CN115018614A - Enterprise credit investigation method and device based on automatic public opinion analysis and early warning - Google Patents
Enterprise credit investigation method and device based on automatic public opinion analysis and early warning Download PDFInfo
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Abstract
The invention provides an enterprise credit investigation method and device based on automatic public sentiment analysis and early warning, wherein the method comprises the following steps: acquiring network public opinion data and enterprise business data, and generating a basic credit investigation report according to the enterprise business data; analyzing the network public opinion data to obtain public opinion analysis result data; and generating a public opinion credit report based on the basic credit report and the public opinion analysis result data. The method and the system take public opinion data as credit investigation data sources, improve the instantaneity of enterprise credit investigation, solve the difficulty of acquiring risk control basic data, and improve the accuracy of enterprise credit investigation through a multi-channel data source.
Description
Technical Field
The invention relates to the technical field of credit investigation, in particular to an enterprise credit investigation method and device based on automatic public sentiment analysis and early warning.
Background
The financial financing of medium and small enterprises is difficult and the financing channel is single, which is a main problem in the production and operation of the medium and small enterprises at present and is also a problem in business banks and other financial institutions for expanding credit business.
In the existing credit investigation method for small and medium-sized enterprises, the credit investigation qualification outside the enterprises is analyzed and predicted only through the historical behaviors of the enterprises depending on the existing structured historical data of some enterprises; meanwhile, the referenced and acquired basic risk calculation data has single source and low feasibility, once the data acquisition dimensionality is higher, the enterprise credit investigation calculation cannot be carried out, the limitation and one-sidedness characteristics of an enterprise credit investigation report are caused, and the timeliness and the accuracy of credit investigation results are extremely low.
Therefore, there is a need for an enterprise credit investigation method and device based on automatic public opinion analysis and early warning to solve the above problems.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides an enterprise credit investigation method and device based on automatic public opinion analysis and early warning.
The invention provides an enterprise credit investigation method based on automatic public sentiment analysis and early warning, which comprises the following steps:
acquiring network public opinion data and enterprise business data, and generating a basic credit investigation report according to the enterprise business data;
analyzing the network public opinion data to obtain public opinion analysis result data;
and generating a public opinion credit report based on the basic credit report and the public opinion analysis result data.
According to the enterprise credit investigation method based on automatic public sentiment analysis and early warning provided by the invention, the basic credit investigation report is generated according to the enterprise service data, and the method comprises the following steps:
constructing a business data source according to the first-line production and management metadata of the enterprise;
and inputting the business data source into an enterprise credit investigation calculation model, and calculating to obtain the basic credit investigation report, wherein the enterprise credit investigation calculation model is constructed by a preset machine learning algorithm.
According to the enterprise credit investigation method based on automatic public sentiment analysis and early warning provided by the invention, a business data source is constructed according to first-line production and management metadata of an enterprise, and the method comprises the following steps:
and constructing a business data source according to the basic business data of the enterprise, the fund flow information, the analysis and evaluation information of the third-party organization and the enterprise financial report information.
According to the enterprise credit investigation method based on automatic public opinion analysis and early warning provided by the invention, a basic credit investigation report is generated according to the business data of the enterprise, and the method further comprises the following steps:
performing data cleaning processing and data conversion processing on the service data source to obtain a processed service data source;
inputting the service data source into an enterprise credit investigation calculation model, and calculating to obtain the basic credit investigation report, wherein the method comprises the following steps:
and inputting the processed service data source into the enterprise credit investigation calculation model to obtain the basic credit investigation report.
According to the enterprise credit investigation method based on automatic public opinion analysis and early warning provided by the invention, the network public opinion data is analyzed to obtain public opinion analysis result data, and the method comprises the following steps of:
analyzing the network public opinion data based on a natural language processing algorithm to obtain a network public opinion information field;
and carrying out category analysis on the network public opinion information fields through a machine learning algorithm to obtain public opinion analysis result data.
According to the enterprise credit investigation method based on automatic public opinion analysis and early warning provided by the invention, the method for generating the public opinion credit investigation report based on the basic credit investigation report and the public opinion analysis result data comprises the following steps:
inputting the basic credit investigation report and the public opinion analysis result data into a public opinion credit investigation model to obtain a public opinion credit investigation report, wherein the public opinion credit investigation model is obtained by machine learning algorithm training;
after the generating of the public opinion credit report based on the base credit report and the public opinion analysis result data, the method further comprises:
acquiring feedback data corresponding to the public opinion credit report;
and inputting the basic credit investigation report, the public opinion analysis result data and the feedback data into the public opinion credit model for parameter optimization to obtain the optimized public opinion credit model.
The invention also provides an enterprise credit investigation device based on automatic public sentiment analysis and early warning, which comprises:
the data acquisition module is used for acquiring network public opinion data and enterprise business data and generating a basic credit investigation report according to the enterprise business data;
the public opinion analysis module is used for analyzing the network public opinion data to obtain public opinion analysis result data;
and the credit investigation report generation module is used for generating a public opinion credit investigation report based on the basic credit investigation report and the public opinion analysis result data.
The invention also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein when the processor executes the program, the enterprise credit investigation method based on automatic public opinion analysis and early warning is realized.
The present invention also provides a non-transitory computer readable storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements the method for enterprise credit investigation based on automatic public opinion analysis and early warning as described in any of the above.
The invention also provides a computer program product, which comprises a computer program, and when the computer program is executed by a processor, the enterprise credit investigation method based on automatic public opinion analysis and early warning is realized.
According to the enterprise credit investigation method and device based on automatic public sentiment analysis and early warning, the public sentiment data is used as the credit investigation data source, the instantaneity of enterprise credit investigation is improved, the problem of acquiring risk control basic data is solved, and the accuracy of enterprise credit investigation is improved through the multi-channel data source.
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In order to more clearly illustrate the technical solutions of the present invention or the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are 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 schematic flow chart illustrating an enterprise credit investigation method based on automatic public opinion analysis and early warning according to the present invention;
FIG. 2 is a schematic overall flow chart of an enterprise credit investigation calculation process provided by the present invention;
fig. 3 is a schematic structural diagram of an enterprise credit investigation device based on automatic public opinion analysis and early warning according to the present invention;
fig. 4 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In the existing enterprise credit investigation technology, the change of an enterprise is dull, and quasi-real-time credit investigation operation cannot be performed, in the traditional small and medium enterprise credit investigation method, the credit investigation qualification outside the enterprise is analyzed and predicted only through the historical behavior of the enterprise for the existing structured historical data of some enterprises, which causes the timeliness of the credit investigation result to be extremely low. Meanwhile, the basic data has a single source and lacks of real accuracy. In the traditional small and medium-sized enterprise credit investigation method, the referenced and acquired basic risk calculation data has single source and low feasibility, once the data acquisition dimensionality is higher, the enterprise credit investigation model cannot be calculated, and the limitation and one-sidedness characteristics of an enterprise credit investigation report are caused. And according to the rules established manually, the input items are repeatedly calculated to obtain the final result, thereby causing uncontrollable artificial risks of various credit investigation reports and finally causing invalid credit investigation results.
In addition, in the conventional credit investigation method, the same extraction mode is adopted for extracting all data, and the targeted data extraction is not performed on different types of data. In addition, in the current risk prevention and control scheme, feedback opinions and suggestions of credit report used by enterprises are not taken into consideration, and the corresponding scheme can be obtained at once according to established rules, so that the credit calculation accuracy is gradually reduced.
Aiming at the defects of lack of a perfect and accurate credit investigation mechanism, incapability of acquiring accurate credit investigation basic data and carrying out real-time control on enterprise qualification, the quantitative analysis and prediction on the risk and credit investigation qualification of the medium and small enterprises can not be realized, so that each financial institution can take the medium and small enterprises as enterprises with higher risk level to develop financial services in a very conservative way.
The basic data acquisition, the data effectiveness, the data accuracy, the timeliness, the data source diversification, the lack of effective quantitative analysis means and the low breadth and depth of credit investigation models are all the prior factors for generating the current credit investigation difficulty of small and medium-sized enterprises, so that the existing risk assessment, prevention and control and credit investigation qualification identification of the enterprises have defects.
Public opinion monitoring refers to integration of an internet information acquisition technology and an information intelligent processing technology, information requirements of a user on network public opinion monitoring, news topic tracking and the like are met by automatically capturing mass internet information, automatically classifying and clustering, theme detecting and topic focusing, analysis results such as briefings, reports and charts are formed, and analysis basis is provided for the client to comprehensively master thought dynamics, make correct public opinion guidance and provide analysis basis. The network public sentiment is the mapping of the social public sentiment in the internet space and is the direct reflection of the social public sentiment. The network public opinion reflects the total of the expression of beliefs, attitudes, opinions, emotions and the like expressed by various phenomena and problems in the society, greatly reflects the judgment of the public on the near condition of an enterprise, and can play a decisive role in the production and management of the enterprise and the credit investigation and qualification of the enterprise. The method brings public opinion analysis and early warning into an enterprise credit investigation system, and can greatly improve the real-time performance and accuracy of credit investigation reports; meanwhile, public opinion data is brought into the enterprise production and management and financial business data as a basis, and the key problems of credit investigation loss and inaccurate credit investigation report of the current small and medium enterprises can be fundamentally solved.
Fig. 1 is a schematic flow chart of an enterprise credit investigation method based on automatic public opinion analysis and early warning provided by the present invention, as shown in fig. 1, the present invention provides an enterprise credit investigation method based on automatic public opinion analysis and early warning, comprising:
and 103, generating a public opinion credit report based on the basic credit report and the public opinion analysis result data.
In the invention, based on the development of financial services of financial institutions, various types of enterprise credit investigation basic data are obtained, and data which can be used for enterprise credit investigation calculation are cleaned and extracted through different data extraction rules to generate a basic credit investigation report.
Furthermore, the invention synchronously uses the web crawler data acquisition technology to acquire the target enterprise network public opinion information and grasp the latest information of the enterprise in time. The invention provides two types of reports, namely a basic credit investigation report and a public opinion analysis report, so that different credit investigation reports can be applied to corresponding application scenes to the maximum extent.
Finally, in step 103, the public opinion calculation result and the basic credit report are used as input data of the public opinion credit model, so as to obtain the public opinion credit report. Preferably, in the invention, feedback information of the public opinion credit report can be used as input of the model, and the model is subjected to iterative optimization, so that the feedback information is brought into machine learning, and the accuracy and pertinence of credit investigation calculation of enterprises are improved. Meanwhile, the public opinion calculation result, the basic credit investigation report and the feedback information are input into the public opinion credit investigation model again, the enterprise behavior is restored and the future behavior trend of the enterprise is predicted by utilizing the enterprise credit investigation calculation method of the optimized combination, and the accuracy, pertinence and most important real-time performance of the risk prevention and control report are improved from multiple aspects of data source, application scene and process calculation.
Fig. 2 is a schematic overall flow chart of an enterprise credit investigation calculation process provided by the present invention, and as shown in fig. 2, the present invention first generates a basic credit investigation report from financial business data and other business data of a first-line production operation of an enterprise through big data processing and machine learning; then, bringing the public opinion analysis of the enterprise into the enterprise credit investigation flow, and bringing the analysis result into the public opinion credit investigation report generation process through the web crawler and the public opinion analysis process; meanwhile, the method has a complementary effect on the collection of feedback opinion data in the use process, improves the accuracy of credit investigation calculation results, and continuously optimizes reports by applying a machine learning algorithm.
In the invention, public opinion data is used as a credit investigation data source, so that the real-time performance of enterprise credit investigation can be improved. Specifically, by the web crawler technology, the online public opinion data of the enterprises are acquired in real time, online public opinions are monitored, collected and researched in time, the situation development is tracked, the online public opinion data are reported to relevant departments in time, the handling is rapidly handled, and the online public opinion data become active and passive, so that the online public opinion data become an important basis for credit investigation decision of small and medium-sized enterprises. The social public opinion reflects the evaluation of the public on the near condition of the enterprise to the maximum extent, and can play a decisive role in the production, operation and credit investigation and qualification of the enterprise, and the network public opinion is the mapping of the social public opinion in the internet space and is the direct reflection of the social public opinion. Due to the characteristics of rapidity and timeliness of the online public opinion data transmission, the first-line data reflecting the current operation condition of the enterprise can be obtained from the online public opinion data, so that the online public opinion data is used as a credit investigation data source, and the credit investigation quality of the enterprise can be mastered in real time.
Further, the enterprise credit investigation requires guidance of basic data, the range and source of data selection determine the efficiency and accuracy of the enterprise credit investigation report, and how to obtain the basic data of the enterprise credit investigation is also a primary problem when the current financial institution carries out the business of small and medium enterprises. In the invention, based on the advantages of mass financial data of financial institutions, including business data such as enterprise basic data, payment settlement data, invoicing and loan data, international settlement of trade service and the like, the use conditions of capital and financial products in enterprise production and operation can be comprehensively known; meanwhile, other types of data such as tax data, purchase and sale invoice data, public payment data and insurance payment data can be acquired from other dimensions, so that the first-line data of enterprise production and operation can be acquired. According to the method, the multi-channel data consisting of the two parts of data are used, and accurate basic credit investigation data are generated through big data analysis model construction (such as the existing machine learning algorithm) and data calculation application, so that the problem of acquiring risk control basic data is solved, and the accuracy of enterprise credit investigation is improved through a multi-channel data source.
Further, a basic credit investigation report generated by the basic data statistics is calculated by using the public opinion analysis data and the basic credit investigation report as the input of a secondary calculation model (such as a public opinion investigation model obtained by training through a machine learning algorithm) of the credit investigation report, so as to obtain the public opinion investigation report. The public opinion credit report is provided for other financial institutions or enterprises to be used as a reference basis for cooperation with corresponding small and medium-sized enterprises; meanwhile, the opinions and suggestions in use are fed back to the credit investigation report secondary calculation model in a feedback mechanism mode and are used as input for calculating credit investigation data again and generating reports. In the invention, the feedback mechanism can comprehensively consider the problems in the use process of the terminal user from the practical use angle of the user, thereby improving the applicability of the credit investigation report.
In addition, in the traditional enterprise credit investigation, the enterprise credit investigation is mainly carried out in a manual judgment mode. Due to artificial subjective definition, data referenced in evaluation can only be limited in a few dimensions, and after the rules are formed, the data are determined in a standard form, and slight changes of future business modes can cause the rules to be inapplicable. In the invention, an enterprise credit investigation system based on machine learning and big data analysis is constructed, the production and management of the enterprise and the daily management rules and modes are explored from mass data through the historical business data and other related production and management information of the enterprise, so that the scale and the range of the data are increased, the credit investigation qualification condition of the enterprise is analyzed from a more comprehensive angle, and more information data related to enterprise credit investigation can be found out besides more accurate judgment than the original manual or rule judgment. In addition, the method is based on a deep machine learning algorithm, so that the formed enterprise credit investigation mechanism has self-learning and self-improvement performance, and the original design can play a role in a business mode changing in the future. In addition, a personalized customization mechanism is added in the construction of the algorithm model, the use range of the algorithm model is widened, and the accuracy of the predicted future enterprise behavior and performance capability is ensured.
The invention provides an enterprise credit investigation method based on automatic public opinion analysis and early warning, which uses public opinion data as a credit investigation data source to improve the real-time performance of enterprise credit investigation and solve the problem of acquiring risk control basic data, and a multi-channel data source improves the accuracy of enterprise credit investigation and accurately predicts the future behavior and performance capability of the enterprise based on machine learning and big data analysis.
On the basis of the above embodiment, the generating a basic credit report according to the enterprise service data includes:
constructing a business data source according to the first-line production and management metadata of the enterprise;
and inputting the service data source into an enterprise credit investigation calculation model, and calculating to obtain the basic credit investigation report, wherein the enterprise credit investigation calculation model is constructed by a preset machine learning algorithm.
The method for constructing the business data source according to the first-line production and operation metadata of the enterprise comprises the following steps:
and constructing a business data source according to the basic business data of the enterprise, the fund flow information, the analysis and evaluation information of the third-party organization and the enterprise financial report information.
In the invention, the part mainly completes a data acquisition task, extracts business data from a financial institution, comprises business data such as enterprise basic data, payment settlement data, invoicing and loan data, international settlement of trade service and the like, and can comprehensively know the use conditions of capital and financial products in enterprise production and operation; meanwhile, the system is used as a financial institution to acquire tax data, invoice data for sale and purchase, public payment data, insurance payment data and other types of data.
Specifically, first-line production operation metadata of small and medium-sized enterprises are obtained, and business data sources are constructed, wherein the business data sources comprise basic business data such as contracts, orders, sales lists, acquisition orders, receivable accounts, payable accounts, invoices and product logistics, and fund flow information such as enterprise cash register acceptance and discount, merchant ticket acceptance and discount, liquidity loans and fund turnover details; meanwhile, tax information, public service payment information and enterprise registration change information of the enterprise are obtained. In the invention, the fund change and the analysis evaluation of the medium and small enterprises can be acquired through a third-party organization, and the financial and financial information about the enterprises published on various websites is also included.
On the basis of the above embodiment, the generating a basic credit report according to the enterprise service data further includes:
performing data cleaning processing and data conversion processing on the service data source to obtain a processed service data source;
inputting the service data source into an enterprise credit investigation calculation model, and calculating to obtain the basic credit investigation report, wherein the method comprises the following steps:
and inputting the processed service data source into the enterprise credit investigation calculation model to obtain the basic credit investigation report.
In the invention, data preprocessing needs to be performed on the obtained enterprise basic credit investigation data, specifically, data preprocessing is performed in an Extract Transform Load (ETL) manner, so as to integrate scattered, disordered and standard non-uniform source data related to the enterprise together and provide an analysis basis for an enterprise credit investigation computing model. The invention performs three processes of data extraction, conversion and loading aiming at data provided by a plurality of types of data sources. The extraction process comprises homologous data processing, non-homologous data processing, text type data processing and incremental data extraction. It should be noted that homology means that a source database system is consistent with a target type, and incremental data extraction means incremental addition of data changed in each source. In addition, the data conversion operation comprises two operations of data cleaning and data conversion, and the final data loading completes the integration and import of the data. And calculating the output data according to the set basic credit investigation model to obtain a basic credit investigation report.
On the basis of the above embodiment, the analyzing the internet public opinion data to obtain public opinion analysis result data includes:
analyzing the network public opinion data based on a natural language processing algorithm to obtain a network public opinion information field;
and carrying out category analysis on the network public opinion information fields through a machine learning algorithm to obtain public opinion analysis result data.
In the invention, firstly, the network public opinion basic data of the enterprise (for example, the network information of the enterprise is used as the network public opinion data) is obtained through a network crawler technology, and the network public opinion basic data comprises various text information and audio and video information. The method develops the topic web crawler through the Python web crawler to acquire the network information data of the target enterprise, and the network information data comprises various types of public opinion related data such as various types of industry supervision information, industry trend analysis, enterprise operation and production information, enterprise employee evaluation and enterprise major events.
Furthermore, public sentiment analysis is carried out through two parts of Natural Language Processing and public sentiment analysis calculation, wherein a Natural Language Processing algorithm (NLP) is responsible for analyzing information collected by the web crawler into information fields which can be understood by a computer and making a man-machine interaction barrier; the public opinion analysis and calculation is responsible for analyzing and calculating the converted information according to machine learning (clustering and association rule algorithm), judging the category (forward public opinion and reverse public opinion) of the public opinion, calculating the influence degree of the public opinion information on the credit appraisal of the enterprise, and calculating the influence value.
Specifically, the network related information of the target enterprise is acquired as the public opinion data by means of removing manual operation and time-free means through means such as web crawlers. The collected data comprises multi-category public opinion related data such as category industry supervision information, industry trend analysis, enterprise operation and production information, enterprise employee evaluation, enterprise major event processing and the like. Then, for enterprise network information crawled in the process of network crawler, for example, various supervision documents, the steps of Chinese word segmentation, part of speech tagging, syntax analysis and the like are carried out through a natural language processing algorithm, basic data of public opinion analysis and calculation are obtained, and then emotion judgment and influence degree calculation are carried out in the process of public opinion analysis and calculation.
Preferably, in the present invention, a plurality of types of databases are provided to store the collected data, for example, the relational database MySQL provides storage and query of the specification data; the document type database MongoDB provides data storage of document types and audio and video types; the graph database is used for analyzing all the associated entities of the target enterprise associated ecosphere and expanding the breadth and the depth of the credit investigation report model.
The invention uses the web crawler to acquire real-time data such as enterprise network public opinion information in real time, uses an artificial intelligent algorithm and technology to the acquired data after analyzing by using a natural language processing technology NLP, and performs clustering, classification and association rule learning on the acquired public opinion data to analyze the public opinion guidance in the network information in real time. Meanwhile, basic customer data, financial business data, public service payment and other data of small and medium-sized enterprises are used as basic input of credit investigation data, and the completeness of the basic credit investigation data is greatly guaranteed. The invention can ensure the credit investigation data to respond to the change of the production and operation conditions of the enterprise in real time based on the real-time performance of public opinion analysis and early warning, can guide financial institutions or other institutions to change credit granting and business cooperation to the enterprise in time, and can master risk spread in real time.
On the basis of the above embodiment, the generating a public opinion credit report based on the basic credit report and the public opinion analysis result data includes:
inputting the basic credit investigation report and the public opinion analysis result data into a public opinion credit investigation model to obtain a public opinion credit investigation report, wherein the public opinion credit investigation model is obtained by machine learning algorithm training;
after the generating of the public opinion credit report based on the base credit report and the public opinion analysis result data, the method further comprises:
acquiring feedback data corresponding to the public opinion credit report;
and inputting the basic credit investigation report, the public opinion analysis result data and the feedback data into the public opinion credit model for parameter optimization to obtain the optimized public opinion credit model.
According to the public opinion analysis result and the feedback data, after iterative operation is carried out through a machine deep learning algorithm, a public opinion analysis report is obtained. Specifically, basic credit investigation report data, public opinion analysis result data and feedback data in the use of a subsequent credit investigation report are used as input data sources and input into a public opinion credit model for iterative operation. In the invention, a machine learning method is adopted, the use feedback data of the generated credit investigation report can be used as input, the use result of the historical report can be used as the input of a new future round, the machine learning algorithm learns the historical output of the machine learning algorithm, and the accuracy of the report can be greatly improved.
In the invention, the user opinions and suggestions for using the credit investigation report are acquired, and the feedback opinions are used as an input source of a new round of report calculation, so that the credit investigation report can be generated with a self-learning characteristic.
The enterprise credit investigation device based on automatic public opinion analysis and early warning provided by the invention is described below, and the enterprise credit investigation device based on automatic public opinion analysis and early warning described below and the enterprise credit investigation method based on automatic public opinion analysis and early warning described above can be referred to correspondingly.
Fig. 3 is a schematic structural diagram of an enterprise credit investigation apparatus based on automatic public opinion analysis and early warning according to the present invention, as shown in fig. 3, the present invention provides an enterprise credit investigation apparatus based on automatic public opinion analysis and early warning, comprising: the system comprises a data acquisition module 301, a public opinion analysis module 302 and a credit investigation report generation module 303, wherein the data acquisition module 301 is used for acquiring network public opinion data and enterprise business data and generating a basic credit investigation report according to the enterprise business data; the public opinion analyzing module 302 is used for analyzing the network public opinion data to obtain public opinion analysis result data; the credit investigation report generation module 303 is configured to generate a public opinion credit report based on the basic credit investigation report and the public opinion analysis result data.
The invention provides an enterprise credit investigation device based on automatic public opinion analysis and early warning, which uses public opinion data as a credit investigation data source to improve the real-time performance of enterprise credit investigation and solve the problem of acquiring risk control basic data, and a multi-channel data source improves the accuracy of enterprise credit investigation and accurately predicts the future behavior and performance of the enterprise based on machine learning and big data analysis.
The apparatus provided by the present invention is used for executing the above method embodiments, and for details and flow, reference is made to the above embodiments, which are not described herein again.
Fig. 4 is a schematic structural diagram of an electronic device provided in the present invention, and as shown in fig. 4, the electronic device may include: a Processor (Processor)401, a communication Interface (communication Interface)402, a Memory (Memory)403 and a communication bus 404, wherein the Processor 401, the communication Interface 402 and the Memory 403 complete communication with each other through the communication bus 404. The processor 401 may invoke logic instructions in the memory 403 to perform a method for enterprise credit assessment based on automated public opinion analysis and forewarning, the method comprising: acquiring network public opinion data and enterprise business data, and generating a basic credit investigation report according to the enterprise business data; analyzing the network public opinion data to obtain public opinion analysis result data; and generating a public opinion credit report based on the basic credit report and the public opinion analysis result data.
In addition, the logic instructions in the memory 403 may be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention or a part thereof which substantially contributes to the prior art may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
In another aspect, the present invention also provides a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium, the computer program including program instructions, when the program instructions are executed by a computer, the computer being capable of executing the method for enterprise credit assessment based on automatic public opinion analysis and early warning provided by the above methods, the method including: acquiring network public opinion data and enterprise business data, and generating a basic credit investigation report according to the enterprise business data; analyzing the network public opinion data to obtain public opinion analysis result data; and generating a public opinion credit report based on the basic credit report and the public opinion analysis result data.
In yet another aspect, the present invention further provides a non-transitory computer-readable storage medium, on which a computer program is stored, where the computer program is implemented by a processor to perform the method for enterprise credit assessment based on automatic public opinion analysis and early warning provided in the foregoing embodiments, and the method includes: acquiring network public opinion data and enterprise business data, and generating a basic credit investigation report according to the enterprise business data; analyzing the network public opinion data to obtain public opinion analysis result data; and generating a public opinion credit report based on the basic credit report and the public opinion analysis result data.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. An enterprise credit investigation method based on automatic public sentiment analysis and early warning is characterized by comprising the following steps:
acquiring network public opinion data and enterprise business data, and generating a basic credit investigation report according to the enterprise business data;
analyzing the network public opinion data to obtain public opinion analysis result data;
and generating a public opinion credit report based on the basic credit report and the public opinion analysis result data.
2. The enterprise credit investigation method based on automatic public opinion analysis and early warning as claimed in claim 1, wherein the generating of the basic credit investigation report according to the enterprise business data comprises:
constructing a business data source according to the first-line production and management metadata of the enterprise;
and inputting the service data source into an enterprise credit investigation calculation model, and calculating to obtain the basic credit investigation report, wherein the enterprise credit investigation calculation model is constructed by a preset machine learning algorithm.
3. The enterprise credit investigation method based on automatic public opinion analysis and early warning as claimed in claim 2, wherein the constructing of business data source according to enterprise first-line production and management metadata comprises:
and constructing a business data source according to the basic business data, the fund flow information, the analysis and evaluation information of the third-party organization and the enterprise financial report information of the enterprise.
4. The enterprise credit investigation method based on automatic public opinion analysis and early warning as claimed in claim 2 or 3, wherein the generating of the basic credit investigation report according to the enterprise business data further comprises:
performing data cleaning processing and data conversion processing on the service data source to obtain a processed service data source;
inputting the service data source into an enterprise credit investigation calculation model, and calculating to obtain the basic credit investigation report, wherein the method comprises the following steps:
and inputting the processed service data source into the enterprise credit investigation calculation model to obtain the basic credit investigation report.
5. The enterprise credit investigation method based on automatic public opinion analysis and early warning as claimed in claim 1, wherein the analyzing the internet public opinion data to obtain public opinion analysis result data comprises:
analyzing the network public opinion data based on a natural language processing algorithm to obtain a network public opinion information field;
and carrying out category analysis on the network public opinion information fields through a machine learning algorithm to obtain public opinion analysis result data.
6. The method for enterprise credit investigation based on automatic public opinion analysis and early warning as claimed in claim 1, wherein the generating of the public opinion credit report based on the basic credit report and the public opinion analysis result data comprises:
inputting the basic credit investigation report and the public opinion analysis result data into a public opinion credit investigation model to obtain a public opinion credit investigation report, wherein the public opinion credit investigation model is obtained by machine learning algorithm training;
after the generating of the public opinion credit report based on the base credit report and the public opinion analysis result data, the method further comprises:
acquiring feedback data corresponding to the public opinion credit report;
and inputting the basic credit investigation report, the public opinion analysis result data and the feedback data into the public opinion credit model for parameter optimization to obtain the optimized public opinion credit model.
7. The utility model provides an enterprise's device of informing based on automatic public opinion analysis and early warning which characterized in that includes:
the data acquisition module is used for acquiring network public opinion data and enterprise business data and generating a basic credit investigation report according to the enterprise business data;
the public opinion analysis module is used for analyzing the network public opinion data to obtain public opinion analysis result data;
and the credit investigation report generation module is used for generating a public opinion credit investigation report based on the basic credit investigation report and the public opinion analysis result data.
8. An electronic device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the method for enterprise credit based on automatic public opinion analysis and warning according to any one of claims 1 to 6 when executing the computer program.
9. A non-transitory computer readable storage medium, storing thereon a computer program, wherein the computer program, when executed by a processor, implements the method for enterprise credit assessment based on automatic public opinion analysis and warning according to any one of claims 1 to 6.
10. A computer program product comprising a computer program, wherein the computer program when executed by a processor implements the method for enterprise credit investigation based on automatic public opinion analysis and warning according to any of claims 1 to 6.
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