CN113901775A - Credit report generation method and system - Google Patents
Credit report generation method and system Download PDFInfo
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- CN113901775A CN113901775A CN202111169697.1A CN202111169697A CN113901775A CN 113901775 A CN113901775 A CN 113901775A CN 202111169697 A CN202111169697 A CN 202111169697A CN 113901775 A CN113901775 A CN 113901775A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
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- G06F16/9038—Presentation of query results
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Abstract
The credit report generation method and the credit report generation system regularly acquire credit report of a whole credit legal person of a local bank through a credit port people bank, then associate the credit report with a corresponding enterprise, inquire the credit report and the operation data of the enterprise through a set template and a set rule, introduce an inquiry result into the template of the credit report, and obtain the credit report of inquiry information according to the inquiry information.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a credit report generation method and a credit report generation system.
Background
With the rapid development of domestic economy, the asset scale and credit customer number of each bank also enter a stage of accelerating growth, but in the aspects of credit data display, analysis and risk monitoring and early warning, the conventional modes such as manual inquiry, manual statistics and paper display are still remained for a long time at present, so that the approval efficiency of credit is greatly prolonged, and the capital cost of enterprises is improved.
Therefore, how to timely and effectively analyze and display various asset business information becomes a major pain point which troubles the financial industry.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides a credit report generation method and a credit report generation system, which improve the credit approval efficiency.
The invention is realized by the following technical scheme:
a credit report generation method comprising the steps of:
step 1, acquiring operation data of each enterprise;
step 2, acquiring a credit investigation report of the bank full credit legal person;
step 3, associating the total credit investigation report obtained in the step 2 with the corresponding enterprise in the step 1;
step 4, setting a generating rule of a credit report template;
step 5, importing data corresponding to the rules in credit investigation reports and operation data of enterprises into a credit report template according to the generating rules of the credit report template;
and 6, obtaining a credit report of the enterprise according to the information of the enterprise.
Preferably, the operation data in step 1 includes business data, financial data and financial flow data of the enterprise, and the obtained data is stored in a database in a classified manner.
Preferably, the method for acquiring the credit investigation report in step 2 is as follows:
periodically generating a client information file from client information needing to apply for credit investigation according to a set requirement, submitting the client information file to sftp for transfer, and regularly acquiring the client information file by a people bank to generate credit investigation data;
and the people bank returns the credit investigation data to the transfer sftp, acquires credit investigation data in the transfer sftp, and analyzes the credit investigation data to obtain a credit investigation report of the credit legal system.
Preferably, the method for acquiring the credit investigation report in step 2 is as follows: the regular period is to obtain credit investigation reports of the full credit legal person monthly or quarterly.
Preferably, the report includes basic enterprise information, information summary, credit record details, non-credit record details, public information details, financial information details, rating information, statement and objection marking information.
Preferably, the credit report template in step 4 is generated according to a rule that information in the credit report is searched according to a query field, and the query field includes information report date, service management organization type, credit balance, five-level classification, guarantee mode, overdue total amount, external service balance, external five-level classification, anti-guarantee mode and compensation mark.
Preferably, after the enterprise information of the query is input in step 6, it is first determined whether there is a draft of the credit report, if there is a draft of the credit report, it is selected whether to use the draft, if the draft is selected, the draft of the channel report is supplemented, and a complete enterprise credit report is output, and if it is selected to abandon the draft, the draft is deleted, and a new credit report is generated.
A system for a credit report generation method, comprising
The acquisition module is used for acquiring the operation data of each enterprise;
the credit investigation module is used for acquiring a credit investigation report of a full credit legal person of the bank;
the information association module is used for associating the full credit investigation report with the corresponding enterprise in the step 1;
the credit report rule module is used for setting the generation rule of the credit report template;
the generating module is used for importing data corresponding to the rules in credit investigation reports and operation data of enterprises into the credit report template according to the generating rules of the credit report template;
and the query module is used for obtaining the credit report of the enterprise according to the information of the enterprise.
Compared with the prior art, the invention has the following beneficial technical effects:
the credit report generation method provided by the invention is characterized in that credit report of a whole credit legal person in a local bank is obtained regularly through a credit port people bank, then the credit report is associated with a corresponding enterprise, the credit report and the operation data of the enterprise are inquired through a set template and a set rule, an inquiry result is led into the template of the credit report, the credit report of the inquiry information can be obtained according to the inquiry information, and the system for generating the post-credit management report through one-key enterprise name optimizes the post-credit management report and the process, realizes the intelligent one-key generation of the post-credit management report, effectively shortens the writing time of the report to be within ten minutes, and releases business personnel from heavy case work.
Drawings
Fig. 1 is a flow chart of credit investigation data analysis and storage according to the present invention.
FIG. 2 is a flow chart of a credit report generation method of the present invention.
Detailed Description
The present invention will now be described in further detail with reference to the attached drawings, which are illustrative, but not limiting, of the present invention.
Referring to fig. 1 and 2, a credit report generation method includes the steps of:
step 1, acquiring and storing operation data of each enterprise;
the operation data comprises the business data, the financial data and the financial flow data of the enterprise, and the acquired data is stored in the database in a classified mode.
Step 2, acquiring a credit investigation report of the bank full credit legal person;
applying for credit investigation reports of all credit legal persons of the bank to the people's bank regularly, generating customer information files needing credit investigation according to the credit investigation interface specification of the bank through a timing task, then submitting the customer information files to sftp as a transfer, and obtaining the customer information files by the people's bank regularly to generate credit investigation data.
And returning credit investigation data of the full credit legal person to the transfer sftp by the people bank from the T +2 days after the application date, acquiring the credit investigation data in the transfer sftp in a positioning or real-time acquisition mode, and analyzing the credit investigation data to obtain a credit investigation report of the credit legal person.
The credit investigation report comprises basic enterprise information, information summary, credit record detail, non-credit record detail, public information detail, financial information detail, rating information, statement and objection marking information.
The credit investigation report of the full credit legal person is obtained periodically, and the credit investigation report can be the credit investigation report of the full credit legal person applied quarterly, or the credit investigation report can be applied monthly or once every half year.
And 3, associating the total credit investigation report obtained in the step 2 with the corresponding enterprise in the step 1.
Step 4, setting a generating rule of a credit report template;
the rules of the credit template comprise the set information of a client basic condition table of an enterprise, examination and approval requirement implementation states, financial institution financing change data, external guarantee data, group financing data (applicable to non-national enterprises except general cores), negative information data, financial data abnormal fluctuation data, current credit fund flow data issued in the current period, goods fund return data, large abnormal fund transaction data, transaction opponent data, abnormal repayment fund source data, field check records, post-loan physical examination results, post-loan problem discovery and implementation situations and post-loan conclusions in the current period.
The generation rule is to search the information in the credit investigation report according to the fields, and the fields comprise information report date, service management organization type, credit balance, five-level classification, guarantee mode, overdue total amount, external service balance, external five-level classification, counter guarantee mode and compensation (payment) mark.
The flow direction of the credit fund issued in the current period, the return of the goods and money fund, the large-amount abnormal fund transaction, the first 10 large transaction opponents and the abnormal repayment fund source are automatically monitored.
Step 5, importing data corresponding to the rules in credit investigation reports and operation data of enterprises into a credit report template according to the rules of the credit report template;
and 6, obtaining a credit report of the enterprise according to the information of the enterprise.
After inputting the enterprise information, firstly judging whether a draft of the credit report exists or not, if so, selecting whether the draft is used or not, if so, supplementing the draft of the channel report, outputting a complete enterprise credit report, and if selecting to abandon the draft, deleting the draft and generating a new credit report.
The system for generating the post-loan management report by one key of enterprise name optimizes the post-loan management report and the process, innovatively establishes a set of risk monitoring intelligent early warning mechanism, realizes the intelligent one-key generation of the post-loan management report, greatly shortens the time for writing the credit report, releases business personnel from heavy case work, and puts more energy into foreground marketing and expansion.
The above-mentioned contents are only for illustrating the technical idea of the present invention, and the protection scope of the present invention is not limited thereby, and any modification made on the basis of the technical idea of the present invention falls within the protection scope of the claims of the present invention.
Claims (8)
1. A credit report generation method, comprising the steps of:
step 1, acquiring operation data of each enterprise;
step 2, acquiring a credit investigation report of the bank full credit legal person;
step 3, associating the total credit investigation report obtained in the step 2 with the corresponding enterprise in the step 1;
step 4, setting a generating rule of a credit report template;
step 5, importing data corresponding to the rules in credit investigation reports and operation data of enterprises into a credit report template according to the generating rules of the credit report template;
and 6, obtaining a credit report of the enterprise according to the information of the enterprise.
2. The credit report generation method of claim 1, wherein the operation data in step 1 includes business data, financial data and financial pipeline data of the enterprise, and the obtained data is stored in the database in a classified manner.
3. The credit report generation method according to claim 1, wherein the method of obtaining the credit report in step 2 is as follows:
periodically generating a client information file from client information needing to apply for credit investigation according to a set requirement, submitting the client information file to sftp for transfer, and regularly acquiring the client information file by a people bank to generate credit investigation data;
and the people bank returns the credit investigation data to the transfer sftp, acquires credit investigation data in the transfer sftp, and analyzes the credit investigation data to obtain a credit investigation report of the credit legal system.
4. A credit report generation method according to claim 3, characterized in that the method of obtaining credit report in step 2 is as follows: the regular period is to obtain credit investigation reports of the full credit legal person monthly or quarterly.
5. The credit report generation method of claim 1, wherein the credit report includes basic information of the enterprise, information summary, credit record detail, non-credit record detail, public information detail, financial information detail, rating information, statement and objection marking information.
6. The method for generating a credit report according to claim 5, wherein the credit report template in step 4 is generated by searching information in the credit report according to query fields, wherein the query fields comprise information report date, service authority type, credit balance, five-level classification, guarantee mode, overdue total, off-table service balance, off-table five-level classification, anti-guarantee mode and compensation mark.
7. The method of claim 1, wherein after entering the business information for the query in step 6, it is first determined whether there is a draft for the credit report, and if there is a draft for the credit report, then selecting whether to use the draft, and if so, then supplementing the draft for the channel report, and outputting the credit report for the completed business, and if so, then deleting the draft, and generating a new credit report.
8. A system for a credit report generation method according to any of claims 1-7, including
The acquisition module is used for acquiring the operation data of each enterprise;
the credit investigation module is used for acquiring a credit investigation report of a full credit legal person of the bank;
the information association module is used for associating the full credit investigation report with the corresponding enterprise in the step 1;
the credit report rule module is used for setting the generation rule of the credit report template;
the generating module is used for importing data corresponding to the rules in credit investigation reports and operation data of enterprises into the credit report template according to the generating rules of the credit report template;
and the query module is used for obtaining the credit report of the enterprise according to the information of the enterprise.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111169697.1A CN113901775A (en) | 2021-10-08 | 2021-10-08 | Credit report generation method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111169697.1A CN113901775A (en) | 2021-10-08 | 2021-10-08 | Credit report generation method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113901775A true CN113901775A (en) | 2022-01-07 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111169697.1A Pending CN113901775A (en) | 2021-10-08 | 2021-10-08 | Credit report generation method and system |
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| Country | Link |
|---|---|
| CN (1) | CN113901775A (en) |
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2021
- 2021-10-08 CN CN202111169697.1A patent/CN113901775A/en active Pending
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