CN114638505A

CN114638505A - Credit granting capability determining method, device, equipment, medium and product

Info

Publication number: CN114638505A
Application number: CN202210273161.2A
Authority: CN
Inventors: 夏成扬; 舒杨
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-03-18
Filing date: 2022-03-18
Publication date: 2022-06-17

Abstract

The invention discloses a method, a device, equipment, a medium and a product for determining credit granting capacity, and relates to the technical field of data processing. The method comprises the following steps: determining a target evaluation scheme corresponding to an object to be determined, wherein the target evaluation scheme comprises at least one evaluation index, and each evaluation index comprises at least one evaluation element; determining the element score of each evaluation element according to at least one service data of the object to be determined; determining an index score of each evaluation index according to each element score; and determining the credit granting capacity value of the object to be determined according to the score of each index. According to the technical scheme of the embodiment of the invention, the credit granting capacity value of the object to be determined is determined by determining the target evaluation scheme of the object to be determined, and combining the service data of the object to be determined through the evaluation indexes and the evaluation elements, so that the problem that the current credit granting evaluation scheme cannot accurately reflect the credit granting capacity of the object to be evaluated is solved, and the increasing credit granting capacity evaluation requirement can be met.

Description

Method, device, equipment, medium and product for determining credit granting capability

Technical Field

The invention relates to the technical field of data processing, in particular to a method, a device, equipment, a medium and a product for determining credit granting capacity.

Background

The credit granting capacity control is an important component of risk control of financial institutions such as commercial banks, and therefore credit granting approval needs to be performed on the financial institutions such as the commercial banks in advance to determine the credit granting capacity of each institution.

Currently, the credit granting capacity of financial institutions such as commercial banks is determined mainly by substituting business indexes of each institution into an evaluation scheme through a configured approval evaluation scheme, so as to determine the credit granting capacity of each institution.

However, the existing credit granting capability evaluation scheme has limitations, and since the schemes are all in fixed configuration, that is, all the evaluated objects are evaluated by using one set of scheme, the evaluation result cannot objectively reflect the credit granting capability of the evaluated object, and thus the increasing demand for credit granting capability evaluation cannot be met.

Disclosure of Invention

The invention provides a method, a device, equipment, a medium and a product for determining credit granting capacity, which are used for solving the limitation of the existing credit granting capacity evaluation scheme and meeting the increasing demand of credit granting capacity evaluation.

According to an aspect of the present invention, a method for determining a trust capability is provided, the method comprising:

determining a target evaluation scheme corresponding to an object to be determined, wherein the target evaluation scheme comprises at least one evaluation index, and each evaluation index comprises at least one evaluation element;

determining an element score of each evaluation element according to at least one service data of the object to be determined;

determining an index score for each of the evaluation indexes based on each of the factor scores;

and determining the credit granting capacity value of the object to be determined according to each index score.

Optionally, each of the evaluation elements corresponds to at least one business item, and each of the evaluation elements includes a score scheme and a first score weight of each corresponding business item;

correspondingly, the determining the element score of each evaluation element according to the service data of the object to be determined includes:

determining a basic score of each evaluation element by using a score scheme corresponding to each evaluation element according to the business data;

and determining an element score of each evaluation element according to the first score weight and the basic score.

Optionally, the scoring schema includes: a fixed scoring schema;

accordingly, each of the fixed scoring schemes is set by:

determining at least one retrieval tag according to a business item corresponding to the current fixed score scheme;

determining at least one preset scoring scheme according to the at least one retrieval tag, wherein each preset scoring scheme comprises a preset business item name, at least one preset scoring rule and at least one retrieval tag;

sorting the at least one preset scoring scheme according to a heat value of each preset scoring scheme, wherein the heat value is positively correlated with the selected times of the preset scoring schemes;

selecting a target preset scoring schema from the at least one preset scoring schema as the current fixed scoring schema.

Optionally, the scoring schema includes: customizing a scoring scheme;

correspondingly, each customized scoring scheme is set as follows:

creating a first blank custom scoring schema;

determining the name of the custom scheme of the current custom scoring scheme according to the business item corresponding to the current custom scoring scheme;

defining a custom scoring rule for the current custom scoring schema;

and importing the user-defined scheme name and the user-defined score rule into the first blank score scheme to obtain the user-defined score scheme.

Optionally, each customized scoring scheme includes at least one search tag, where the search tag is generated according to a customized scheme name of the customized scoring scheme; the scoring schema, comprising: a variant scoring schema;

accordingly, each of the variable scoring schemes is set as follows:

creating a second white space variable scoring schema;

determining the variable scheme name of the current variable scoring scheme according to the business item corresponding to the current variable scoring scheme;

determining at least one retrieval tag according to the variable scheme name;

determining at least one of the fixed scoring schema or the custom scoring schema based on at least one search tag;

selecting a to-be-selected fixed scoring scheme or a to-be-selected custom scoring scheme from at least one of the fixed scoring schemes or the custom scoring schemes;

and importing the variable scheme name and the score rule of the to-be-selected fixed score scheme or the score rule of the to-be-selected user-defined score scheme into the second blank score scheme to obtain the variable score scheme.

Optionally, the scoring rule includes: a qualitative index rule and/or a quantitative index rule;

the qualitative index rule comprises the following steps: determining a data value of the business data, substituting the data value into a fixed formula, and calculating to obtain the element score;

the quantitative index rule comprises the following steps: and determining a data value of the business data, determining a numerical interval where the data value is located, and obtaining the element score according to a preset corresponding relation between the numerical interval and the score.

Optionally, each evaluation index corresponds to a second score weight, and each index score is a sum of element scores of at least one evaluation element included in the corresponding evaluation index;

correspondingly, the determining the credit granting ability value of the object to be determined according to each index score includes:

determining a scheme score of the target evaluation scheme according to each index score and the second score weight;

and determining the credit granting capacity value of the object to be determined according to the scheme score.

According to another aspect of the present invention, there is provided a trust capability determining apparatus, including:

a target evaluation scheme determination unit, configured to determine a target evaluation scheme corresponding to an object to be determined, where the target evaluation scheme includes at least one evaluation index, and each evaluation index includes at least one evaluation element;

the element score determining unit is used for determining the element score of each evaluation element according to at least one service data of the object to be determined;

an index score determination unit configured to determine an index score for each of the evaluation indexes based on each of the element scores;

and the credit granting capacity value determining unit is used for determining the credit granting capacity value of the object to be determined according to each index score.

According to another aspect of the present invention, there is provided an electronic apparatus including:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein,

the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor to enable the at least one processor to execute the trust capability determining method according to any embodiment of the present invention.

According to another aspect of the present invention, a computer-readable storage medium is provided, which stores computer instructions for causing a processor to implement the method for determining the trust capability according to any embodiment of the present invention when executed.

According to another aspect of the present invention, a computer program product is provided, the computer program product comprising a computer program, which when executed by a processor, implements a trust capability determination method according to any one of the embodiments of the present invention.

According to the technical scheme of the embodiment of the invention, the credit granting capacity value of the object to be determined is determined by determining the target evaluation scheme of the object to be determined, and combining the service data of the object to be determined through the evaluation indexes and the evaluation elements, so that the problem that the current credit granting evaluation scheme cannot accurately reflect the credit granting capacity of the object to be evaluated is solved, and the increasing credit granting capacity evaluation requirement can be met.

It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present invention, nor do they necessarily limit the scope of the invention. Other features of the present invention will become apparent from the following description.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a flowchart of a method for determining a credit granting capability according to an embodiment of the present invention;

FIG. 2 is a flow chart of a method for determining a score of an element according to a second embodiment of the present invention;

FIG. 3 is a flowchart of a scoring schema setting method according to a third embodiment of the present invention;

FIG. 4 is a flowchart of a scoring schema setting method according to a third embodiment of the present invention;

FIG. 5 is a flowchart of a scoring schema setting method according to a third embodiment of the present invention;

fig. 6 is a flowchart of a method for determining a trust capability value according to a fourth embodiment of the present invention;

fig. 7 is a schematic structural diagram of a trust capability determining apparatus according to a fifth embodiment of the present invention;

fig. 8 is a schematic structural diagram of a trust capability determining apparatus according to a fifth embodiment of the present invention;

fig. 9 is a schematic structural diagram of an electronic device for implementing the trust capability determining method according to the embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, 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 only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

Example one

Fig. 1 is a flowchart of a method for determining credit granting ability according to an embodiment of the present invention, where this embodiment is applicable to a situation of performing credit granting ability evaluation on a financial institution, and the method may be executed by a credit granting ability determining device, and the credit granting ability determining device may be implemented in a form of hardware and/or software. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations. As shown in fig. 1, the method includes:

s110, determining a target evaluation scheme corresponding to the object to be determined, wherein the target evaluation scheme comprises at least one evaluation index, and each evaluation index comprises at least one evaluation element.

The target evaluation scheme is selected to better determine the credit granting capability of the object to be determined, and comprises at least one evaluation index, and the evaluation indexes can respectively correspond to multiple service types of the object to be determined. The evaluation elements are a plurality of refining elements of the corresponding evaluation indexes, and can be related elements of business type subdivision of the corresponding evaluation indexes.

For example, the evaluation index includes guiding structure adjustment effectiveness, and the corresponding evaluation elements include green credit business approval passing amount acceleration, manufacturing industry customer approval passing financial acceleration, infrastructure field customer approval passing amount acceleration scoring and other related businesses.

And S120, determining the element score of each evaluation element according to at least one service data of the object to be determined.

The object to be determined serves as a financial institution, various business data can be generated when the business processing is normally carried out, and the business data objectively reflect the business processing condition of the object to be determined. Therefore, according to the combination of the business data and the corresponding evaluation elements, the element score of each evaluation element can be obtained, the element score represents the business capability of the object to be determined in the evaluation element, and the actual situation of the object to be determined in the evaluation element can be quantified through the form of the element score.

And S130, determining an index score of each evaluation index according to each element score.

Here, since the evaluation element is a sub-element of the evaluation index, the index score of the evaluation index may be determined according to the element score of the evaluation element included therein, for example, the index score may be an average value of the element scores or a weighted sum of the element scores.

And S140, determining the credit granting capacity value of the object to be determined according to each index score.

The target evaluation scheme includes a plurality of evaluation indexes, and the index score of each evaluation index can be obtained by the element score of the evaluation element included in each evaluation index. And determining the credit granting capacity value of the object to be determined according to the index score of each evaluation index.

According to the technical scheme of the embodiment of the invention, the credit granting capacity value of the object to be determined is determined by determining the target evaluation scheme of the object to be determined, and combining the business data of the object to be determined through the evaluation index and the evaluation element, so that the problem that the current credit granting evaluation scheme cannot accurately reflect the credit granting capacity of the evaluation object is solved, and the increasing credit granting capacity evaluation requirement can be met.

Example two

Fig. 2 is a flowchart of a method for determining a score of an element according to a second embodiment of the present invention, and the present embodiment performs optimization based on the above embodiments. Each evaluation element corresponds to at least one business item, and each evaluation element comprises a score scheme and a first score weight of each corresponding business item. As shown in fig. 2, the determining the element score of each evaluation element according to the business data of the object to be determined includes:

and S210, determining the basic score of each evaluation element by using the score scheme corresponding to each evaluation element according to the business data.

However, since the business data cannot be directly quantized into the element score, it is necessary to calculate the element score by specifying the correspondence between the business data and the basic score by a scoring scheme. Since each evaluation element corresponds to at least one business item, and each business item corresponds to specific business data, the calculation of the basic score only needs to use the business data of the business item corresponding to the evaluation element. For example, the bad loan assessment element only needs to calculate the base score using the data related to the bad loan rate.

And S220, determining the element score of each evaluation element according to the first score weight and the basic score.

The first score weight represents the degree of importance of the evaluation element in the evaluation index, and the higher the degree of importance, the higher the first score weight. After the base score of each evaluation element is obtained, the element score is obtained by the corresponding score weight.

EXAMPLE III

Fig. 3 is a flowchart of a scoring schema setting method provided by the third embodiment of the present invention, and the third embodiment performs optimization based on the foregoing embodiments. As shown in fig. 3, when the scoring scheme includes a fixed scoring scheme, the method includes:

s310, determining at least one retrieval tag according to the business item corresponding to the current fixed scoring scheme.

The retrieval label can be determined according to the name of the business item of the current fixed scoring scheme, for example, the fields of 'approval passing amount acceleration for the manufacturing industry client', and three labels of 'approval passing' and 'amount acceleration' are determined.

S320, determining at least one preset scoring scheme according to the at least one retrieval tag, wherein each preset scoring scheme comprises a preset business item name, at least one preset scoring rule and at least one retrieval tag.

The preset scoring scheme is valued by a system parameter table, and is inherent data maintained periodically, and the name and the value range of the preset scoring scheme cannot be modified by a user usually. For each preset scoring scheme, at least one retrieval tag is set in advance, and the retrieval tag can be determined by the name of the preset scoring scheme. By retrieving the tags, at least one preset scoring scheme associated with the retrieved tags is determined and selected from.

S330, sequencing the at least one preset scoring scheme according to the heat value of each preset scoring scheme, wherein the heat value is positively correlated with the selected times of the preset scoring schemes.

The popularity value corresponds to the number of times each preset scoring scheme is selected, and the popularity value is higher when the number of times each preset scoring scheme is selected is higher. Since a search tag may correspond to a plurality of preset scoring schemes, simply listing the plurality of preset scoring schemes may make it difficult for a user to select a desired scheme from among the plurality of schemes. And sorting the preset scoring schemes through the heat value, and preferentially recommending the preset scoring schemes with more selected times to the user for selection.

S340, selecting a target preset scoring scheme from the at least one preset scoring scheme as the current fixed scoring scheme.

The user selects one of a plurality of preset scoring schemes according to the ranking according to the heat value as the current fixed scoring scheme. Optionally, in order to avoid that the preset scoring scheme required by the user is not several names before the heat value, the user still needs to search one by one in the list during the search, so that a search index may be generated according to the pinyin initial of each preset scoring scheme, and the user may quickly find the preset scoring scheme from the search index according to the intended pinyin initial of the preset scoring scheme.

Fig. 4 is a flowchart of a scoring schema setting method provided by a third embodiment of the present invention, and as shown in fig. 4, when the scoring schema includes a custom scoring schema, the method includes:

and S410, creating a first blank custom score scheme.

When the score scheme required by the user cannot be found in the preset score scheme, the user can customize the score scheme according to the requirement of the user, and the score rule and the scheme name of the customized score scheme can be customized by the user. The custom scoring schema has templates, and a user can set the custom scoring schema by obtaining a template of a blank custom scoring schema and filling the template with relevant content.

And S420, determining the custom scheme name of the current custom scoring scheme according to the business item corresponding to the current custom scoring scheme.

The user-defined scoring scheme name can be determined according to the business items related to the current user-defined scoring scheme set by the user, and the user can determine the user-defined scoring scheme name according to the actual business items, the business items and the more detailed evaluation element names. In addition, the user may substitute other names for the evaluation elements related to the customized scoring scheme, or may simply name the evaluation elements by a code number.

And S430, defining a custom score rule of the current custom score scheme.

The user performs the user-defined input on the score rules in the user-defined score scheme, wherein the user-defined input includes modifying the preset score scheme or customizing new score rules. For example, when the value range in the preset scoring scheme is inconsistent with the actual requirement, the value range can be modified on the basis of the preset scoring scheme. When the preset scoring schema is completely inconsistent with the required scoring rules, the new scoring rules may be customized.

S440, importing the user-defined scheme name and the user-defined score rule into the first blank score scheme to obtain the user-defined score scheme.

Fig. 5 is a flowchart of a scoring schema setting method provided in the third embodiment of the present invention, where each customized scoring schema includes at least one search tag, and the search tag is generated according to a customized schema name of the customized scoring schema. As shown in fig. 5, when the scoring schema includes a variant scoring schema, the method includes:

and S510, creating a second blank variable scoring scheme.

Since the variable scoring schema also needs to be partially customized by the user, when generating the variable scoring schema, the same template as the customized scoring schema, that is, the second blank variable scoring schema, may be used, and the schema name, the scoring rule, and the like are filled in by the user.

S520, determining the variable scheme name of the current variable scoring scheme according to the business item corresponding to the current variable scoring scheme.

The variable scheme name can be determined according to the business item related to the current variable score scheme set by the user, and the user can determine the variable scheme name according to the actual business item, the business item and the more detailed evaluation element name. In addition, the user may substitute other names for the evaluation elements related to the variable scoring schema, or may simply name the evaluation elements by a code.

S530, determining at least one retrieval tag according to the variable scheme name.

S540, determining at least one fixed scoring scheme or custom scoring scheme according to at least one retrieval tag.

After the variable scheme name is defined, the fixed score scheme or the custom score scheme needs to be used, and both the fixed score scheme and the custom score scheme comprise at least one retrieval tag, so after the retrieval tag is obtained according to the variable scheme name, the related fixed score scheme or the related custom score scheme can be retrieved through the retrieval tag.

For each variable score scheme customized by the user, the heat value of the retrieval tag of the used fixed score scheme or the customized score scheme can be recorded, the variable score scheme is defined next time, and the retrieval tag is determined by the variable scheme name, and the retrieval tag is sorted according to the heat value for the user to select.

Further, with respect to the retrieval tag of the custom scoring scheme, although the retrieval tag included therein may be extracted by semantic recognition by the scheme name of the custom scoring scheme, the retrieval tag may be set for the custom scoring scheme by way of manual addition in consideration of the problem in terms of accuracy. Generally, the manual adding mode can be to select from the existing search tags or to add new search tags.

And S550, importing the variable scheme name and the score rule of the to-be-selected fixed score scheme or the score rule of the to-be-selected user-defined score scheme into the second blank score scheme to obtain the variable score scheme.

In an embodiment of the present application, the scoring rule includes: a qualitative index rule and/or a quantitative index rule;

The expression form of the quantitative index rule is that the value range of one service data corresponds to one score; the expression form of the qualitative index rule is to configure an inherent formula and directly substitute the service data into the formula to calculate the score.

Taking the evaluation element bad loan rate as an example, the scores of the bad loan rate are shown in the following table 1:

TABLE 1 comparison table of the quantitative index rule of bad loan rate

As shown in table 1, when the bad loan rate is in the [0, 0.8%) interval, the bad loan rate score is 130, and the quantitative index rule is used. Since the bad loan rate variation score is not added and not subtracted at this time, the final element score is 130. When the bad loan rate is in the range of 0.8 percent and 1.6 percent, the bad loan rate score is calculated through a formula according to qualitative index rules. Assuming a bad loan rate of 1%, a bad loan rate score of 125 is calculated. If the variation of the bad loan rate exceeds 0.1 percentage point, 1 point is subtracted from the bad loan rate score, and the final element score is 124.

It is understood that different scoring rules will have great difference in final score, and the choice of qualitative index rule and quantitative index rule will also have influence on the final result. Therefore, when the score rule is customized, the accuracy of the rule and the value range is required to be ensured.

Example four

Fig. 6 is a method for determining a credit authorization value according to a fourth embodiment of the present invention, which is optimized based on the foregoing embodiments. Specifically, each evaluation index corresponds to a second score weight, and each index score is the sum of the element scores of at least one evaluation element included in the corresponding evaluation index. As shown in fig. 6, the determining, according to each index score, a trust capability value of the object to be determined includes:

s610, determining scheme scores of the target evaluation schemes according to the index scores and the second score weights.

Here, since the degree of importance of each evaluation index is different, the weight of each index score is different. In calculating the scheme score of the target evaluation scheme, it is necessary to multiply each index score by a corresponding second score weight, and the scheme score of the target evaluation scheme may be a weighted sum of each index score.

And S620, determining the credit granting ability value of the object to be determined according to the scheme score.

When there is only one object to be determined, the scheme score may be regarded as a trust ability value, and the trust level of the object to be determined may be determined by setting a correspondence between different trust ability values and different trust abilities.

When the object to be determined is a plurality of objects, the same target evaluation scheme is used for determining the credit granting capacity value in order to unify the evaluation criteria, but the score scheme of each evaluation element in different objects to be determined can be adjusted according to the actual business situation of the object to be determined, for example, when the object to be determined is a plurality of branches of a certain bank, if the evaluation element is monthly transaction amount and the plurality of branches also complete n transactions, the element score finally obtained by the branch with larger scale in the evaluation element should be lower than that of the branch with smaller scale.

In addition, due to different service plans or service scales of part of the branches, some service data may be vacant in the same target evaluation scheme, so that the score of the corresponding evaluation index or evaluation element cannot be calculated.

Under the influence of user configuration and some objective conditions, for a quantitative index rule, the condition that the value ranges of the existing indexes are not satisfied with the conditions may be generated during final calculation, so that the score cannot be calculated, and the concrete expression form is that when the final result is displayed, the evaluation element or the evaluation index does not participate in weighting (if the evaluation element does not participate in weighting, the corresponding evaluation index does not participate in weighting), and the score is displayed as ' no value range ', and the rule configuration is required to be checked '.

After the plan scores of the multiple branches are obtained, the plan scores of the multiple branches and the scores of the evaluation indexes may be displayed and subjected to data statistics, such as highest score, lowest score, middle score, and the like. For the result display form of each index detail item, the user is allowed to configure the display of the index detail item when the index score rule is configured, and generally, the user expects that part of unquantizable element values which do not participate in calculation can be displayed except the index score.

EXAMPLE five

Fig. 7 is a schematic structural diagram of a trust capability determining apparatus according to a fifth embodiment of the present invention.

As shown in fig. 7, the apparatus includes:

a target evaluation scheme determination unit 710, configured to determine a target evaluation scheme corresponding to an object to be determined, where the target evaluation scheme includes at least one evaluation index, and each evaluation index includes at least one evaluation element;

an element score determining unit 720, configured to determine an element score of each of the evaluation elements according to at least one service data of the object to be determined;

an index score determining unit 730 for determining an index score of each of the evaluation indexes based on each of the element scores;

and a trust ability value determination unit 740, configured to determine, according to each index score, a trust ability value of the object to be determined.

Optionally, when each of the evaluation elements corresponds to at least one business item, and each of the evaluation elements includes a score scheme and a first score weight of each corresponding business item, the element score determining unit is configured to perform: determining a basic score of each evaluation element by using a score scheme corresponding to each evaluation element according to the business data; and determining an element score of each evaluation element according to the first score weight and the basic score.

Fig. 8 is a schematic structural diagram of a trust capability determining apparatus provided in the fifth embodiment, where the apparatus further includes: a scoring scheme setting unit 810;

alternatively, when the scoring schema includes a fixed scoring schema, the scoring schema setting unit 810 sets each of the fixed scoring schemas by: determining at least one retrieval tag according to the business item corresponding to the current fixed score scheme; determining at least one preset scoring scheme according to the at least one retrieval tag, wherein each preset scoring scheme comprises a preset business item name, at least one preset scoring rule and at least one retrieval tag; sorting the at least one preset scoring scheme according to a heat value of each preset scoring scheme, wherein the heat value is positively correlated with the selected times of the preset scoring schemes; selecting a target preset scoring schema from the at least one preset scoring schema as the current fixed scoring schema.

Optionally, when the scoring schema includes a custom scoring schema, the scoring schema setting unit 810 sets each of the custom scoring schemas by: creating a first blank custom scoring schema; determining the name of the custom scheme of the current custom scoring scheme according to the business item corresponding to the current custom scoring scheme; defining a custom scoring rule for the current custom scoring schema; and importing the user-defined scheme name and the user-defined score rule into the first blank score scheme to obtain the user-defined score scheme.

Optionally, when each of the customized scoring schemes includes at least one search tag, the search tag is generated according to a customized scheme name of the customized scoring scheme, and the scoring scheme includes a variable scoring scheme, the scoring scheme setting unit 810 sets each of the variable scoring schemes by: creating a second white space variable scoring schema; determining the variable scheme name of the current variable scoring scheme according to the business item corresponding to the current variable scoring scheme; determining at least one retrieval tag according to the variable scheme name; determining at least one of the fixed scoring schema or the custom scoring schema based on at least one search tag; selecting a to-be-selected fixed scoring scheme or a to-be-selected custom scoring scheme from at least one of the fixed scoring schemes or the custom scoring schemes; and importing the variable scheme name and the score rule of the to-be-selected fixed score scheme or the score rule of the to-be-selected user-defined score scheme into the second blank score scheme to obtain the variable score scheme.

Optionally, the scoring rule includes: qualitative index rules and/or quantitative index rules;

Optionally, when each evaluation index corresponds to a second score weight, and each index score is a sum of element scores of at least one evaluation element included in the corresponding evaluation index, the trust ability value determining unit 740 is configured to: determining a scheme score of the target evaluation scheme according to each index score and the second score weight; and determining the credit granting capacity value of the object to be determined according to the scheme score.

The credit granting capacity determining device provided by the embodiment of the invention can execute the credit granting capacity determining method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the executing method.

EXAMPLE six

FIG. 9 illustrates a schematic diagram of an electronic device 10 that may be used to implement embodiments of the present invention. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smart phones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.

As shown in fig. 9, the electronic device 10 includes at least one processor 11, and a memory communicatively connected to the at least one processor 11, such as a Read Only Memory (ROM)12, a Random Access Memory (RAM)13, and the like, wherein the memory stores a computer program executable by the at least one processor, and the processor 11 can perform various suitable actions and processes according to the computer program stored in the Read Only Memory (ROM)12 or the computer program loaded from a storage unit 18 into the Random Access Memory (RAM) 13. In the RAM 13, various programs and data necessary for the operation of the electronic apparatus 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.

A number of components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, or the like; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network such as the internet and/or various telecommunication networks.

The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, a Digital Signal Processor (DSP), and any suitable processor, controller, microcontroller, or the like. The processor 11 performs the various methods and processes described above, such as a credit worthiness determination method.

In some embodiments, a method of trust determination may be implemented as a computer program tangibly embodied on a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM 12 and/or the communication unit 19. When loaded into RAM 13 and executed by processor 11, may perform one or more of the steps of a method for determining trust capabilities described above. Alternatively, in other embodiments, the processor 11 may be configured to perform the method, the trust capability determination method, in any other suitable manner (e.g., by means of firmware).

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuitry, Field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), system on a chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

A computer program for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be performed. A computer program can execute entirely on a machine, partly on a machine, as a stand-alone software package partly on a machine and partly on a remote machine or entirely on a remote machine or server.

In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. A computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user may provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), blockchain networks, and the internet.

The computing system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical host and VPS service are overcome.

EXAMPLE seven

The embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method for determining the trust capability provided in any embodiment of the present application is implemented.

Computer program product in implementing the computer program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the latter scenario, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present invention may be executed in parallel, sequentially, or in different orders, and are not limited herein as long as the desired results of the technical solution of the present invention can be achieved.

The above-described embodiments should not be construed as limiting the scope of the invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for determining a credit granting capability, comprising:

2. The method of claim 1, wherein each of the evaluation elements corresponds to at least one business item, and each of the evaluation elements comprises a score scheme and a first score weight of each business item corresponding to the evaluation element;

3. The method of claim 2, wherein the scoring schema comprises: a fixed scoring schema;

accordingly, each of the fixed scoring schemes is set by:

determining at least one retrieval tag according to the business item corresponding to the current fixed score scheme;

4. The method of claim 3, wherein the scoring schema comprises: customizing a scoring scheme;

correspondingly, each customized scoring scheme is set as follows:

creating a first blank custom scoring schema;

defining a custom scoring rule for the current custom scoring schema;

5. The method of claim 4, wherein each custom scoring schema comprises at least one search tag, the search tag being generated from a custom schema name of the custom scoring schema; the scoring schema, comprising: a variant scoring schema;

accordingly, each of the variable scoring schema is set by:

creating a second white space variable scoring schema;

determining at least one retrieval tag according to the variable scheme name;

6. The method of claim 2, wherein the scoring rules comprise: a qualitative index rule and/or a quantitative index rule;

7. The method according to claim 1, wherein each evaluation index corresponds to a second score weight, each of the index scores being a sum of component scores of at least one evaluation element included in its corresponding evaluation index;

8. An apparatus for determining a trust capability, the apparatus comprising:

an index score determining unit configured to determine an index score of each of the evaluation indexes based on each of the element scores;

9. An electronic device, characterized in that the electronic device comprises:

at least one processor; and

a memory communicatively coupled to the at least one processor; wherein,

the memory stores a computer program executable by the at least one processor, the computer program being executable by the at least one processor to enable the at least one processor to perform a method of credit determination as claimed in any one of claims 1 to 7.

10. A computer-readable storage medium storing computer instructions for causing a processor to implement a method for determining trust capability according to any one of claims 1 to 7.

11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out a method of trust determination according to any one of claims 1-7.