CN114677205A - Enterprise financing wind control system based on block chain and cloud computing - Google Patents
Enterprise financing wind control system based on block chain and cloud computing Download PDFInfo
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Abstract
The invention discloses an enterprise financing wind control system based on a block chain and cloud computing, which comprises an enterprise data analysis module, an enterprise development risk determination module and an enterprise financing safety guarantee module; the enterprise data analysis module is used for analyzing the credit value of the enterprise and analyzing whether the credit condition of the enterprise is counterfeit or not according to the credit value condition of the enterprise; the enterprise development risk determining module is used for analyzing the development condition of the enterprise according to the indexes, judging the development dynamic state of the enterprise and carrying out comprehensive evaluation, analyzing the development dynamic data, judging whether the development condition of the enterprise is similar to the enterprise development condition glide in the historical data or not, and monitoring and early warning the development dynamic data; the enterprise financing security guarantee module is used for storing data and transaction conditions of financing to be required to block link points when the enterprise is determined to be financing, so that the data openness of the enterprise when financing is guaranteed, and the enterprise cannot be tampered privately.
Description
Technical Field
The invention relates to the technical field of enterprise financing, in particular to an enterprise financing wind control system based on a block chain and cloud computing.
Background
Enterprise financing refers to financing according to the conditions of enterprises, so that fund buffering can be achieved among internal links of the enterprises, and financial institutions divide enterprise financing into two types, namely short-term financing and long-term financing, but the lowest risk is used for enterprise release, so that the maximum income process is obtained; the block chain is used for storing data through a chain data structure, generating and updating the data through a distributed node method, so that the safety of the whole data storage process is ensured, and effective records and transactions of two parties can be obtained from a distributed account book by using a block chain technology; the cloud computing refers to a process of performing hybrid computing in computing modes such as distributed computing and the like, so that the solution process can be more efficient; in the current enterprise financing process, a financial institution firstly needs to investigate an enterprise and analyze the development process, the earning benefit and the like of the enterprise in the process of financing the enterprise, but the development process of the enterprise is often uncontrollable, the enterprise can be suddenly changed under the condition of better development, the development condition of the enterprise is linearly reduced due to the decision error of an enterprise leader, the development of the enterprise is uncontrollable, so the development process of the enterprise is very important for financing, and the dangerous behavior characteristics of the enterprise need to be determined in time; when a financial institution determines to perform financing with an enterprise, the enterprise cannot determine whether the financial institution privately modifies the regulations due to the fact that no third party certificate exists, or the enterprise does not remit interest to the financial institution under normal conditions, so that cooperation between the two parties fails, corresponding transaction data is not given to the third party for storage, and the two parties are mutually untrusted.
Disclosure of Invention
The invention aims to provide an enterprise financing wind control system based on a block chain and cloud computing, so as to solve the problems in the background technology.
In order to solve the technical problems, the invention provides the following technical scheme: an enterprise financing wind control system based on a block chain and cloud computing comprises an enterprise data analysis module, an enterprise development risk determination module and an enterprise financing safety guarantee module; the enterprise data analysis module is used for analyzing the credit value of the enterprise and analyzing whether the credit condition of the enterprise is falsified or not according to the credit value condition of the enterprise, so that whether the data of the enterprise is falsified or not is analyzed, and the authenticity of the enterprise data of the opposite side in financing is ensured; the enterprise development risk determining module is used for analyzing the development condition of the enterprise according to the indexes, judging the development dynamic state of the enterprise and carrying out comprehensive evaluation, analyzing the development dynamic data, judging whether the development condition of the enterprise is similar to the enterprise development condition glide in the historical data or not, monitoring and early warning the development dynamic data, and prompting whether the investment needs to be carried out on the enterprise or not; the enterprise financing security guarantee module is used for storing data and transaction conditions of financing to be required to the block chain node when the enterprise is determined to be financing, so that the data openness of the enterprise when financing is guaranteed, and the enterprise cannot be tampered privately.
Furthermore, the enterprise data analysis module comprises an enterprise credit inquiry data unit, an enterprise credit score inquiry unit, an enterprise credit score analysis unit and a credit node uploading and storing unit; the enterprise credit inquiry data unit is used for analyzing the frequency of the enterprise credit value inquired, judging whether the frequency of the enterprise credit value inquiry is greater than the standard frequency or not, and analyzing whether the enterprise develops the poor condition or not and needs to wait for a financial institution to carry out financing; the enterprise credit score inquiry unit is used for verifying and inquiring the credit value of the enterprise so as to judge whether financing is carried out or not according to the credit value of the enterprise; the enterprise credit value analysis unit is used for analyzing the development condition of the enterprise according to the expansion condition of the credit value of the enterprise and the previous credit value of the enterprise to analyze whether the credit value of the enterprise is fake or not; thereby ensuring the true and false state of the enterprise credit value; the credit node uploading and storing unit is used for uploading the credit value of the enterprise to the block chain node for storing when detecting that the credit value of the enterprise is normal, so as to prevent the credit value of the enterprise from being tampered privately, thereby ensuring the security of the credit value.
Furthermore, the enterprise development risk determining module comprises an enterprise development index judging unit, an enterprise development index weight determining unit, an enterprise development comprehensive evaluation determining unit, an enterprise development curve displaying unit and an enterprise development risk analyzing unit; the enterprise development index judging unit is used for analyzing the market share of the enterprise in the same enterprise, the increase and decrease conditions of personnel in the enterprise and the income index of the enterprise to jointly judge the development condition of the enterprise; the enterprise development index weight determining unit is used for taking the development condition of the enterprise as the weight for analyzing the development condition of the enterprise and distributing the weight value to the index, so that the development condition of the enterprise can be analyzed; the enterprise development comprehensive evaluation determining unit is used for evaluating the enterprise development conditions through the weight values and analyzing the enterprise development conditions; the enterprise development curve display unit is used for analyzing the development conditions of enterprises in each month and forming corresponding curve conditions to display the curve conditions to the financial institution so that the financial institution can know the development states of the enterprises conveniently; the enterprise development risk analysis unit is used for setting a coordinate axis, judging whether an enterprise development curve graph comprises a section similar to the descending of the development process in the historical data curve graph or not, and giving an early warning when a section with a similar curve area is detected, so that a financial institution is prompted to carefully fund the enterprise.
Furthermore, the enterprise financing security guarantee module comprises a shared node setting unit, an information record storage and updating unit, an enterprise transaction information determining unit and an enterprise investment repayment node setting unit; the node setting unit is used for setting a plurality of block chain nodes in the enterprise and the financial institution when detecting that the credit value and the development condition of the enterprise meet the conditions of the financial institution, so that the financial institution and the enterprise can pay attention to the information; the information record saving and updating unit is used for ensuring that any party can receive the latest information when any party updates the information in the block chain node, so that the information can be disclosed; the enterprise transaction information determining unit is used for storing information in the transaction process of a financial institution or an enterprise, and storing information required by any one step in the contract signing of both parties in a block chain node, so that the information can be disclosed; the enterprise investment repayment node setting unit is used for storing repayment nodes in the block chain for verification by setting the repayment nodes, and guaranteeing normal operation of funds.
Further, when the enterprise data analysis module detects that the frequency of credit values of enterprise query is lower than the preset frequency, the credit values of the enterprises in the historical month of the enterprise are obtained, and when the difference value between the credit values of the enterprises in the current month and the credit values of the enterprises in the previous month is larger than a first preset value, the credit value conditions of the enterprises are analyzed, wherein the analysis steps are as follows:
s01: calling data influencing the adjustment of the enterprise credit value, analyzing whether data related to the enterprise credit value data changes or tends to be stable, and when the data changes, indicating that the credit value of the enterprise is not tampered; when it is detected that the data tends to a steady state, jumping to step S02;
s02: if the credit value of the enterprise is detected to be higher than the first preset value, the credit value of the enterprise is changed, and when the credit value is detected to be changed due to updating errors, the credit value of the enterprise in the month is changed; detecting that the credit value of the enterprise is privately changed, and jumping to the step S03 when the change of the data is detected;
s03: checking the credit values of the enterprises by a plurality of financial institutions for reevaluation, and comparing the results; when the difference between the detection result and the credit value of the enterprise is detected to be larger than a second preset value, the credit value of the enterprise is privately changed; the second preset value is the difference value of credit values of a plurality of standard organizations researching enterprises, and the first preset value is the increase speed of the credit value of the enterprise in the month exceeding the standard credit value compared with the credit value of the enterprise in the previous month.
The enterprise development risk determining module normalizes each index and processes the indexes through the following formula:
wherein q isabMeans that the index of month a accounts for the proportion, x, of all the valuesabRefers to the value of the b index in the a th month;
judging the entropy value of the index, wherein the judgment formula is as follows:
wherein, wbRepresenting the entropy value of the b index, i refers to the set month number, and j refers to the total index number;
judging the weight value of the index, wherein the formula is as follows:
wherein k isbA weight representing the b-th index;
and comprehensively evaluating the enterprises according to the weight, and using the following formula:
wherein, P refers to each comprehensive development index of the enterprise in the month a; k is a radical ofbRefers to the weight of the b-th index,
refers to the total number of business developments per month.
Setting a curve function of a coordinate axis and development conditions of different months of an enterprise, and judging an area set D = { D } generated between vertexes of different months and an abscissa on the curve function1,d2,d3...dmWhen judged out
When the similarity of the ratio of the historical area to the historical area is higher and the development condition of the enterprise corresponding to the historical area is reduced, the current enterprise is in a reduction state; when a plurality of successive ones are detected
、
When the enterprise development condition is decreased, the risk of the current enterprise is high, and early warning needs to be given to the financial institution in time so as to carefully financing the enterprise, d1Is the first area formed by the curve function and the abscissa, dmRefers to the mth area formed by the curve function and the abscissa,
、
and
refers to the kth area, k +1 area and k +2 area formed by the curve function and the abscissa, and k +2>k+1；
The area calculation formula generated between the corresponding months and the abscissa is as follows:
setting the currently formed comprehensive evaluation index function as follows:
wherein, atRefers to the first end point coordinate, a, of the area formed on the abscissahThe coordinate of the latter end point of the area formed on the abscissa, S is the area formed by the curve and the abscissa,
(x) Refers to the overall developmental function of the enterprise, and x refers to the abscissa.
The historical area is specifically an area formed on the abscissa by a curve function corresponding to the development condition of a company in the same industry, the company in the same industry refers to a company with the company, and the financial institution does not perform financing on the company in the same industry.
Compared with the prior art, the invention has the following beneficial effects:
1. the method comprises the steps that an enterprise data analysis module is used for analyzing the credit value condition of an enterprise and judging the frequency of inquiring the credit value of the enterprise in an investment month, so that the current state of the enterprise can be analyzed, and whether the current financial institution can invest or not is analyzed; meanwhile, the reason that the credit of the enterprise changes greatly compared with the previous month is analyzed, so that whether the credit change of the enterprise is caused by private counterfeiting or not is analyzed, and the financial institution carries out careful financing on the private change of the credit of the enterprise;
2. the enterprise development risk determining module is used for determining an enterprise development comprehensive evaluation function curve according to different index conditions, and analyzing and calculating the area between different end points of the function curve and the abscissa, so that whether the development condition of an enterprise is normal or not and whether the condition similar to the descending process of the development function curve of the same-row enterprise exists or not can be analyzed, and the safety of financing from a financial institution to the enterprise is ensured; by using the enterprise financing security guarantee module, information such as time, transaction amount and the like in the transaction process of the financial institution and the enterprise is made transparent by setting the block chain link points, so that the whole transaction process can be made transparent, risks in private transactions are avoided, and the trust degree between the financial institution and the enterprise is increased.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
FIG. 1 is a schematic diagram of the steps of an enterprise financing wind control system based on block chains and cloud computing according to the present invention;
fig. 2 is a schematic curve area diagram of an enterprise financing wind control system based on a block chain and cloud computing.
Detailed Description
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.
Referring to fig. 1-2, the present invention provides a technical solution:
an enterprise financing wind control system based on a block chain and cloud computing comprises an enterprise data analysis module, an enterprise development risk determination module and an enterprise financing safety guarantee module; the enterprise data analysis module is used for analyzing the credit value of the enterprise and analyzing whether the credit condition of the enterprise is falsified or not according to the credit value condition of the enterprise, so that whether the data of the enterprise is falsified or not is analyzed, and the authenticity of the enterprise data of the opposite side in financing is ensured; the enterprise development risk determining module is used for analyzing the development condition of the enterprise according to the indexes, judging the development dynamic state of the enterprise and carrying out comprehensive evaluation, analyzing the development dynamic data, judging whether the development condition of the enterprise is similar to the enterprise development condition glide in the historical data or not, monitoring and early warning the development dynamic data, and prompting whether the investment needs to be carried out on the enterprise or not; the enterprise financing security guarantee module is used for storing data and transaction conditions of financing to be required to the block chain node when the enterprise is determined to be financing, so that the data openness of the enterprise when financing is guaranteed, and the enterprise cannot be tampered privately.
Furthermore, the enterprise data analysis module comprises an enterprise credit inquiry data unit, an enterprise credit score inquiry unit, an enterprise credit score analysis unit and a credit node uploading and storing unit; the enterprise credit inquiry data unit is used for analyzing the frequency of inquiring the credit value of the enterprise, judging whether the frequency of inquiring the credit value of the enterprise is greater than the standard frequency or not, and analyzing whether the enterprise develops the poor condition or not and needs to wait for financing of a financial institution; the enterprise credit score inquiry unit is used for verifying and inquiring the credit value of the enterprise so as to judge whether financing is carried out or not according to the credit value of the enterprise; the enterprise credit value analysis unit is used for analyzing the development condition of the enterprise according to the expansion condition of the credit value of the enterprise and the previous credit value of the enterprise to analyze whether the credit value of the enterprise is fake or not; thereby ensuring the true and false state of the enterprise credit value; the credit node uploading and storing unit is used for uploading the credit value of the enterprise to the block chain node for storing when detecting that the credit value of the enterprise is normal, so as to prevent the credit value of the enterprise from being tampered privately, thereby ensuring the security of the credit value.
Furthermore, the enterprise development risk determining module comprises an enterprise development index judging unit, an enterprise development index weight determining unit, an enterprise development comprehensive evaluation determining unit, an enterprise development curve displaying unit and an enterprise development risk analyzing unit; the enterprise development index judging unit is used for analyzing the market share of the enterprise in the same-row enterprise, the increase and decrease conditions of personnel in the enterprise and the income index of the enterprise to jointly judge the development condition of the enterprise; the enterprise development index weight determining unit is used for taking the development condition of the enterprise as the weight for analyzing the development condition of the enterprise and distributing the weight value to the index, so that the development condition of the enterprise can be analyzed; the enterprise development comprehensive evaluation determining unit is used for evaluating the enterprise development conditions through the weight values and analyzing the enterprise development conditions; the enterprise development curve display unit is used for analyzing the development conditions of enterprises in each month and forming corresponding curve conditions to display the curve conditions to the financial institution so that the financial institution can know the development states of the enterprises conveniently; the enterprise development risk analysis unit is used for setting a coordinate axis, judging whether an enterprise development curve graph comprises a section similar to the descending of the development process in the historical data curve graph or not, and giving an early warning when a section with a similar curve area is detected, so that a financial institution is prompted to carefully fund the enterprise.
Furthermore, the enterprise financing security guarantee module comprises a shared node setting unit, an information record storage and updating unit, an enterprise transaction information determining unit and an enterprise investment repayment node setting unit; the node setting unit is used for setting a plurality of block chain nodes in the enterprise and the financial institution when detecting that the credit value and the development condition of the enterprise meet the conditions of the financial institution, so that the financial institution and the enterprise can pay attention to the information; the information record saving and updating unit is used for ensuring that any party can receive the latest information when any party updates the information in the block chain node, so that the information can be disclosed; the enterprise transaction information determining unit is used for storing information in the transaction process of a financial institution or an enterprise, and storing information required by any one step in the contract signing of both parties in a block chain node, so that the information can be disclosed; the enterprise investment repayment node setting unit is used for storing repayment nodes in the block chain for verification by setting the repayment nodes so as to ensure the normal operation of funds; the enterprise can be prompted to normally pay within the specified time through the payment node, so that the normal operation of the transaction of both parties can be ensured; the set repayment node is set according to the repayment date of a contract signed by the enterprise and the financial institution, so that the enterprise is prevented from forgetting to repay the financial institution, and meanwhile, when the repayment date between the financial institution and the enterprise exceeds a preset time limit, the repayment interest is calculated in a fixed time limit, so that the enterprise is reminded to repay in the fixed time limit every month.
Further, when the enterprise data analysis module detects that the frequency of credit values of enterprise query is lower than the preset frequency, the credit values of the enterprises in the historical month of the enterprise are obtained, and when the difference value between the credit values of the enterprises in the current month and the credit values of the enterprises in the previous month is larger than a first preset value, the credit value conditions of the enterprises are analyzed, wherein the analysis steps are as follows:
s01: calling data influencing the adjustment of the enterprise credit value, analyzing whether data related to the enterprise credit value data changes or tends to be stable, and when the data changes, indicating that the credit value of the enterprise is not tampered; when it is detected that the data tends to a steady state, jumping to step S02;
s02: if the credit value of the enterprise is detected to be higher than the first preset value, the credit value of the enterprise is changed, and when the credit value is detected to be changed due to updating errors, the credit value of the enterprise in the month is changed; detecting that the credit value of the enterprise is privately changed, and jumping to the step S03 when the change of the data is detected;
s03: checking the credit values of the enterprises by a plurality of financial institutions for reevaluation, and comparing the results; when the difference between the detection result and the credit value of the enterprise is detected to be larger than a second preset value, the credit value of the enterprise is privately changed; the second preset value is the difference value of credit values of a plurality of standard organizations researching enterprises, and the first preset value is the increase speed of the credit value of the enterprise in the month exceeding the standard credit value compared with the credit value of the enterprise in the previous month.
The enterprise development risk determining module normalizes each index and processes the indexes through the following formula:
wherein the content of the first and second substances,
means that the index of month a accounts for the weight of all values,
refers to the value of the b index in the a th month;
the purpose of normalizing the indexes is to judge the proportion of each index in all indexes of the month and analyze the importance degree of different indexes;
judging the entropy value of the index, wherein the judgment formula is as follows:
wherein the content of the first and second substances,
representing the entropy value of the b index, i refers to the set month number, and j refers to the total index number;
judging the weight value of the index, wherein the formula is as follows:
wherein k isbA weight representing the b-th index;
and comprehensively evaluating the enterprises according to the weight, and using the following formula:
wherein, P refers to each comprehensive development index of the enterprise in the month a;
refers to the weight of the b-th index,
refers to the total number of developments per month of the enterprise; in the process, the weight state of the index is judged by using an entropy method, and the index is weighted by using the method and using the difference variability among index data.
Setting a curve function of a coordinate axis and development conditions of different months of an enterprise, and judging an area set D = { D } generated between vertexes of different months and an abscissa on the curve function1,d2,d3...
When judged out
When the similarity of the ratio of the historical area to the historical area is higher and the development condition of the enterprise corresponding to the historical area is reduced, the current enterprise is in a reduction state; when a plurality of successive ones are detected
、
When the enterprise development condition is decreased, the risk of the current enterprise is high, and early warning needs to be given to the financial institution in time so as to carefully financing the enterprise, d1Refers to the first area formed by the curve function and the abscissa,
refers to the mth area formed by the curve function and the abscissa,
、
and
refers to the kth area, k +1 area and k +2 area formed by the curve function and the abscissa, and k +2>k+1；
The area calculation formula generated between the corresponding months and the abscissa is as follows:
setting the currently formed comprehensive evaluation index function as follows:
wherein, atRefers to the first end point coordinate, a, of the area formed on the abscissahThe coordinate of the latter end point of the area formed on the abscissa, S is the area formed by the curve and the abscissa,
(x) Refers to the overall development function of the enterprise, and x refers to the abscissa;
because the calculated development function is a curve, a formula for calculating the area of the function is used for judging the similarity degree of the function curves, and meanwhile, the bending degree of each curve can be calculated to judge that the historical area formed by the previous endpoint and the next endpoint is specifically the bending degree of the curve for analysis.
The historical area is specifically an area formed on an abscissa by a curve function corresponding to the development condition of a company in the same industry, the company in the same industry refers to a company with the company, and the financial institution does not perform financing on the company in the same industry; the enterprise refers to an enterprise A, the same-industry enterprise refers to an enterprise B, the same-line enterprise refers to an enterprise B which is the same-line with the enterprise A, and the same-line enterprise refers to an enterprise B which is the same-line with the enterprise A.
In particular, the enterprise invests the same business as the enterprise and the development process of the same business is in a falling state, and the analysis of the same business is needed, for example, the analysis of the enterprises in different industries is not comprehensive.
Example (b): the known development curve function is
=4x2+68x +10, according to the analysis of the relationship between the abscissa and the abscissa, knowing that the number of months corresponding to the curve is 4, and the coordinates corresponding to three months in the curve respectively indicate {2, 5,10, 15 };
according to the formula, the method comprises the following steps of,
；
the first curve area is
It is found that the second curve area is
The third curve area is
The ratio of the first curve area to the second curve area is 0.25, the ratio of the second curve area to the third curve area is 0.47, the ratio of the historical data to the industry development curve area is detected to be 0.285 to 0.1, the ratio of the historical data to the industry development curve area is detected to be 0.285 to 0.25, the ratio of the historical data to the industry development curve area is detected to be similar, but the ratio of the historical data to the industry development curve area is not similar to 0.1 and is far away from the industry development curve area, therefore, an enterprise does not generate a state of reduced development condition, and the enterprise can perform financing.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that changes may be made in the embodiments and/or equivalents thereof without departing from the spirit and scope of the invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. The utility model provides an enterprise financing wind control system based on block chain and cloud are calculated which characterized in that: the system comprises an enterprise data analysis module, an enterprise development risk determination module and an enterprise financing security guarantee module; the enterprise data analysis module is used for analyzing the credit value of the enterprise and analyzing whether the credit condition of the enterprise is counterfeit or not according to the credit value condition of the enterprise; the enterprise development risk determining module is used for analyzing the development condition of the enterprise according to the indexes, judging the development dynamic state of the enterprise and carrying out comprehensive evaluation, analyzing the development dynamic data, judging whether the development condition of the enterprise is similar to the enterprise development condition glide in the historical data or not, and monitoring and early warning the development dynamic data; and the enterprise financing safety guarantee module is used for storing data and transaction conditions of financing to be required into the block link points when the enterprise can be determined to be financing.
2. The enterprise financing wind control system based on block chain and cloud computing as claimed in claim 1, characterized in that: the enterprise data analysis module comprises an enterprise credit inquiry data unit, an enterprise credit score inquiry unit, an enterprise credit score analysis unit and a credit node uploading and storing unit; the enterprise credit inquiry data unit is used for analyzing the frequency of inquiring the credit value of the enterprise, judging whether the frequency of inquiring the credit value of the enterprise is greater than the standard frequency or not, and analyzing whether the enterprise develops the poor condition or not and needs to wait for financing of a financial institution; the enterprise credit score inquiry unit is used for verifying and inquiring the credit value of the enterprise; the enterprise credit value analysis unit is used for analyzing the development condition of the enterprise according to the expansion condition of the credit value of the enterprise and the previous credit value of the enterprise to analyze whether the credit value of the enterprise is fake or not; and the credit node uploading and storing unit is used for uploading the credit value of the enterprise to the block chain node for storage when detecting that the credit value of the enterprise is normal.
3. The system of claim 1, wherein the system comprises: the enterprise development risk determining module comprises an enterprise development index judging unit, an enterprise development index weight determining unit, an enterprise development comprehensive evaluation determining unit, an enterprise development curve displaying unit and an enterprise development risk analyzing unit; the enterprise development index judging unit is used for analyzing the market share of the enterprise in the same enterprise, the increase and decrease conditions of personnel in the enterprise and the income index of the enterprise to jointly judge the development condition of the enterprise; the enterprise development index weight determining unit is used for taking the development conditions of the enterprises as weights for analyzing the development conditions of the enterprises and distributing the weights to the indexes; the enterprise development comprehensive evaluation determining unit is used for evaluating the enterprise development conditions through the weight values and analyzing the enterprise development conditions; the enterprise development curve display unit is used for analyzing the development conditions of enterprises in each month and forming corresponding curve conditions to display the curve conditions to a financial institution; the enterprise development risk analysis unit is used for setting a coordinate axis, judging whether an enterprise development curve graph comprises a section similar to the descending of the development process in the historical data curve graph or not, and carrying out early warning when a section with a similar curve area is detected.
4. The system of claim 1, wherein the system comprises: the enterprise financing security guarantee module comprises a sharing node setting unit, an information record storage and updating unit, an enterprise transaction information determining unit and an enterprise investment repayment node setting unit; the node setting unit is used for setting a plurality of block chain nodes in the enterprise and the financial institution when detecting that the credit value and the development condition of the enterprise meet the conditions of the financial institution, so that the financial institution and the enterprise can pay attention to the information; the information record saving and updating unit is used for ensuring that any party can receive the latest information when any party updates the information in the block chain node; the enterprise transaction information determining unit is used for storing information in the transaction process of a financial institution or an enterprise and storing information required by any one step of signing contracts of both parties in the block chain node; the enterprise investment repayment node setting unit is used for storing repayment nodes in the block chain for verification by setting the repayment nodes, and guaranteeing normal operation of funds.
5. The system of claim 1, wherein the system comprises: when the enterprise data analysis module detects that the frequency of credit values of enterprise query is lower than the preset frequency, the credit values of enterprises in the historical month of the enterprise are obtained, and when the difference value between the credit values of the enterprises in the current month and the credit values of the enterprises in the previous month is larger than a first preset value, the credit value conditions of the enterprises are analyzed, wherein the analysis steps are as follows:
s01: calling data influencing the adjustment of the enterprise credit value, analyzing whether data related to the enterprise credit value data changes or tends to be stable, and when the data changes, indicating that the credit value of the enterprise is not tampered; when it is detected that the data tends to a steady state, jumping to step S02;
s02: if the credit value of the enterprise is detected to be higher than the first preset value, the credit value of the enterprise is changed, and when the credit value is detected to be changed due to updating errors, the credit value of the enterprise in the month is changed; detecting that the credit value of the enterprise is privately changed, and jumping to the step S03 when the change of the data is detected;
s03: checking the credit values of the enterprises by a plurality of financial institutions for reevaluation, and comparing the results; when the difference between the detection result and the credit value of the enterprise is detected to be larger than a second preset value, the credit value of the enterprise is privately changed.
6. The system of claim 1, wherein the system comprises: the enterprise development risk determining module normalizes each index and processes the indexes through the following formula:
wherein q isabMeans that the index of month a accounts for the specific gravity, x, of all the valuesabThe index is the value of the b index in the a th month; and (3) judging the entropy value of the index, wherein the judgment formula is as follows:
wherein wbRepresenting the entropy value of the b index, i refers to the set month number, and j refers to the set index number;
judging the weight value of the index, wherein the formula is as follows:
wherein k isbThe weight of the b index is represented, and b refers to the b index;
and comprehensively evaluating the enterprises according to the weight, and using the following formula:
wherein, P refers to each comprehensive development index of enterprises in month a; k is a radical ofbRefers to the weight of the b-th index,
refers to the overall development index of the enterprise.
7. The system of claim 3 or 6, wherein the system comprises: setting a curve function of a coordinate axis and development conditions of different months of an enterprise, and judging an area set D = { D } generated between vertexes of different months and an abscissa on the curve function1,d2,d3...dmWhen judged out
When the similarity of the ratio of the historical area to the historical area is higher and the development condition of the enterprise corresponding to the historical area is reduced, the current enterprise is in a reduction state; when a plurality of consecutive ones are detected
、
When the enterprise development condition is decreased, the risk of the current enterprise is high, and early warning needs to be given to the financial institution in time so as to carefully financing the enterprise, d1Is the first area formed by the curve function and the abscissa, dmRefers to the mth area formed by the curve function and the abscissa,
、
and
refers to the kth area, k +1 area and k +2 area formed by the curve function and the abscissa, and k +2>k+1；
The area calculation formula generated between the corresponding months and the abscissa specifically comprises the following steps:
setting the currently formed comprehensive evaluation index function as follows:
wherein, atRefers to the first end point coordinate, a, of the area formed on the abscissahThe coordinate of the latter end point of the area formed on the abscissa, S is a comprehensive evaluation function formed by the enterprise for several months,
(x) Refers to the overall developmental function of the enterprise, and x refers to the abscissa.
8. The system of claim 7, wherein the system comprises: the historical area is specifically an area formed on the abscissa by a curve function corresponding to the development condition of a company in the same industry, the company in the same industry refers to a company with the company, and the financial institution does not perform financing on the company in the same industry.
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| CN109308665A (en) * | 2018-09-14 | 2019-02-05 | 上海陌远网络科技有限公司 | A kind of e-commerce financial platform based on big data analysis |
| CN110163740A (en) * | 2019-04-10 | 2019-08-23 | 湖南大学 | A kind of credit financing method and device |
| CN110782350A (en) * | 2019-10-29 | 2020-02-11 | 国网区块链科技(北京)有限公司 | Enterprise financing wind control method, device and system based on block chain |
| CN111681111A (en) * | 2020-06-16 | 2020-09-18 | 深圳前海点金保理有限公司 | Credit increase and financing platform system, method and storage medium based on block chain |
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| CN109308665A (en) * | 2018-09-14 | 2019-02-05 | 上海陌远网络科技有限公司 | A kind of e-commerce financial platform based on big data analysis |
| CN110163740A (en) * | 2019-04-10 | 2019-08-23 | 湖南大学 | A kind of credit financing method and device |
| CN110782350A (en) * | 2019-10-29 | 2020-02-11 | 国网区块链科技(北京)有限公司 | Enterprise financing wind control method, device and system based on block chain |
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