CN115860919A - Enterprise operation state evaluation method and device based on invoice data - Google Patents

Abstract

The application provides an enterprise operation state evaluation method and device based on invoice data, wherein the method comprises the steps of obtaining basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period; respectively checking the basic data, the invoice data and the tax payment data to determine whether the basic data, the invoice data and the tax payment data meet preset basic data standards, invoice evaluation standards and tax payment evaluation standards; if the standards are all met, determining that the operation state of the target enterprise is good; and if at least one standard is not met, determining that the operation state of the target enterprise is bad. The scheme combines tax payment data and invoice data of the enterprise to evaluate the operation state of the enterprise, and has higher accuracy compared with the scheme of evaluating the operation state only according to the invoice data.

Description

Enterprise operation state evaluation method and device based on invoice data

Technical Field

The invention relates to the technical field of data processing, in particular to an enterprise operation state evaluation method and device based on invoice data.

Background

During the operation of the enterprise, the enterprise itself and other external organizations often need to evaluate the operation condition of the enterprise. For example, when a business applies for a loan from a financial institution, the financial institution needs to evaluate the business operation condition to determine the loan amount according to the business operation condition.

The existing scheme for evaluating the operation condition of the enterprise mainly utilizes a pre-constructed model for evaluating the operation condition to analyze tax payment data of the enterprise so as to obtain the operation condition of the enterprise.

The method has the problems that the tax payment data of the enterprise can not accurately reflect the real operation condition of the enterprise sometimes, for example, the operation condition of a certain enterprise is poor in the recent period of time, and the tax payment is still carried out according to the time, and at the moment, the conclusion of the poor operation condition of the enterprise can not be obtained from the tax payment data. Therefore, the accuracy of the scheme for evaluating the operation condition based on the enterprise tax payment data only is low.

Disclosure of Invention

In view of the above disadvantages of the prior art, the present invention provides a method and an apparatus for evaluating an enterprise business state based on invoice data, so as to provide a scheme for more accurately evaluating an operation status of an enterprise.

The first aspect of the application provides an enterprise operation state evaluation method based on invoice data, which comprises the following steps:

acquiring basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period;

respectively checking whether the basic data, the invoice data and the tax payment data meet preset basic data standards, invoice evaluation standards and tax payment evaluation standards;

the basic data standard comprises that the actual operation duration of the target enterprise is greater than or equal to a preset shortest operation duration, the invoice evaluation standard comprises that billing records exist in a first detection period up to now, billing records exist in at least N months in a second detection period up to now, the proportion of abnormal billing records to the billing records of the last two years in the invoice data is smaller than a preset proportion threshold value, the tax evaluation standard comprises that tax records of the target enterprise exist in a third detection period, the first detection period is smaller than the second detection period, and the second detection period is smaller than the evaluation period;

if the basic data accords with the basic data standard, the invoice data accords with the invoice evaluation standard, and the tax payment data accords with the tax payment evaluation standard, the operation state of the target enterprise is determined to be good;

and if the basic data, the invoice data and the tax payment data do not accord with at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, determining that the operation state of the target enterprise is bad.

Optionally, after obtaining the basic data, the tax payment data and the invoice data of the target enterprise, the method further includes:

acquiring tax payment data of upstream and downstream enterprises of the target enterprise;

verifying whether the tax payment data of the upstream and downstream enterprises meet the preset upstream and downstream enterprise standards; the upstream and downstream enterprise standards comprise tax payment records of the upstream and downstream enterprises in the third detection period;

the determining that the operation state of the target enterprise is good includes:

and when the tax payment data of the upstream and downstream enterprises meet the upstream and downstream enterprise standards, determining that the operation state of the target enterprise is good.

Optionally, after determining that the operation status of the target enterprise is good, the method further includes:

and calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

Optionally, before calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise, the method further includes:

judging whether the industry to which the target enterprise belongs to a preset admission-limiting industry table or not;

and if the industry to which the target enterprise belongs to the restricted admission industry table, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

Optionally, before calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise, the method further includes:

judging whether the registration place of the target enterprise is located in a preset target administrative region or not;

and if the registration place of the target enterprise is located in the target administrative region, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

The second aspect of the present application provides an enterprise operation state evaluation device based on invoice data, including:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period;

the verification unit is used for respectively verifying the basic data, the invoice data and the tax payment data and whether the basic data, the invoice data and the tax payment data accord with preset basic data standards, invoice evaluation standards and tax payment evaluation standards;

the basic data standard comprises that the actual operation duration of the target enterprise is greater than or equal to a preset shortest operation duration, the invoice evaluation standard comprises that billing records exist in a first detection period up to now, billing records exist in a second detection period up to now for at least N months, the proportion of abnormal billing records to the billing records in the last two years in the invoice data is smaller than a preset proportion threshold value, the tax payment evaluation standard comprises that tax payment records exist in a third detection period, the first detection period is smaller than the second detection period, and the second detection period is smaller than the evaluation period;

a determination unit configured to:

if the basic data meet the basic data standard, the invoice data meet the invoice evaluation standard, and the tax payment data meet the tax payment evaluation standard, and the operating state of the target enterprise is determined to be good;

and if the basic data, the invoice data and the tax payment data do not accord with at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, determining that the operation state of the target enterprise is bad.

Optionally, the obtaining unit is further configured to obtain tax payment data of enterprises upstream and downstream of the target enterprise;

the verification unit is further configured to:

verifying whether the tax payment data of the upstream and downstream enterprises meet the preset upstream and downstream enterprise standards; the upstream and downstream enterprise standards comprise tax payment records of the upstream and downstream enterprises in the third detection period;

when the determining unit determines that the operation state of the target enterprise is good, the determining unit is specifically configured to:

and when the tax payment data of the upstream and downstream enterprises meet the upstream and downstream enterprise standards, determining that the operation state of the target enterprise is good.

Optionally, the apparatus further includes a computing unit, configured to:

and calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

Optionally, the computing unit is further configured to:

judging whether the industry to which the target enterprise belongs to a preset admission-limiting industry table or not;

and if the industry to which the target enterprise belongs to the restricted admission industry table, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

Optionally, the computing unit is further configured to:

judging whether the registration place of the target enterprise is located in a preset target administrative region or not;

and if the registration place of the target enterprise is located in the target administrative region, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

The application provides an enterprise operation state evaluation method and device based on invoice data, wherein the method comprises the steps of obtaining basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period; respectively checking the basic data, the invoice data and the tax payment data to determine whether the basic data, the invoice data and the tax payment data meet preset basic data standards, invoice evaluation standards and tax payment evaluation standards; if the standards are all met, determining that the operation state of the target enterprise is good; and if at least one standard is not met, determining that the operation state of the target enterprise is bad. The scheme combines tax payment data and invoice data of the enterprise to evaluate the operation state of the enterprise, and has higher accuracy compared with the scheme of evaluating the operation state only according to the invoice data.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a flowchart of an enterprise business state evaluation method based on invoice data according to an embodiment of the present application;

FIG. 2 is a flowchart of another method for assessing business operations based on invoice data according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of an enterprise business state evaluation device based on invoice data according to an embodiment of the present application.

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, a flowchart of an enterprise business state evaluation method based on invoice data according to an embodiment of the present application may include the following steps.

Each step in the method provided by this embodiment may be executed by the enterprise business state evaluation device based on invoice data provided by this application.

And S101, acquiring basic data, tax payment data and invoice data of the target enterprise.

The invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period. The preset evaluation period may be set according to actual conditions, and is not limited. For example, the preset evaluation period may be set to last two years, and the corresponding invoice data may include an invoice record of invoicing time of the target enterprise in the last two years. The invoice issuing record can be regarded as an electronic invoice, and information such as invoice amount, payee and payer, invoice issuing time, transaction channel and the like can be recorded in the invoice issuing record.

In addition to the invoice issuing records described above, the invoice data may include data of taxpayer name, social credit code, tax due date, net profit, total amount of liability, total amount of assets, and the like of the target enterprise.

The tax payment data can include tax payment records generated by each tax payment of the target enterprise in a preset evaluation period. Continuing with the foregoing example, when the preset evaluation period is the last two years, the tax payment data may include tax payment records generated by the target enterprise at each tax payment within the last two years.

In addition to the tax payment records, the tax payment data of the target enterprise may also include tax payer name, social credit code, beginning of tax period, ending of tax period, actual tax amount, tax type and other data.

The basic data of the target enterprise at least comprises an enterprise name and a social credit code of the target enterprise, the initial operation time of the target enterprise, namely the time when the target enterprise operates from the time point, the current persistent state of the target enterprise and the like.

The basic data, the tax payment data and the invoice data can be read from the database of the relevant administrative organization of the enterprise registration place.

And S102, respectively checking the basic data, the invoice data and the tax payment data, and judging whether the basic data, the invoice data and the tax payment data meet the preset basic data standard, invoice evaluation standard and tax payment evaluation standard.

The basic data standard comprises that the actual operation duration of a target enterprise is greater than or equal to a preset shortest operation duration, the invoice evaluation standard comprises that billing records exist in a first detection period up to now, billing records exist in at least N months in a second detection period up to now, the proportion of abnormal billing records in the billing records of the last two years in invoice data is smaller than a preset proportion threshold value, the tax evaluation standard comprises that tax records exist in a third preset detection period in the target enterprise, the first detection period is smaller than the second detection period, and the second detection period is smaller than the evaluation period; and N is a preset positive integer.

If the basic data meets the basic data standard, the invoice data meets the invoice evaluation standard, and the tax payment data meets the tax payment evaluation standard, step S103 is executed.

If the basic data, the invoice data and the tax payment data do not meet at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, step S104 is performed. That is, if the basic data does not meet the basic data standard, the invoice data does not meet the invoice data standard, the tax payment data does not meet the tax payment data standard, or both, the step S104 is executed.

In the basic data standard, the shortest operation duration may be set according to actual conditions, for example, may be set to one year, or may be set to other values, without limitation. Illustratively, when the shortest operation duration is set to one year, if the actual operation duration of the target enterprise is greater than or equal to one year, it is determined that the basic data meets the basic data standard, and if the actual operation duration is less than one year, it is determined that the basic data does not meet the basic data standard.

In the invoice evaluation standard, the first detection period, the second detection period, N and the proportional threshold can be set as required, and are not limited.

Illustratively, the first detection period may be set to 3 months, the second detection period may be set to 6 months, N is set to 3, and the proportional threshold is set to 50%.

Based on the above example, if the invoice data for the target business is simultaneously satisfied: billing records within the last 3 months (indicating that the target business invoiced within the last 3 months); billing records exist for at least 3 months in the last 6 months (which indicates that invoices are made for the target enterprise for 3 months or more in the last 6 months); and if the abnormal invoicing records account for less than 50% of the invoicing records in the last two years in the invoice data, the invoice data of the target enterprise is considered to meet the invoice evaluation standard, and if the abnormal invoicing records do not meet the conditions at the same time, the invoice data of the target enterprise is considered not to meet the invoice evaluation standard.

The abnormal invoicing record refers to the invoicing record corresponding to abnormal invoices such as abnormal invoices, out of control invoices, invalid invoices, red characters and the like.

In the tax payment evaluation standard, the third detection period may be the same as or different from the preset evaluation period, and is specifically set as required, without limitation. Illustratively, the third detection period may be set to the last 6 months. Correspondingly, if the tax payment data contains the tax payment records of the target enterprise in the last 6 months, the tax payment data is considered to be in accordance with the tax payment evaluation standard, and if the tax payment data does not contain the tax payment records of the target enterprise in the last 6 months, such as the tax payment records of a certain month or a certain number of months are lacked in the last 6 months, the tax payment data is considered to be not in accordance with the tax payment evaluation standard.

And S103, determining that the operation state of the target enterprise is good.

And S104, determining that the operation state of the target enterprise is bad.

In some optional embodiments, in order to further improve the accuracy of the evaluation result, tax payment data of enterprises upstream and downstream of the target enterprise may be introduced as a reference when evaluating the business status of the target enterprise.

That is, after acquiring the basic data, the tax payment data and the invoice data of the target enterprise, the method further includes:

acquiring tax payment data of upstream and downstream enterprises of a target enterprise;

verifying whether the tax payment data of the upstream and downstream enterprises meet the preset upstream and downstream enterprise standards; the upstream and downstream enterprise standards comprise tax payment records of upstream and downstream enterprises stored in a third detection period;

the third detection period may be the same as or different from the preset evaluation period, and is specifically set as required, without limitation. For example, the third detection period may also be set to the last 6 months, and the upstream and downstream enterprise standards are, for example, tax payment records stored in the upstream and downstream enterprises in the last 6 months.

Correspondingly, after the tax payment data of the upstream and downstream enterprises are introduced, the condition for determining that the operation state of the target enterprise is good needs to be further defined as that the operation state of the target enterprise is good only if the tax payment data of the upstream and downstream enterprises meet the standards of the upstream and downstream enterprises on the premise that the basic data meets the basic data standard, the invoice data meets the invoice evaluation standard and the tax payment data meets the tax payment evaluation standard.

In contrast, after the upstream and downstream enterprise data are introduced, if the basic data, the invoice data and the tax payment data of the target enterprise all conform to the corresponding basic data standard, invoice evaluation standard and tax payment evaluation standard, but the tax payment data of the upstream and downstream enterprises do not conform to the standards of the upstream and downstream enterprises, the operating state of the target enterprise is still considered to be bad.

The upstream and downstream enterprises are collectively called upstream enterprise and downstream enterprise. For a target enterprise, the upstream enterprise thereof generally refers to a supplier providing material support or other software support for the target enterprise, for example, the target enterprise is an appliance manufacturing enterprise, and then a component manufacturing enterprise providing components required for manufacturing the appliance for the target enterprise is an upstream enterprise of the target enterprise. Downstream enterprises, which generally refer to enterprises purchasing products of target enterprises, take the target enterprise as an example of home appliance manufacturing enterprise, and a certain e-commerce enterprise purchases manufactured home appliances from the target enterprise and sells the manufactured home appliances to individual users through a platform of the e-commerce enterprise, then the e-commerce enterprise can be regarded as a downstream enterprise of the target enterprise manufacturing home appliances.

It should be noted that a target enterprise may have both multiple upstream enterprises and multiple downstream enterprises, or may have only one or more upstream enterprises and only one or more downstream enterprises. When the number of upstream and downstream enterprises of the target enterprise is plural, the aforementioned upstream and downstream enterprise standards should be: and in the third detection period, each upstream enterprise and each downstream enterprise have corresponding tax payment records.

The tax payment data of the upstream and downstream enterprises can comprise the tax payment records, and also can comprise the taxpayer name, the social credit code, the belonged year and month, the seller/buyer taxpayer identification number, the seller/buyer taxpayer name, the price tax amount, the number of copies and the like of the upstream and downstream enterprises.

The application provides an enterprise operation state evaluation method based on invoice data, which comprises the steps of obtaining basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period; respectively checking the basic data, the invoice data and the tax payment data to determine whether the basic data, the invoice data and the tax payment data meet preset basic data standards, invoice evaluation standards and tax payment evaluation standards; if the standards are all met, determining that the operation state of the target enterprise is good; and if at least one standard is not met, determining that the operation state of the target enterprise is bad. The scheme combines tax payment data and invoice data of the enterprise to evaluate the operation state of the enterprise, and has higher accuracy compared with the scheme of evaluating the operation state only according to the invoice data.

Referring to fig. 2, a flowchart of a method for evaluating an enterprise business status based on invoice data according to another embodiment of the present application is provided.

The method provided in this embodiment may be regarded as a specific application of the method provided in the embodiment corresponding to fig. 1 in a business loan scenario. That is to say, in this embodiment, after the operation status of the enterprise is determined to be good, the corresponding pre-estimated loan amount may be further calculated according to the obtained data of the enterprise, and then the funds of the pre-estimated loan amount may be borrowed and credited to the target enterprise.

S201, acquiring basic data, tax payment data and invoice data of the target enterprise.

And S202, respectively checking the basic data, the invoice data and the tax payment data to determine whether the basic data, the invoice evaluation standard and the tax payment evaluation standard are in accordance with preset basic data standards, invoice evaluation standards and tax payment evaluation standards.

If the basic data meets the basic data standard, the invoice data meets the invoice evaluation standard, and the tax payment data meets the tax payment evaluation standard, step S203 is executed.

If the basic data, the invoice data and the tax payment data do not meet at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, step S204 is executed.

And S203, determining that the operation state of the target enterprise is good.

And S204, determining that the operation state of the target enterprise is bad.

The specific implementation manner of steps S201 to S204 is consistent with that of steps S101 to S104 in the embodiment corresponding to fig. 1, and is not described again.

And S205, calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

In step S205, a pre-constructed loan amount estimation model may be inputted with the basic data, tax payment data and invoice data of the target enterprise, a plurality of coefficients for calculating the loan amount according to the above data are preset in the model, and after the above data is inputted, the model may calculate the estimated loan amount of the target enterprise, so that a bank or other financial institution may issue a loan to the target enterprise according to the estimated loan amount.

The loan amount estimation model can be a deep learning model trained by utilizing a large number of samples in advance, or can be a mathematical function model constructed according to experience and a plurality of preset coefficients, and the specific construction mode and the working principle of the model can refer to the existing scheme for calculating the loan amount of an enterprise, and are not repeated.

Optionally, when the method of this embodiment is applied to a scenario of enterprise loan, considering that a part of banks or financial institutions may only loan enterprises of a specified industry, after determining that the operation status of the target enterprise is good, before performing step S205, the following steps may be performed:

judging whether the industry of the target enterprise belongs to a preset admission limiting industry table or not;

and if the industry to which the target enterprise belongs to the limited admittance industry table, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

And if the industry to which the target enterprise belongs is not recorded in the admission-limited industry table, the target enterprise is not allowed to be provided with the loan.

Therefore, if the industry to which the target enterprise belongs to the restricted admission industry table, S205 is executed, and if the industry to which the target enterprise belongs does not belong to the restricted admission industry table, S205 is not executed, and the method is directly ended. Optionally, when the industry to which the target enterprise belongs does not belong to the restricted admission industry table, a loan failure prompt may be output, and a corresponding failure reason may be displayed, for example, a "the industry to which the enterprise belongs is not in the restricted admission industry table for allowing loans".

Optionally, when the method of this embodiment is applied to a scenario of enterprise loan, considering that a part of banks or financial institutions may only loan enterprises in a specified administrative area, after determining that the operation status of the target enterprise is good, before performing step S205, the following steps may be performed:

judging whether the registration place of the target enterprise is located in a preset target administrative region or not;

and if the target enterprise is registered in the target administrative region, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

And the target administrative region is a pre-designated administrative region where the loan can be issued. That is, if the registered place of the target business is within the target administrative area and the operating condition is good, the loan may be issued for the target business, and if the registered place of the target business is not within the target administrative area, the loan may not be issued for the target business.

The target administrative area may be designated by the bank or other financial institution providing the loan, for example, a bank in a province may designate the target administrative area as the province to which the bank belongs.

For example, when the target administrative region is designated as a province, and the target enterprise is determined to be in good operation, it may be determined whether the target enterprise is registered in the province, if so, S205 may be performed to determine the estimated loan amount of the target enterprise, and if not, the method may be ended, and at this time, a loan failure prompt may be output, and a failure reason may be output, for example, "the enterprise is not registered in the designated province".

Further optionally, the two steps of determining whether the target enterprise is registered in the target administrative area and determining whether the industry to which the target enterprise belongs to the admission-restricted industry table may be executed simultaneously, that is, after the target enterprise is determined to be in a good operation state, the two determinations may be executed respectively, S205 is executed only if the two determinations are both yes, and if at least one determination is not yes, a loan failure prompt and the failure reason are output.

According to the enterprise business state evaluation method based on the invoice data provided by the embodiment of the application, an enterprise business state evaluation device based on the invoice data is further provided by the embodiment of the application, please refer to fig. 3, which is a schematic structural diagram of the device, and the device may include the following units.

An obtaining unit 301, configured to obtain basic data, tax payment data, and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period;

the verification unit 302 is configured to verify the basic data, the invoice data, and the tax payment data respectively, and determine whether the basic data, the invoice evaluation standard, and the tax payment evaluation standard meet preset basic data standards, invoice evaluation standards, and tax payment evaluation standards;

the basic data standard comprises that the actual operation duration of a target enterprise is greater than or equal to the preset shortest operation duration, the invoice evaluation standard comprises that billing records exist in a first detection period up to now, billing records exist in a second detection period up to now for at least N months, the proportion of abnormal billing records in the billing records of the last two years in invoice data is smaller than a preset proportion threshold value, the tax evaluation standard comprises that tax records exist in a third detection period, the first detection period is smaller than the second detection period, and the second detection period is smaller than the evaluation period;

a determining unit 303, configured to:

if the basic data accords with the basic data standard, the invoice data accords with the invoice evaluation standard, and the tax payment data accords with the tax payment evaluation standard, the operation state of the target enterprise is determined to be good;

and if the basic data, the invoice data and the tax payment data do not accord with at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, determining that the operation state of the target enterprise is bad.

Optionally, the obtaining unit 301 is further configured to obtain tax payment data of upstream and downstream enterprises of the target enterprise;

the verification unit 302 is further configured to:

verifying whether the tax payment data of the upstream and downstream enterprises meet the preset upstream and downstream enterprise standards; the upstream and downstream enterprise standards comprise tax payment records of upstream and downstream enterprises stored in a third detection period;

when the determining unit 303 determines that the operation status of the target enterprise is good, the determining unit is specifically configured to:

and when the tax payment data of the upstream and downstream enterprises meet the upstream and downstream enterprise standards, determining that the operation state of the target enterprise is good.

Optionally, the apparatus further comprises a calculating unit 304, configured to:

and calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

Optionally, the calculating unit 304 is further configured to:

judging whether the industry to which the target enterprise belongs to a preset admission-limiting industry table or not;

and if the industry to which the target enterprise belongs to the limited admittance industry table, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

Optionally, the calculating unit 304 is further configured to:

judging whether the registration place of the target enterprise is located in a preset target administrative region or not;

and if the target enterprise is registered in the target administrative region, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

The specific working principle and beneficial effects of the enterprise operation state evaluation device based on the invoice data provided by the embodiment of the application can refer to the relevant steps and beneficial effects of the enterprise operation state evaluation method based on the invoice data provided by the embodiment of the application, and are not repeated.

For the specific principles and beneficial effects of the enterprise operation state evaluation device based on invoice data provided in this embodiment, reference may be made to the relevant steps and beneficial effects in the enterprise operation state evaluation method based on invoice data provided in this embodiment, and details are not repeated.

Finally, it should also be 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. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.

It should be noted that the terms "first", "second", and the like in the present invention are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.

Those skilled in the art can make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. An enterprise operation state evaluation method based on invoice data is characterized by comprising the following steps:

acquiring basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period;

respectively checking whether the basic data, the invoice data and the tax payment data meet preset basic data standards, invoice evaluation standards and tax payment evaluation standards;

the basic data standard comprises that the actual operation duration of the target enterprise is greater than or equal to a preset shortest operation duration, the invoice evaluation standard comprises that billing records exist in a first detection period up to now, billing records exist in at least N months in a second detection period up to now, the proportion of abnormal billing records to the billing records of the last two years in the invoice data is smaller than a preset proportion threshold value, the tax evaluation standard comprises that tax records of the target enterprise exist in a third detection period, the first detection period is smaller than the second detection period, the second detection period is smaller than the evaluation period, and N is a preset positive integer;

if the basic data meet the basic data standard, the invoice data meet the invoice evaluation standard, and the tax payment data meet the tax payment evaluation standard, and the operating state of the target enterprise is determined to be good;

and if the basic data, the invoice data and the tax payment data do not accord with at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, determining that the operation state of the target enterprise is bad.

2. The method of claim 1, wherein after obtaining the basic data, the tax payment data and the invoice data of the target enterprise, further comprising:

acquiring tax payment data of upstream and downstream enterprises of the target enterprise;

verifying whether the tax payment data of the upstream and downstream enterprises meet the preset upstream and downstream enterprise standards; the upstream and downstream enterprise standards comprise tax payment records of the upstream and downstream enterprises in the third detection period;

the determining that the operation state of the target enterprise is good includes:

and when the tax payment data of the upstream and downstream enterprises meet the upstream and downstream enterprise standards, determining that the operation state of the target enterprise is good.

3. The method of claim 1, wherein after determining that the business status of the target enterprise is good, further comprising:

and calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

4. The method of claim 3, wherein prior to calculating the estimated loan amount for the target enterprise based on the target enterprise's profile data, tax payment data, and invoice data, further comprising:

judging whether the industry to which the target enterprise belongs to a preset admission-limiting industry table or not;

and if the industry to which the target enterprise belongs to the limited admittance industry table, executing the step of calculating the estimated loan amount of the target enterprise according to basic data, tax payment data and invoice data of the target enterprise.

5. The method of claim 3, wherein prior to calculating the estimated loan amount for the target enterprise based on the target enterprise's profile data, tax payment data, and invoice data, further comprising:

judging whether the registration place of the target enterprise is located in a preset target administrative region or not;

and if the registration place of the target enterprise is located in the target administrative region, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

6. An enterprise operation state evaluation device based on invoice data is characterized by comprising:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring basic data, tax payment data and invoice data of a target enterprise; the invoice data comprises invoice issuing records of the target enterprise in a preset evaluation period;

the verification unit is used for respectively verifying the basic data, the invoice data and the tax payment data and whether the basic data, the invoice data and the tax payment data accord with preset basic data standards, invoice evaluation standards and tax payment evaluation standards;

the basic data standard comprises that the actual operation duration of the target enterprise is greater than or equal to a preset shortest operation duration, the invoice evaluation standard comprises that billing records exist in a first detection period up to now, billing records exist in a second detection period up to now for at least N months, the proportion of abnormal billing records to the billing records in the last two years in the invoice data is smaller than a preset proportion threshold value, the tax payment evaluation standard comprises that tax payment records exist in a third detection period, the first detection period is smaller than the second detection period, the second detection period is smaller than the evaluation period, and N is a preset positive integer;

a determination unit configured to:

if the basic data accords with the basic data standard, the invoice data accords with the invoice evaluation standard, and the tax payment data accords with the tax payment evaluation standard, the operation state of the target enterprise is determined to be good;

and if the basic data, the invoice data and the tax payment data do not accord with at least one of the basic data standard, the invoice evaluation standard and the tax payment evaluation standard, determining that the operation state of the target enterprise is bad.

7. The apparatus according to claim 6, wherein the acquiring unit is further configured to acquire tax payment data of an enterprise downstream of the target enterprise;

the verification unit is further configured to:

verifying whether the tax payment data of the upstream and downstream enterprises meet the preset upstream and downstream enterprise standards; the upstream and downstream enterprise standards comprise tax payment records of the upstream and downstream enterprises in the third detection period;

when the determining unit determines that the operation state of the target enterprise is good, the determining unit is specifically configured to:

and when the tax payment data of the upstream and downstream enterprises meet the upstream and downstream enterprise standards, determining that the operation state of the target enterprise is good.

8. The apparatus of claim 6, further comprising a computing unit to:

and calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

9. The apparatus of claim 8, wherein the computing unit is further configured to:

judging whether the industry to which the target enterprise belongs to a preset admission-limiting industry table or not;

and if the industry to which the target enterprise belongs to the restricted admission industry table, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

10. The apparatus of claim 8, wherein the computing unit is further configured to:

judging whether the registration place of the target enterprise is located in a preset target administrative region or not;

and if the registration place of the target enterprise is located in the target administrative region, executing the step of calculating the estimated loan amount of the target enterprise according to the basic data, the tax payment data and the invoice data of the target enterprise.

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