CN115689727A - Credit rating method and related device - Google Patents
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Abstract
The embodiment of the application discloses a credit rating method and a device, wherein the method comprises the following steps: acquiring a target quantitative index and a target qualitative index, wherein the target quantitative index is an index which is selected by a user and represents the financial condition or the business condition of an object to be rated, and the qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated; generating a target model according to the quantitative index and the qualitative index; acquiring task data which is input by a user and relates to a target object to be evaluated; acquiring target data corresponding to the quantitative index and the qualitative index according to the task data; and inputting the target data into the target model to obtain the credit rating of the target object to be rated.
Description
Technical Field
The embodiment of the application relates to the field of credit rating, in particular to a credit rating method and a related device.
Background
In order to better develop the business, the financial institution needs to perform credit rating for each enterprise. The credit rating process is a process of indicating the ability and willingness of an individual or enterprise to pay off his debt based on a set of related index systems. In existing solutions, a person at a financial institution determines the desired metrics and uses an electronic document, i.e., a rating card, to rate the credit for a particular individual or business.
However, in the existing solutions, the staff of the financial institution is required to manually enter relevant indexes and data and operate the electronic document to comprehensively score a specific individual or enterprise, which makes the process of credit rating inefficient and brings great inconvenience to the user.
Disclosure of Invention
The embodiment of the application provides a credit rating method and a related device.
A credit rating method, comprising:
acquiring a target quantitative index and a target qualitative index, wherein the target quantitative index is an index which is selected by a user and represents the financial condition of an object to be rated or the business condition of the object to be rated, and the target qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated;
generating a target model according to the target quantitative index and the target qualitative index;
acquiring task data which is input by the user and related to a target object to be evaluated;
acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data;
and inputting the target data into the target model to obtain the credit rating of the target object to be rated.
Optionally, before the target quantitative indicator and the target qualitative indicator are obtained, the method further includes:
and determining a preselected quantitative index and a preselected qualitative index, wherein the preselected quantitative index is an index representing the financial condition of the object to be rated or the business condition of the object to be rated, and the preselected qualitative index is an index representing the subjective evaluation of the user on the object to be rated.
Optionally, inputting the target data into the target model to obtain the credit rating of the target object to be rated, including:
inputting the target data into the target model to obtain the credit score of the target object to be evaluated;
and determining the credit grade according to the credit score based on a preset score range.
Optionally, after the target data is input to the target model and the credit rating of the target object to be rated is obtained, the method further includes:
and outputting the credit rating to a display screen.
Optionally, after the target data is input to the target model and the credit rating of the target object to be rated is obtained, the method further includes:
storing the credit rating to a database.
Optionally, generating a target model according to the target quantitative indicator and the target qualitative indicator includes:
and generating the target model according to the target quantitative index and the target qualitative index based on a preset relation.
Optionally, the preselected quantitative index includes a preselected financial statement index and a preselected service system index, the preselected financial statement index includes a preselected financial statement basic index and a preselected financial statement composite index, and the preselected service system index includes a default index of a credit system, a default index of a billing system, and a default index of an account system.
A credit rating device, comprising:
the system comprises an acquisition unit and a processing unit, wherein the acquisition unit is used for acquiring a target quantitative index and a target qualitative index, the target quantitative index is an index which is selected by a user and represents the financial condition of an object to be rated or the business condition of the object to be rated, and the target qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated;
a generating unit, configured to generate a target model according to the target quantitative index and the target qualitative index;
the acquisition unit is also used for acquiring task data which is input by the user and is about the target object to be evaluated;
the acquisition unit is further used for acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data;
and the processing unit is used for inputting the target data into the target model to obtain the credit rating of the target object to be rated.
A credit rating device, comprising:
the system comprises a central processing unit, a memory and an input/output interface;
the memory is a transient storage memory or a persistent storage memory;
the central processor is configured to communicate with the memory and execute the instruction operations in the memory to perform the aforementioned methods.
A computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the aforementioned method.
According to the technical scheme, the embodiment of the application has the following advantages:
and after the target quantitative index and the target qualitative index are obtained, a target model is generated. And then acquiring task data input by a user, and acquiring target data according to the task data. And finally, inputting the target data into the target model to obtain the credit rating of the target object to be rated. The user only needs to select the target quantitative index and the target qualitative index and then sends the target quantitative index and the target qualitative index to the credit rating device for processing, and the credit rating device can obtain the credit rating of the target object to be rated according to the preset steps, so that the efficiency of the credit rating process is high, and good experience is brought to the user.
Drawings
FIG. 1 is a schematic diagram of an embodiment of a credit rating method of the present application;
FIG. 2 is a schematic diagram of another embodiment of the credit rating method of the present application;
FIG. 3 is a schematic diagram of an embodiment of a credit rating device of the present application;
fig. 4 is a schematic diagram of another embodiment of the credit rating device of the present application.
Detailed Description
The embodiment of the application provides a credit rating method and a related device.
In the existing scheme, in order to realize credit rating of individuals or enterprises, users need to manually input relevant indexes and data and operate electronic documents to score, so that the efficiency is low. In order to solve the above problems, the present application provides a credit rating method and related apparatus, which only requires the user to select the index, and the other is executed by the credit rating apparatus, so as to obtain the credit rating quickly and accurately, thereby improving the efficiency.
The following describes a credit rating method and a credit rating apparatus according to the present application. Referring to fig. 1, an embodiment of a credit rating method of the present application includes:
101. acquiring a target quantitative index and a target qualitative index;
and acquiring a target quantitative index and a target qualitative index. The target quantitative index is an index which is selected by a user and represents the financial condition of the object to be rated or the business condition of the object to be rated, and the qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated. The quantitative indexes comprise financial statement indexes and business system indexes, the financial statement indexes comprise financial report basic indexes and financial report composite indexes, the financial report basic indexes comprise personal or enterprise total assets, total liabilities or cash assets and the like, the financial report composite indexes are indexes obtained based on the financial report basic indexes, such as asset liability rates, and the asset liability rates are quotient of the total liabilities and the total assets. The business system indexes include default indexes of a credit system, default indexes of a bill system, default indexes of an account system and the like. The user can select according to the requirements in different scenes, for example, in a bank loan wind control scene, the user can add target quantitative indexes and target qualitative indexes such as personal income, whether the user is a senior client in the bank, historical mobile phone arrearage records and the like; under the condition that the insurance company divides the customer group for marketing, the user can add target quantitative indexes and target qualitative indexes such as age, gender, work category, marital condition, whether other products are purchased and the like. The qualitative index comprises a selective index and a content index, the selective index represents the overall subjective evaluation of a certain enterprise or a certain person by a user, and the credit rating device is provided with a plurality of options for selection, such as excellent, good, medium and poor. The internal capacity index represents the detail subjective evaluation of the user, such as the subjective judgment of the repayment willingness of a certain enterprise or a certain person, and the like, and the content with indefinite length can be input into the credit rating device.
102. Generating a target model according to the target quantitative index and the target qualitative index;
and after the target quantitative index and the target qualitative index are obtained, generating a target model according to the target quantitative index and the target qualitative index. Specifically, the target quantitative index and the target qualitative index are used as input quantity, the credit level is used as output quantity, the relation between the input quantity and the output quantity is set, and related parameters such as weight are set to generate the target model.
103. Acquiring task data which is input by a user and related to a target object to be evaluated;
and acquiring task data which is input by a user and is about the target object to be evaluated. The task data comprises the operation time, the post-loan model, the financial and reporting period and the like of the task. The target object to be rated, i.e. the main object that the user wants to rate credit, may be a certain person or a certain business.
104. Acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data;
and acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data. Specifically, target data corresponding to a target quantitative index and a target qualitative index is obtained from a database according to task data of a target object to be graded. If the total assets in the target quantitative indexes are found, the total assets indexes of the target object to be evaluated are found in the database, and the data corresponding to the total assets indexes, namely the target data is 50 ten thousand yuan.
105. And inputting the target data into the target model to obtain the credit rating of the target object to be rated.
And inputting the target data into the target model to obtain the credit rating of the target object to be rated. Specifically, based on the preset relationship, the credit score of the target object to be rated is obtained according to the target data, and then the credit grade of the target object to be rated is judged according to the credit score. For example, 91 to 100 points are excellent, 76 to 90 points are good, 60 to 75 points are medium, and if the credit score of the target object to be rated is 80 points, the credit rating is good.
In the embodiment of the application, a target model is generated after a target quantitative index and a target qualitative index are obtained. And then acquiring task data input by a user, and acquiring target data according to the task data. And finally, inputting the target data into the target model to obtain the credit rating of the target object to be rated. The user only needs to select the target quantitative index and the target qualitative index and then sends the target quantitative index and the target qualitative index to the credit rating device for processing, and the credit rating device can obtain the credit rating of the target object to be rated according to the preset steps, so that the efficiency of the credit rating process is high, and good experience is brought to the user.
Referring to fig. 2, another embodiment of the credit rating method of the present application includes:
201. determining a preselected quantitative index and a preselected qualitative index;
and determining a preselected quantitative index and a preselected qualitative index. The pre-selected quantitative index is an index representing the financial condition of the object to be rated or the business condition of the object to be rated, and the pre-selected qualitative index is an index representing the subjective evaluation of the object to be rated by the user. Specifically, the backstage operation and maintenance personnel set the credit rating device, limit the selectable quantitative index range of a certain person or a certain enterprise, namely a preselected quantitative index, and limit the selectable qualitative index, namely a preselected qualitative index. The device determines a preselected quantitative index and a preselected qualitative index according to the setting information.
202. Acquiring a target quantitative index and a target qualitative index;
and acquiring a target quantitative index and a target qualitative index. The target quantitative index is an index which is selected by a user and represents the financial condition of the object to be rated or the business condition of the object to be rated, and the qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated. The target quantitative index is selected from the preselected quantitative indexes by the user, and the target qualitative index is selected from the preselected qualitative indexes by the user.
The quantitative indexes comprise financial statement indexes and business system indexes, the financial statement indexes comprise financial report basic indexes and financial report composite indexes, the financial report basic indexes comprise personal or enterprise total assets, total liabilities or cash assets and the like, the financial report composite indexes are indexes obtained based on the financial report basic indexes, such as asset liability rates, and the asset liability rates are quotient of the total liabilities and the total assets. The business system indexes include default indexes of a credit system, default indexes of a bill system, default indexes of an account system and the like. The user can select according to the requirements in different scenes, for example, in a bank loan wind control scene, the user can add target quantitative indexes and target qualitative indexes such as personal income, whether the user is a senior client in the bank, historical mobile phone arrearage records and the like; under the condition that the insurance company divides the customer group for marketing, the user can add target quantitative indexes and target qualitative indexes such as age, gender, work category, marital condition, whether other products are purchased and the like. The qualitative indexes comprise selective indexes and content indexes, the selective indexes represent the overall subjective evaluation of a certain enterprise or a certain person by a user, and the credit rating device is provided with a plurality of options for selection, such as excellent, good, medium and poor. The internal capacitive index represents the detail subjective evaluation of the user, such as the subjective judgment of the repayment willingness of a certain enterprise or a certain person, and the like, and the content with variable length can be input into the credit rating device.
203. Generating a target model according to the target quantitative index and the target qualitative index based on a preset relation;
and based on the preset relation, after the target quantitative index and the target qualitative index are obtained, generating a target model according to the target quantitative index and the target qualitative index. Specifically, a target quantitative index and a target qualitative index are used as input quantities, a credit level is used as an output quantity, a relation between the input quantity and the output quantity is set, related parameters such as weight are set, and a plurality of indexes can be combined into one index to generate a target model.
204. Acquiring task data which is input by a user and relates to a target object to be evaluated;
and acquiring task data which is input by a user and related to the target object to be evaluated. The task data comprises the operation time, the post-loan model, the financial and reporting period and the like of the task. The target object to be rated, i.e. the main object that the user wants to rate credit, may be a certain person or a certain business.
205. Acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data;
and acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data. Specifically, target data corresponding to a target quantitative index and a target qualitative index is obtained from a database according to task data of a target object to be graded. If the total assets in the target quantitative index are found, the total assets index of the target object to be evaluated is found in the database, and the data corresponding to the total assets index, namely the target data, is 50 ten thousand yuan.
206. Inputting the target data into a target model to obtain a credit score of a target object to be evaluated;
and inputting the target data into the target model to obtain the credit score of the target object to be evaluated. Specifically, based on the preset relationship, the weight and other relevant parameters, the credit score of the target object to be evaluated is obtained according to the target data. The credit score range is typically 0 to 100, and can be set by actual requirements.
207. Determining a credit rating according to the credit score based on a preset score range;
and determining the credit rating according to the credit score based on a preset score range. Specifically, after the credit score of the target object to be rated is obtained, the credit level of the target object to be rated is judged according to the credit score. For example, a credit rating of 91 to 100 is excellent, 76 to 90 is good, 60 to 75 is medium, and if the credit score of the target object to be rated is 80, the credit rating is good.
208. Outputting the credit rating to a display screen;
and after the credit rating of the target object to be rated is determined, outputting the credit rating to a display screen. The credit rating and other related data of the target object to be evaluated can be visually displayed for the user.
209. The credit rating is stored to a database.
And after the credit rating of the target object to be rated is determined, storing the credit rating into a database. To facilitate subsequent data calls or queries.
In this embodiment, a target model is generated after the target quantitative index and the target qualitative index are obtained. And then acquiring task data input by a user, and acquiring target data according to the task data. And finally, inputting the target data into the target model to obtain the credit rating of the target object to be rated. The user only needs to select the target quantitative index and the target qualitative index and then sends the target quantitative index and the target qualitative index to the credit rating device for processing, and the credit rating device can obtain the credit rating of the target object to be rated according to the preset steps, so that the efficiency of the credit rating process is high. And the decoupling of the model module and the task module facilitates the reuse of indexes and the flexible configuration of rules. The different types of quantitative indexes and qualitative indexes can meet the credit rating requirements of almost all financial institutions facing enterprises of different scales and different industries, and independent development and adaptation work is not needed according to the characteristics of a certain enterprise. In addition, the visual task processing page can show indexes in detail, so that a user can download and archive related data, and better experience is brought to the user.
The following describes a credit rating apparatus of the present application. Referring to fig. 3, an embodiment of a credit rating apparatus of the present application includes:
an obtaining unit 301, configured to obtain a target quantitative index and a target qualitative index, where the target quantitative index is an index that is selected by a user and represents a financial condition of an object to be rated or a business condition of the object to be rated, and the qualitative index is an index that is selected by the user and represents subjective evaluation of the object to be rated by the user;
a generating unit 302, configured to generate a target model according to the quantitative index and the qualitative index;
the obtaining unit 301 is further configured to obtain task data, which is input by the user and related to a target object to be evaluated;
the obtaining unit 301 is further configured to obtain target data corresponding to the quantitative index and the qualitative index according to the task data;
the processing unit 303 is configured to input the target data into the target model, so as to obtain a credit rating of the target object to be rated.
In this embodiment of the application, after the obtaining unit 301 obtains the target quantitative index and the target qualitative index, the generating unit 302 generates the target model. And then acquiring task data input by a user, and acquiring target data according to the task data. Finally, the processing unit 303 inputs the target data into the target model to obtain the credit rating of the target object to be rated. The user only needs to select the target quantitative index and the target qualitative index and then sends the target quantitative index and the target qualitative index to the credit rating device for processing, and the credit rating device can obtain the credit rating of the target object to be rated according to the preset steps, so that the efficiency of the credit rating process is high, and good experience is brought to the user.
The functions and processes executed by each unit in the credit rating apparatus of this embodiment are similar to those executed by the credit rating apparatus in fig. 1 to 2, and are not described again here.
Fig. 4 is a schematic structural diagram of a credit rating apparatus 400 according to an embodiment of the present application, where the credit rating apparatus 400 may include one or more Central Processing Units (CPUs) 401 and a memory 405, and the memory 405 stores one or more applications or data.
The credit rating apparatus 400 may also include one or more power supplies 402, one or more wired or wireless network interfaces 403, one or more input-output interfaces 404, and/or one or more operating systems, such as Windows Server, mac OS XTM, unixTM, linuxTM, freeBSDTM, etc.
The central processing unit 401 may perform the operations performed by the credit rating apparatus in the embodiments shown in fig. 1 to fig. 2, which are not described herein again.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one type of logical functional division, and other divisions may be realized in practice, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
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 units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit may be implemented in the form of hardware, or may also be implemented in the form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes 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 application. 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 the like.
Claims (10)
1. A credit rating method, comprising:
acquiring a target quantitative index and a target qualitative index, wherein the target quantitative index is an index which is selected by a user and represents the financial condition of an object to be rated or the business condition of the object to be rated, and the target qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated;
generating a target model according to the target quantitative index and the target qualitative index;
acquiring task data which is input by the user and related to a target object to be evaluated;
acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data;
and inputting the target data into the target model to obtain the credit rating of the target object to be rated.
2. The method of claim 1, wherein prior to obtaining the target quantitative indicator and the target qualitative indicator, the method further comprises:
and determining a pre-selected quantitative index and a pre-selected qualitative index, wherein the pre-selected quantitative index is an index representing the financial condition of the object to be rated or the business condition of the object to be rated, and the pre-selected qualitative index is an index representing the subjective evaluation of the object to be rated by the user.
3. The method of claim 1, wherein inputting the target data into the target model to obtain the credit rating of the target object to be rated comprises:
inputting the target data into the target model to obtain the credit score of the target object to be evaluated;
and determining the credit rating according to the credit score based on a preset score range.
4. The method of claim 1, wherein the target data is input into the target model, and after the credit rating of the target object to be rated is obtained, the method further comprises:
and outputting the credit rating to a display screen.
5. The method of claim 1, wherein the target data is input into the target model, and after the credit rating of the target object to be rated is obtained, the method further comprises:
storing the credit rating to a database.
6. The method of claim 1, wherein generating a target model based on the target quantitative indicators and the target qualitative indicators comprises:
and generating the target model according to the target quantitative index and the target qualitative index based on a preset relation.
7. The method of claim 2, wherein the preselected quantitative indicators include preselected financial reporting indicators including preselected financial reporting base indicators and preselected financial reporting composite indicators, and preselected business system indicators including default indicators for a credit system, default indicators for a billing system, and default indicators for an account system.
8. A credit rating apparatus, comprising:
the system comprises an acquisition unit, a judgment unit and a display unit, wherein the acquisition unit is used for acquiring a target quantitative index and a target qualitative index, the target quantitative index is an index which is selected by a user and represents the financial condition of an object to be rated or the business condition of the object to be rated, and the target qualitative index is an index which is selected by the user and represents the subjective evaluation of the user on the object to be rated;
a generating unit, configured to generate a target model according to the target quantitative indicator and the target qualitative indicator;
the acquisition unit is also used for acquiring task data which is input by the user and is about the target object to be evaluated;
the acquisition unit is further used for acquiring target data corresponding to the target quantitative index and the target qualitative index according to the task data;
and the processing unit is used for inputting the target data into the target model to obtain the credit rating of the target object to be rated.
9. A credit rating apparatus, comprising:
the system comprises a central processing unit, a memory and an input/output interface;
the memory is a transient memory or a persistent memory;
the central processor is configured to communicate with the memory and execute the operations of the instructions in the memory to perform the method of any of claims 1 to 7.
10. A computer-readable storage medium comprising instructions that, when executed on a computer, cause the computer to perform the method of any one of claims 1 to 7.
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