method and device for determining service quota
CN111708883A (en) * 2020-06-01 2020-09-25 江苏苏宁银行股份有限公司 Credit credit limit determination method and device based on machine learning and equipment fingerprint
CN112231634A (en) * 2020-09-11 2021-01-15 重庆誉存大数据科技有限公司 Credit limit calculation method, system and equipment based on enterprise information
CN112700319A (en) * 2020-12-16 2021-04-23 中国建设银行股份有限公司 Enterprise credit line determination method and device based on government affair data

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105447748A (en) * 2015-11-05 2016-03-30 安徽融信金模信息技术有限公司 Enterprise credit risk statistical method
CN108648074A (en) * 2018-05-18 2018-10-12 深圳壹账通智能科技有限公司 Loan valuation method, apparatus based on support vector machines and equipment
CN111027836A (en) * 2019-12-03 2020-04-17 泰州企业征信服务有限公司 Enterprise public credit rating system and method
CN111062802A (en) * 2019-12-03 2020-04-24 泰州企业征信服务有限公司 Enterprise online fast credit line assessment system and method
CN111210341A (en) * 2020-01-14 2020-05-29 中国建设银行股份有限公司 Method and device for determining service quota
CN111708883A (en) * 2020-06-01 2020-09-25 江苏苏宁银行股份有限公司 Credit credit limit determination method and device based on machine learning and equipment fingerprint
CN112231634A (en) * 2020-09-11 2021-01-15 重庆誉存大数据科技有限公司 Credit limit calculation method, system and equipment based on enterprise information
CN112700319A (en) * 2020-12-16 2021-04-23 中国建设银行股份有限公司 Enterprise credit line determination method and device based on government affair data

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