CN116862642A

CN116862642A - Risk control method, apparatus, electronic device and storage medium

Info

Publication number: CN116862642A
Application number: CN202310738894.3A
Authority: CN
Inventors: 陈远
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-06-20
Filing date: 2023-06-20
Publication date: 2023-10-10

Abstract

The disclosure provides a risk control method, a risk control device, electronic equipment and a storage medium, and relates to the technical field of big data intelligent analysis, wherein the risk control method comprises the following steps: acquiring first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with a third enterprise and fourth enterprise information associated with the first enterprise and the second enterprise, respectively; determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information; determining a target score of the first enterprise according to the first scores on the multiple set risk dimensions, wherein the target score is used for indicating the risk deviation degree of the first enterprise; according to the target score of the first enterprise, risk control is performed on the first enterprise, so that the accuracy of risk assessment of the first enterprise is improved, and the accuracy of risk control on the first enterprise can be improved.

Description

Risk control method, apparatus, electronic device and storage medium

Technical Field

The disclosure relates to the technical field of big data intelligent analysis, in particular to a risk control method, a risk control device, electronic equipment and a storage medium.

Background

Supply chain finance is a business model in which financial institutions (e.g., banks) flexibly employ financial products and services to link core businesses and upstream and downstream businesses together to provide integrated financial product services. Supply chain finances increase the risk of enterprise operations while making enterprise operations more efficient. Because the enterprise scale of chain enterprise on supply chain finance is less, and the strength is weaker, and the profitability is relatively poor, consequently chain enterprise's probability of taking place the risk is higher, consequently, for the purpose of risk precaution, need carry out risk assessment to chain enterprise to carry out risk control to chain enterprise.

At present, in a risk control method of a chain enterprise for supply chain finance, risk control is performed only by considering the risk of the chain enterprise, and the risk of the chain enterprise may not be accurately estimated, so that the risk control cannot be performed on the chain enterprise accurately.

Disclosure of Invention

The present disclosure provides a risk control method, apparatus, electronic device, and storage medium to solve at least one of the technical problems in the related art to some extent. The technical scheme of the present disclosure is as follows:

according to a first aspect of an embodiment of the present disclosure, there is provided a risk control method, including: acquiring first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with the third enterprise and fourth enterprise information associated with the first enterprise and the second enterprise, respectively; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise; determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information; wherein, each first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension; determining a target score of the first enterprise according to a plurality of first scores in the set risk dimension, wherein the target score is used for indicating the risk deviation degree of the first enterprise; and performing risk control on the first enterprise according to the target score of the first enterprise.

In one possible implementation of an embodiment of the disclosure, the plurality of set risk dimensions includes: a first risk dimension associated with the first enterprise, a second risk dimension associated with the second enterprise, a third risk dimension associated with the third enterprise, a fourth risk dimension associated with both the first enterprise and the second enterprise; the determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information includes: determining a first score of the first enterprise in a first risk dimension according to the first enterprise information; determining a first score of the first enterprise in a second risk dimension according to second enterprise information; determining a first score for the first business in a third risk dimension based on the third business score; a first score for the first business in a fourth risk dimension is determined based on the fourth business score.

In one possible implementation of the embodiments of the present disclosure, the first enterprise information includes: first enterprise sub-information corresponding to the plurality of first risk influencing factors and second enterprise sub-information corresponding to the plurality of second risk influencing factors; the determining, according to the first enterprise information, a first score of the first enterprise in the first risk dimension includes: for any first risk influence factor, according to first enterprise sub-information corresponding to any first risk influence factor, inquiring a first set risk table matched with any first risk influence factor to obtain a first sub-score of the first enterprise under any first risk influence factor; the first set risk table comprises a corresponding relation between first enterprise sub-information and a first sub-score; for any second risk influence factor, determining first statistical sub-information corresponding to any second risk influence factor according to second enterprise sub-information corresponding to any second risk influence factor; inquiring a second set risk table matched with any second risk influence factor according to first statistical sub-information corresponding to any second risk influence factor to obtain a second sub-score of the first enterprise under any second risk influence factor; the second set risk table comprises a corresponding relation between statistical sub-information and a second sub-score; and determining a first score of the first enterprise in the first risk dimension according to the first sub-score of the first enterprise under any first risk influence factor and the second sub-score of the first enterprise under any second risk influence factor.

In one possible implementation of the embodiments of the present disclosure, the second enterprise information includes: third enterprise sub-information corresponding to a plurality of third risk impact factors; determining a first score for the first business in a second risk dimension based on the second business information, comprising: aiming at any third risk influence factor, according to the sub-information of a third enterprise corresponding to any third risk influence factor, inquiring a third set risk table matched with any second risk influence factor to obtain a third sub-score of the first enterprise under any third risk influence factor; the third set risk table comprises a corresponding relation between the third enterprise sub-information and a third sub-score; a first score for the first business in the second risk dimension is determined based on each third sub-score.

In one possible implementation of the embodiments of the present disclosure, the third enterprise information includes: a second score for the third business in at least one set risk dimension; determining a first score of the first enterprise in the third risk dimension according to the third enterprise information, including: determining that the third enterprise has a transmission risk for the first enterprise under the condition that a second score of the third enterprise in any set risk dimension is larger than a first set threshold corresponding to any set risk dimension; determining a first score of the first enterprise in the third risk dimension according to a set risk deviation score under the condition that the third enterprise has a transmission risk for the first enterprise; or alternatively, the process may be performed,

According to first set weights of the set risk dimensions, carrying out weighted summation on first scores of the set risk dimensions to determine a risk deviation score of the third enterprise, and determining that the third enterprise has a transmission risk for the first enterprise under the condition that the risk deviation score of the third enterprise is smaller than or equal to a second set threshold value; and under the condition that the third enterprise has a transmission risk to the first enterprise, determining a first score of the first enterprise in the third risk dimension according to a set risk deviation score.

In one possible implementation of the embodiments of the present disclosure, the fourth enterprise information includes: fourth enterprise sub-information corresponding to the plurality of fourth risk impact factors and fifth enterprise sub-information corresponding to the plurality of fifth risk impact factors; determining a first score for the first business in the fourth risk dimension based on the fourth business score, comprising: querying a fourth set risk table matched with any one of the fourth risk influence factors according to fourth enterprise sub-information corresponding to any one of the fourth risk influence factors aiming at any one of the fourth risk influence factors to obtain a fourth sub-score of the first enterprise under any one of the fourth risk influence factors; determining second statistical sub-information corresponding to any fifth risk influence factor according to fifth enterprise sub-information corresponding to any fifth risk influence factor aiming at any fifth risk influence factor; according to the second statistical sub-information corresponding to any fifth risk influence factor, inquiring a fifth set risk table matched with any fifth risk influence factor to obtain a fifth sub-score of the first enterprise under any fifth risk influence factor; and determining a first score of the first enterprise in the fourth risk dimension according to a fourth sub-score of the first enterprise under any of the fourth risk influencing factors and a fifth sub-score of the first enterprise under any of the fifth risk influencing factors.

In one possible implementation of the embodiment of the disclosure, determining the target score of the first enterprise according to the first scores on the plurality of set risk dimensions includes: determining a target score for the first business according to the sum of the first scores on the plurality of set risk dimensions; or, according to second set weights of the set risk dimensions, carrying out weighted summation on the first scores of the set risk dimensions so as to obtain target scores of the first enterprise; or determining the target score of the first enterprise according to the average value of the first scores on the multiple set risk dimensions.

In one possible implementation manner of the embodiment of the present disclosure, performing risk control on the first enterprise according to the target score of the first enterprise includes: determining a target risk level corresponding to the first enterprise from a plurality of set risk levels according to the target score; and performing risk control on the first enterprise according to the wind control strategy corresponding to the target risk level.

According to a second aspect of the embodiments of the present disclosure, there is provided a risk control apparatus including: an acquisition module configured to acquire first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with the third enterprise, and fourth enterprise information associated with the first enterprise and the second enterprise, respectively; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise; a first determining module, configured to determine a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information, and the fourth enterprise information; wherein, each first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension; a second determining module, configured to determine a target score of the first enterprise according to a plurality of first scores in the set risk dimension, where the target score is used to indicate a risk deviation degree of the first enterprise; and the control module is used for controlling the risk of the first enterprise according to the target score of the first enterprise.

According to a third aspect of embodiments of the present disclosure, there is provided an electronic device, comprising: a processor; a memory for storing the processor-executable instructions; wherein the processor is configured to execute the instructions to implement the risk control method according to the above-described embodiments of the present disclosure.

According to a fourth aspect of embodiments of the present disclosure, there is provided a computer readable storage medium, which when executed by a processor of an electronic device, causes the electronic device to perform a risk control method according to the above embodiments of the present disclosure.

According to a fifth aspect of embodiments of the present disclosure, there is provided a computer program product comprising: a computer program which, when executed by a processor, implements a risk control method as described in the above embodiments of the present disclosure.

The technical scheme provided by the embodiment of the disclosure at least brings the following beneficial effects:

by respectively acquiring first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with the third enterprise, and fourth enterprise information associated with the first enterprise and the second enterprise; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise; determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information; wherein, each first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension; determining a target score of the first enterprise according to a plurality of first scores in the set risk dimension, wherein the target score is used for indicating the risk deviation degree of the first enterprise; according to the target score of the first enterprise, risk control is performed on the first enterprise, so that when the risk control is performed on the first enterprise, the risk of the first enterprise is considered, the risk influence of the core enterprise and the non-core enterprise which are in the same supply chain finance with the first enterprise and are associated with the first enterprise on the first enterprise is considered, the accuracy of risk assessment of the first enterprise is improved, and the accuracy of risk control on the first enterprise can be improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the disclosure and together with the description, serve to explain the principles of the disclosure and do not constitute an undue limitation on the disclosure.

FIG. 1 is a diagram of a supply chain financial network provided by an embodiment of the present disclosure.

Fig. 2 is a flow chart of a risk control method according to a first embodiment of the present disclosure.

Fig. 3 is a flow chart of a risk control method according to a second embodiment of the present disclosure.

Fig. 4 is a flow chart of a risk control method according to a third embodiment of the present disclosure.

Fig. 5 is a flow chart of a risk control method according to a fourth embodiment of the present disclosure.

Fig. 6 is a flow chart of a risk control method according to a fifth embodiment of the present disclosure.

Fig. 7 is a flowchart of a risk control method according to an embodiment of the disclosure.

Fig. 8 is a schematic diagram of a chain enterprise risk assessment process according to an embodiment of the present disclosure.

Fig. 9 is a schematic diagram of an associated risk assessment process of a chain enterprise according to an embodiment of the disclosure.

Fig. 10 is a schematic diagram of a related risk assessment process of a core enterprise according to an embodiment of the disclosure.

Fig. 11 is a schematic structural view of a risk control device shown in a sixth embodiment of the present disclosure.

Fig. 12 is a schematic structural view of an electronic device according to an exemplary embodiment of the present disclosure.

Detailed Description

In order to enable those skilled in the art to better understand the technical solutions of the present disclosure, the technical solutions of the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.

It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the foregoing figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the disclosure described herein may be capable of operation in sequences other than those illustrated or described herein. The implementations described in the following exemplary examples are not representative of all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present disclosure as detailed in the accompanying claims.

It should be noted that, in the technical scheme of the present disclosure, the acquisition, storage, use, processing, etc. of the data all conform to the relevant regulations of the national laws and regulations.

In contrast to the conventional financial model, as shown in fig. 1, the supply chain finance forms a complex network composed of numerous management activities and various relationships through the coordination and integration of multi-stream information such as funds stream, logistics, information stream, business stream, etc. At present, a risk assessment method for chain enterprises in supply chain finance has limitations generally, is lack of comprehensiveness, mainly focuses on considering the traditional risks of the chain enterprises, and although some methods also consider the associated risks between the chain enterprises and core enterprises and the transmission risks between the chain enterprises, the method is simple and one-sided assessment, most methods do not fully consider the influence of the associated risks of the chain enterprises corresponding to the core enterprises on the risks of the chain enterprises, so that a certain deviation exists in the final risk assessment result, and at the same time, most methods do not quantitatively calculate the risks, only stay on rough subjective assessment, so that the risks of the chain enterprises cannot be accurately assessed, and risk control cannot be accurately performed on the chain enterprises.

In view of the foregoing, the present disclosure proposes a risk control method, apparatus, electronic device, and storage medium.

The risk control method, apparatus, electronic device, and storage medium of the embodiments of the present disclosure are described below with reference to the accompanying drawings. Fig. 2 is a flow chart of a risk control method according to a first embodiment of the present disclosure.

The embodiment of the disclosure is exemplified in that the risk control method is configured in a risk control device, and the risk control device can be applied to any electronic equipment, so that the electronic equipment can execute a risk control function.

The electronic device may be any device with computing capability, for example, may be a personal computer, a mobile terminal, a server, etc., and the mobile terminal may be, for example, a vehicle-mounted device, a mobile phone, a tablet computer, a personal digital assistant, a wearable device, etc., which have various operating systems, touch screens, and/or display screens.

As shown in fig. 2, the risk control method may include the following steps S21 to S24.

In step S21, first business information associated with the first business, second business information associated with the second business, third business information associated with the third business, and fourth business information associated with the first business and the second business are acquired, respectively.

Wherein the second enterprise is a core enterprise at the same supply chain finance as the first enterprise, and the third enterprise is a non-core enterprise at the same supply chain finance as the first enterprise.

As an example, first business information associated with a first business may be obtained from a website of the first business or a website associated with the first business, second business information associated with a second business may be obtained from a network of the second business or a website associated with the second business, and similarly third business information associated with a third business may be obtained from a website of the first business or a website associated with the first business, and fourth business information associated with the first business and the second business may be obtained from a website of the first business, a website of the second business, and a website associated with the first business and the second business.

As another example, first business information associated with a first business, second business information associated with a second business, third business information associated with a third business, and fourth business information associated with the first business and the second business, respectively, may be obtained from a database that provides business information queries.

It should be noted that, the second enterprise is a core enterprise in the same supply chain finance as the first enterprise, and the third enterprise is a non-core enterprise in the same supply chain finance as the first enterprise.

In step S22, a first score of the first business over a plurality of set risk dimensions is determined based on the first business information, the second business information, the third business information, and the fourth business information.

The first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension.

To improve accuracy of risk control, in embodiments of the present disclosure, a first score for a first business over a plurality of set risk dimensions may be determined based on the first business information, the second business information, the third business information, and the fourth business information. Wherein the plurality of set risk dimensions includes: a first risk dimension associated with the first enterprise, a second risk dimension associated with the second enterprise, a third risk dimension associated with the third enterprise, and a fourth risk dimension associated with both the first enterprise and the second enterprise.

It should be noted that, the first score is used to indicate the risk deviation degree of the first enterprise in the corresponding set risk dimension, that is, the higher the first score, the lower the risk of the first enterprise in the corresponding set risk dimension.

In step S23, a target score for the first business is determined based on the first scores in the plurality of set risk dimensions.

Wherein the goal score is used to indicate a degree of risk deviation for the first business.

That is, in order to improve the accuracy of risk control of the first enterprise, not only the risk of the first enterprise itself, but also the risk influence of the core enterprise and the non-core enterprise, which are in the same supply chain finance as the first enterprise and are associated with each other, on the first enterprise, that is, the target score of the first enterprise is determined together according to the first scores in the multiple set risk dimensions.

It should be noted that, the target score is used to indicate the risk deviation degree of the first enterprise, that is, the higher the target score, the lower the risk level of the first enterprise. For example, when the target score is within [0,40), the target risk rating is higher, when the target score is within [40, 60), the target risk rating is medium, when the target score is within [60, 80), the target risk rating is lower, and when the target score is within [80,100], the target risk rating is very low.

In step S24, risk control is performed on the first enterprise according to the target score of the first enterprise.

In the embodiment of the disclosure, risk control may be performed on the first enterprise according to the target score. For example, the operation authority of the first business may be adjusted, the transfer amount of the first business may be adjusted, the number of transfers of the first business may be adjusted, and the like, according to the target score.

To sum up, by respectively acquiring first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with a third enterprise, and fourth enterprise information associated with the first enterprise and the second enterprise; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise; determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information; the first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension; determining a target score of the first enterprise according to the first scores on the multiple set risk dimensions, wherein the target score is used for indicating the risk deviation degree of the first enterprise; according to the target score of the first enterprise, risk control is performed on the first enterprise, so that when the risk control is performed on the first enterprise, the risk of the first enterprise is considered, the risk influence of a core enterprise and a non-core enterprise which are in the same supply chain finance and are associated with the first enterprise on the first enterprise is considered, the accuracy of risk assessment of the first enterprise is improved, and the accuracy of risk control on the first enterprise can be improved.

To clearly illustrate how the first score of the first business in the plurality of set risk dimensions is determined based on the first business information, the second business information, the third business information, and the fourth business information in the above embodiments, the present disclosure proposes another risk control method.

As shown in fig. 3, the risk control method may include the following steps S31 to S37:

in step S31, first business information associated with a first business, second business information associated with a second business, third business information associated with a third business, and fourth business information associated with the first business and the second business are acquired, respectively.

In step S32, a first score of the first business in a first risk dimension is determined based on the first business information.

As an example, according to the first enterprise information, the corresponding risk table is queried to obtain a first score of the first enterprise in a first risk dimension.

As another example, a score prediction is performed on the first business information in a first risk dimension to obtain a first score for the first business in the first risk dimension based on employing the first predictive model.

It should be noted that, the first score of the first enterprise in the first risk dimension may be used to indicate a risk deviation degree of the first enterprise in the first risk dimension, and the first risk dimension may be used to indicate a risk dimension of the first enterprise.

In step S33, a first score of the first business in a second risk dimension is determined based on the second business information.

As an example, according to the second enterprise information, the corresponding risk table is queried to obtain a first score of the first enterprise in the second risk dimension.

As another example, score predictions are made for the first business information in a second risk dimension based on employing a second predictive model to obtain a first score for the first business in the second risk dimension.

It should be noted that, the first score of the first enterprise in the second risk dimension may be used to indicate a risk deviation degree of the first enterprise in the second risk dimension, and the second risk dimension may be used to indicate a risk dimension associated with the core enterprise associated with the first enterprise.

In step S34, a first score of the first business in a third risk dimension is determined based on the third business information.

As an example, according to the third enterprise information, the corresponding risk table is queried to obtain a first score of the first enterprise in a third risk dimension.

As another example, score predictions in a third risk dimension are made for the first business information based on employing a third predictive model to obtain a first score for the first business in the third risk dimension.

The first score of the first enterprise in the third risk dimension may be used to indicate a risk deviation degree of the first enterprise in the third risk dimension, and the third risk dimension may be used to indicate a dimension in which a non-core enterprise associated with the first enterprise communicates a risk to the first enterprise.

In step S35, a first score of the first business in a fourth risk dimension is determined based on the fourth business information.

As an example, according to the fourth enterprise information, the corresponding risk table is queried to obtain a first score for the first enterprise in a fourth risk dimension.

As another example, score predictions in a fourth risk dimension are made for the first business information based on employing a fourth predictive model to obtain a first score for the first business in the fourth risk dimension.

The first score of the first enterprise in the fourth risk dimension may be used to indicate a risk deviation degree of the first enterprise in the fourth risk dimension, and the fourth risk dimension may be used to indicate a dimension of risk associated with both the first enterprise and the second enterprise.

In step S36, a target score for the first business is determined based on the first scores over the plurality of set risk dimensions.

In step S37, risk control is performed on the first enterprise according to the target score of the first enterprise.

It should be noted that, the execution process of steps S31 and S36 to S37 may be implemented in any manner in each embodiment of the disclosure, which is not limited to this embodiment, and is not repeated.

In summary, determining a first score for the first business in a first risk dimension by based on the first business information; determining a first score of the first enterprise in a second risk dimension according to the second enterprise information; determining a first score of the first enterprise in a third risk dimension according to the third enterprise information; according to the fourth enterprise information, a first score of the first enterprise in the fourth risk dimension is determined, and therefore the first score of the first enterprise in each risk dimension can be effectively determined.

To clearly illustrate how the above-described embodiments determine a first score for a first business in a first risk dimension based on first business information, the present disclosure proposes another risk control method.

As shown in fig. 4, the risk control method may include the following steps S41 to S410:

in step S41, first business information associated with the first business, second business information associated with the second business, third business information associated with the third business, and fourth business information associated with the first business and the second business are acquired, respectively.

In step S42, for any first risk influencing factor, according to the first enterprise sub-information corresponding to any first risk influencing factor, a first set risk table matched with any first risk influencing factor is queried to obtain a first sub-score of the first enterprise under any first risk influencing factor.

The first set risk table comprises a corresponding relation between the first enterprise sub-information and the first sub-score.

In an embodiment of the present disclosure, the first enterprise information associated with the first enterprise may include first enterprise sub-information corresponding to a plurality of first risk impact factors and second enterprise sub-information corresponding to a plurality of second risk impact factors.

For example, the plurality of first risk influencing factors may include: the tax rating of the first enterprise, the credit record of the first enterprise, whether the first enterprise opens a basic account or not, etc., the first enterprise sub-information corresponding to the tax rating of the first enterprise is the tax rating value (e.g., class a) of the first enterprise, the first enterprise sub-information corresponding to the credit record of the first enterprise is the credit record information of the first enterprise (e.g., the total number of the first enterprise already established or not established normal account is > =2 and the number of bad and concerned accounts is=0), and the first enterprise sub-information corresponding to whether the first enterprise opens a basic account is a specific case of opening a basic account, e.g., the first enterprise opens a basic account or the first enterprise does not open a basic account. Further, according to the tax rate value of the first enterprise, a first set risk table matched with the tax rate can be queried to obtain a first sub-score of the first enterprise under the tax rate; according to the credit record information of the first enterprise, a first set risk table matched with the credit record of the first enterprise can be queried to obtain a first sub-score of the first enterprise in the credit record; and similarly, according to the specific situation of the basic account opening of the first enterprise, inquiring a corresponding first set risk table to obtain a first sub-score of the first enterprise under the condition of whether the basic account opening is carried out.

In step S43, for any second risk influencing factor, according to the second enterprise sub-information corresponding to any second risk influencing factor, the first statistical sub-information corresponding to any second risk influencing factor is determined.

In an embodiment of the present disclosure, the plurality of second risk influencing factors may include a income of the first corporation and a waste amount (revocation amount) of the first corporation, wherein the second corporation sub-information corresponding to the income of the first corporation may be an amount of the invoices corresponding to annual income of the first corporation (e.g., an amount of the invoices corresponding to an upper half year of the year 2022 of the first corporation is 2 tens of millions), and the first statistical sub-information corresponding to the income of the first corporation may be an average of the amounts of the invoices for a first set period of time (e.g., 6 months).

For example, the average value of the amount of the first business in the first half year 2022 can be calculated from the total income from 1 month to 6 months in 2022, and similarly, the average value of the amount of the first business in the first half year 2021 can be calculated from the total income from 1 month to 6 months in 2021, and the average value of the amount of the first business in the first half year 2022 can be compared with the average value of the amount of the first business in the first half year 2021, so that the average value of the amount of the first business in the first half year can be obtained.

The second enterprise sub-information corresponding to the waste ticket amount of the first enterprise may be a waste ticket amount value of the first enterprise, and the first statistical sub-information corresponding to the waste ticket amount of the first enterprise may be a waste ticket amount month variation coefficient in a second set period.

For example, the value of the first business's waste ticket amount per month in 2022 is determined based on the total value of the first business's waste ticket amount per month in 2022 from 1 month to 12 months in 2022, and similarly, the value of the first business's waste ticket amount per month in 2021 is determined based on the total value of the first business's waste ticket amount per month in 2021, and further, the coefficient of variation of the first business's waste ticket amount per month in 2022 can be determined based on the ratio of the first business's waste ticket amount per month in 2022 to the first business's waste ticket amount per month in 2021.

In step S44, according to the first statistical sub-information corresponding to any one of the second risk influencing factors, a second set risk table matched with any one of the second risk influencing factors is queried to obtain a second sub-score of the first enterprise under any one of the second risk influencing factors.

The second set risk table comprises a corresponding relation between the statistical sub-information and the second sub-score.

For example, according to the average value of the billing amount per month of the first enterprise in the last half year 2022, the corresponding second set risk table is queried, and the second sub-score of the first enterprise under the income of the first enterprise can be obtained.

For another example, according to the monthly variation coefficient of the waste ticket amount of the first enterprise in each month of 2022, the corresponding second set risk table is queried, and the second sub-score of the first enterprise under the waste ticket amount can be obtained.

In step S45, a first score of the first enterprise in the first risk dimension is determined based on the first sub-score of the first enterprise under any of the first risk impact factors and the second sub-score of the first enterprise under any of the second risk impact factors.

As an example, adding the first sub-score of the first enterprise at any first risk impact factor and the second sub-score at any second risk impact factor may result in a first score of the first enterprise in the first risk dimension.

As another example, according to the first set weight corresponding to any first risk influence factor and the second set weight corresponding to any second risk influence factor, the first sub-score under any first risk influence factor and the second sub-score under any second risk influence factor are weighted and summed to obtain the first score of the first enterprise in the first risk dimension.

In step S46, a first score of the first business in a second risk dimension is determined based on the second business information.

As one example, the second enterprise information includes: for any third risk influence factor, inquiring a third set risk table matched with any second risk influence factor according to the third enterprise sub information corresponding to any third risk influence factor to obtain a third sub value of the first enterprise under any third risk influence factor; the third set risk table comprises a corresponding relation between the third enterprise sub-information and a third sub-score; a first score for the first business in the second risk dimension is determined based on each third sub-score.

In an embodiment of the present disclosure, the plurality of third risk influencing factors may include: and when the third risk influence factor is the credit rating of the core enterprise at the bank, the corresponding third enterprise sub-information is the credit rating value (for example, 1-3 level) of the core enterprise at the bank, and further, according to the credit rating value of the core enterprise at the bank, the corresponding third set risk table is queried to obtain a third sub-score of the first enterprise at the bank credit rating of the core enterprise.

When the third risk impact factor is the local government credit rating of the core enterprise, the third enterprise sub-information is the local government credit rating value (e.g., level 1-3) of the core enterprise, and further, the corresponding third set risk table is queried according to the local government credit rating value of the core enterprise, so as to obtain a third sub-score of the first enterprise under the local government credit rating.

Further, a first score for the first business in the second risk dimension may be determined based on a third sub-score for the first business under the banking credit rating of the core business and a third sub-score for the first business under the local government credit rating.

As one example, a sum of a third sub-score of the first business under the banking credit rating of the core business and a third sub-score of the first business under the local government credit rating is taken as a first score of the first business in the second risk dimension.

As another example, a third sub-score of the first business under the banking credit rating of the core business and a third sub-score of the first business under the local government credit rating are weighted together using the third set weight and the fourth set weight to obtain a first score of the first business in the second risk dimension.

In step S47, a first score for the first business in a third risk dimension is determined based on the third business score.

In step S48, a first score for the first business in a fourth risk dimension is determined based on the fourth business score.

In step S49, a target score for the first business is determined based on the first scores in the plurality of set risk dimensions.

In step S410, risk control is performed on the first enterprise according to the target score of the first enterprise.

It should be noted that, the execution process of steps S41 and S47 to S410 may be implemented in any manner in each embodiment of the disclosure, which is not limited to this embodiment, and is not repeated.

In summary, according to any first risk influence factor, according to first enterprise sub-information corresponding to any first risk influence factor, a first set risk table matched with any first risk influence factor is queried to obtain a first sub-score of the first enterprise under any first risk influence factor; for any second risk influence factor, determining first statistical sub-information corresponding to any second risk influence factor according to second enterprise sub-information corresponding to any second risk influence factor; inquiring a second set risk table matched with any second risk influence factor according to the first statistical sub-information corresponding to any second risk influence factor to obtain a second sub-value of the first enterprise under any second risk influence factor; according to the first sub-score of the first enterprise under any first risk influence factor and the second sub-score of the first enterprise under any second risk influence factor, the first score of the first enterprise in the first risk dimension is determined, therefore, according to the enterprise sub-information corresponding to each risk influence factor of the first enterprise, the set risk table matched with each influence factor is queried, the score of the first enterprise under each risk influence factor can be accurately determined, and according to the score of the first enterprise under each risk influence factor, the first score of the first enterprise in the first risk dimension can be accurately determined.

To clearly illustrate how the first score of the first business in the third risk dimension is determined based on the third business information in the above embodiments, the present disclosure proposes another risk control method.

As shown in fig. 5, the risk control method may include the following steps S51 to S58:

in step S51, first business information associated with the first business, second business information associated with the second business, third business information associated with the third business, and fourth business information associated with the first business and the second business are acquired, respectively.

In step S52, a first score for the first business in a first risk dimension is determined based on the first business information.

In step S53, a first score of the first business in the second risk dimension is determined based on the second business information.

In step S54, if the second score of the third enterprise in any set risk dimension is greater than the first set threshold corresponding to any set risk dimension, it is determined that the third enterprise has a risk of transferring to the first enterprise.

In an embodiment of the present disclosure, the third enterprise information includes: a second score for the third business in at least one set risk dimension. The at least one set risk dimension may be at least one of a first set risk dimension, a second set risk dimension, and a fourth set risk dimension, and the second score of the third enterprise in the first set risk dimension, the second set risk dimension, and the fourth set risk dimension may refer to the same calculation manner of the first score of the first enterprise in the first set risk dimension, the second set risk dimension, and the fourth set risk dimension in the embodiment of the present disclosure, which is not described herein.

As an example, in a case where the second score of the third enterprise in any set risk dimension is greater than the first set threshold corresponding to any set risk dimension, it is determined that the third enterprise has a risk of transferring to the first enterprise.

As another example, the first scores over the plurality of set risk dimensions are weighted together according to a first set weight for at least one set risk dimension to determine a risk deviation score for the third business, and in the event that the risk deviation score for the third business is less than or equal to a second set threshold, the third business is determined to be at risk of delivering to the first business.

In step S55, in the case where the third enterprise has a transfer risk to the first enterprise, a first score of the first enterprise in the third risk dimension is determined according to the set risk deviation score.

As an example, in the event that a third enterprise presents a transfer risk to the first enterprise, a set risk deviation score (e.g., -5 points) may be used as the first score for the first enterprise in the third risk dimension.

As another example, in the event that a third business has a transfer risk to the first business, a set risk deviation score of a set multiple may be used as the first score of the first business in the third risk dimension.

In step S56, a first score for the first business in a fourth risk dimension is determined based on the fourth business score.

As one example, the fourth business information includes: for any one of the fourth risk influencing factors, for example, the fourth risk influencing factors may include: the third risk influence factors include: the bid-winning period of the first enterprise, the number of bid-winning times of the first enterprise and the bid-winning amount of the first enterprise.

As an example, according to the sub-information of the fourth enterprise corresponding to any fourth influence factor, querying a fourth set risk table matched with any fourth risk influence factor to obtain a fourth sub-score of the first enterprise under any fourth risk influence factor; determining second statistical sub-information corresponding to any fifth risk influence factor according to the fifth enterprise sub-information corresponding to any fifth risk influence factor aiming at any fifth risk influence factor; inquiring a fifth set risk table matched with any fifth risk influence factor according to second statistical sub-information corresponding to any fifth risk influence factor so as to obtain a fifth sub-score of the first enterprise under any fifth risk influence factor; and determining a first score of the first enterprise in a fourth risk dimension according to the fourth sub-score of the first enterprise under any fourth risk influence factor and the fifth sub-score of the first enterprise under any fifth risk influence factor.

For example, according to the cooperative annual limit value (e.g. 5 years) of the first enterprise and the core enterprise, the activity level or the compactness of the core enterprise on the first enterprise or the ranking evaluation of the transaction amount (e.g. class a), the secondary value or the proportion value of the first enterprise for generating the default dispute and the comprehensive ranking evaluation (e.g. class B) of the core enterprise on the first enterprise, a corresponding fourth set risk table is queried to obtain a fourth sub-score of the first enterprise under any fourth risk influence factor; for another example, the period (second statistics sub-information) of continuous bid-winning of the first enterprise in the same province can be determined according to the bid-winning period of the first enterprise, the average bid-winning number of the first enterprise in the last three years (second statistics sub-information) can be determined according to the bid-winning number of the first enterprise, the average bid-winning number of the first enterprise in the same province in the last three years can be determined according to the bid-winning amount of the first enterprise, and further, the corresponding fifth set risk table is queried according to the period of continuous bid-winning of the first enterprise in the same province, the average bid-winning number of the last three years and the average bid-winning amount of the last three years in the same province, so as to obtain the fifth sub-score of the first enterprise under the corresponding fifth risk influence factor.

In step S57, a target score for the first business is determined based on the first scores in the plurality of set risk dimensions.

In step S58, risk control is performed on the first enterprise according to the target score of the first enterprise.

It should be noted that the execution processes of steps S51 to S53 and steps S57 to S58 may be implemented in any manner in each embodiment of the disclosure, which is not limited and not repeated herein.

In summary, determining that the third enterprise has a transfer risk to the first enterprise under the condition that the second score of the third enterprise in any set risk dimension is greater than a first set threshold corresponding to any set risk dimension; under the condition that the third enterprise has a transfer risk to the first enterprise, determining a first score of the first enterprise in a third risk dimension according to the set risk deviation score, and therefore, when the third enterprise has a transfer risk to the first enterprise, determining the first score of the first enterprise in the third risk dimension according to the set risk deviation score, and accordingly, when determining a target score of the first enterprise, considering the transfer risk of the third enterprise to the first enterprise, improving the accuracy of the target score and improving the accuracy of risk control of the first enterprise.

In order to clearly illustrate how the first enterprise is risk-controlled according to the target score of the first enterprise in the above embodiment, the present disclosure proposes another risk control method.

As shown in fig. 6, the risk control method may include the following steps S61 to S65:

in step S61, first business information associated with the first business, second business information associated with the second business, third business information associated with the third business, and fourth business information associated with the first business and the second business are acquired, respectively.

In step S62, a first score of the first business over a plurality of set risk dimensions is determined based on the first business information, the second business information, the third business information, and the fourth business information.

In step S63, a target score for the first business is determined based on the first scores in the plurality of set risk dimensions.

In step S64, a target risk level corresponding to the first enterprise is determined from the plurality of set risk levels according to the target score.

In the embodiments of the present disclosure, the risk level may be preset. For example, the risk level may be set to level a, level B, level C, level D; as another example, the risk level may be set to four levels, very low, medium, and high.

Any of the plurality of set risk levels may have a corresponding target score range.

As an example, when the target score is within [0,40), the target risk rating is higher, when the target score is within [40, 60), the target risk rating is medium, when the target score is within [60, 80), the target risk rating is lower, and when the target score is within [80,100], the target risk rating is very low.

As another example, when the target score is within [0, 50), the target risk level is D, when the target score is within [50, 70), the target risk level is C, when the target score is within [70, 90), the target risk level is B, and when the target score is within [90,100], the target risk level is A.

In step S65, risk control is performed on the first enterprise according to the wind control policy corresponding to the target risk level.

For example, for a first enterprise with a very low target risk level, the level of the operation authority of the first enterprise can be improved, the first enterprise is awarded, and the winning rate of the lottery drawing activity is improved; for a first enterprise with a lower target risk level, a first enterprise may be awarded a prize; a penalty may be given to the first enterprise with a target risk level of medium; for a first enterprise with a higher target risk level, the level of operational rights of the first enterprise may be reduced, penalized, and the first enterprise account frozen.

For another example, for a first enterprise with a target risk level of class a, the level of the operation authority of the first enterprise may be increased, and the first enterprise may be awarded and the winning rate of the lottery activity may be increased; for a first enterprise with a target risk level of B, a first enterprise reward can be given; for a first enterprise with a target risk level of C, the level of the operation authority of the first enterprise can be reduced, and punishment is given; for a target user with a target risk level of D, the level of operational authority of the first enterprise may be reduced, penalized, and the first enterprise account frozen.

It should be noted that, the above examples of the division of the risk levels and the target score ranges corresponding to the risk levels are only exemplary, and in practical applications, the risk levels may be divided and the target score ranges corresponding to the risk levels may be set according to the practical requirements and the application scenarios.

It should be noted that, the execution process of steps S61 to S63 may be implemented in any manner in each embodiment of the disclosure, which is not limited to this embodiment, and is not repeated.

In summary, determining a target risk level corresponding to the first enterprise from a plurality of set risk levels according to the target score; according to the wind control strategy corresponding to the target risk level, risk control is performed on the first enterprise, so that risks of combining a plurality of set risk dimensions can be realized, risk control is performed on the target client, and comprehensiveness and accuracy of risk control can be improved.

In order to clearly illustrate the above embodiments, an example will now be described.

As shown in fig. 7, fig. 7 is a flowchart of a risk control method according to an embodiment of the disclosure.

In fig. 7, when performing risk control on the first enterprise, not only the risk (conventional risk) of the chain enterprise (first enterprise) is considered, but also the associated risk between the chain enterprise and the core enterprise (second enterprise) is considered, the transmission risk of the chain enterprise (third enterprise) associated with the chain enterprise is also considered, and the related risk (second risk dimension) of the chain enterprise corresponding to the core enterprise is also considered, and meanwhile, the risk (risk in the first risk dimension), the transmission risk (risk in the third risk dimension), the associated risk (risk in the fourth risk dimension) and the related risk (risk in the second risk dimension) of the core enterprise are quantized to form a supply chain enterprise risk score calculation formula, and the final risk score of the chain enterprise is obtained by calculating the sum of the four risk scores, wherein the higher the final risk score is, the smaller the corresponding risk.

The chain enterprise own risk (conventional risk) evaluation process is shown in fig. 8. Five factors of tax rate, income capability, credit record, waste ticket amount and basic user opening condition of chain enterprises are mainly considered when the traditional risk assessment is carried out. The tax rate (first risk influence factor) may be queried from the tax administration website to obtain the tax rate value of the chain enterprise as "a level", "non-a level and non-D level" or "D level", and query the corresponding first set risk table according to the tax rate value of the chain enterprise, as shown in table 1, i.e. according to the tax rate value of the chain enterprise, the corresponding relationship between the tax rate of the chain enterprise and the first score in the first set risk table is queried, so as to obtain the first score corresponding to the tax rate.

TABLE 1 correspondence between tax rate and first score for chain enterprises

Tax rate of chain enterprise	First score
		Class A	10
non-A and non-D stage	5
		Class D	0

The tax rate of "class a" is higher than that of "class D", and the higher the tax rate, the higher the corresponding first score.

The first score corresponding to the income capability is evaluated by calculating the average value of the ring ratio of the amount of the invoices of the chain enterprises for nearly 6 months, and then, according to the average value of the ring ratio of the amount of the invoices of the chain enterprises for nearly 6 months, the corresponding first set risk table is queried, as shown in table 2, namely, according to the average value of the ring ratio of the amounts of the invoices of the chain enterprises for nearly 6 months, the corresponding relation between the average value of the ring ratio of the amounts of the invoices of the chain enterprises for nearly 6 months and the first score in the first set risk table is queried, so as to obtain the first score corresponding to the income capability;

TABLE 2 correspondence between the average of the ring ratios of the amounts billed to the first molecules for the near 6 months for chain enterprises

Ring ratio average of billing amount for chain enterprises in approximately 6 months	First score
		>＝1.5	10
[1.2,1.5)	8
		[0.9,1.2)	6
[0.6,0.9)	4
		[0.3,0.6)	2

The method is characterized in that the first score corresponding to the higher the average value of the ring of the amount of invoices of the chain enterprise in the near 6 months is higher; the first score corresponding to the credit record is evaluated by calculating whether the chain enterprise has loans and bad records in the financial institutions, as shown in table 3, i.e. according to whether the chain enterprise has loans and bad records in the financial institutions, inquiring the corresponding first set risk table to obtain the first score corresponding to the chain enterprise in the credit record;

TABLE 3 correspondence between financial institution loans and bad records and first molecules for chain enterprises

The lower the loan and the poor record, the higher the corresponding first score.

The first score corresponding to the waste ticket amount can be evaluated by calculating the month variation coefficient of the waste ticket amount of the chain enterprise for 12 months, namely, according to the month variation coefficient of the waste ticket amount of the chain enterprise for 12 months, the first set risk table corresponding to the waste ticket amount is queried, the first score corresponding to the waste ticket amount of the chain enterprise can be obtained, wherein the first set risk table corresponding to the waste ticket amount can be shown in table 4,

TABLE 4 correspondence between the coefficient of variation of the approximately 12 month waste ticket amount and the first score for chain enterprises

Chain enterprises approximately 12 months waste ticket amount month variation coefficient	First score
		>＝0.7	10
[0.5,0.7)	8
		[0.3,0.5)	6
[0.2,0.3)	4
		[0.1,0.2)	2

The first score corresponding to the higher the monthly variation coefficient value of the waste ticket amount of the chain enterprise in the last 12 months is also higher.

The first score corresponding to the basic account opening condition is evaluated by whether the chain enterprise opens the basic account at the bank, that is, the first set risk table corresponding to the basic account opening condition of the chain enterprise is queried according to the basic account opening condition of the chain enterprise to obtain the first score corresponding to the basic account opening condition of the chain enterprise, wherein the first set risk table corresponding to the basic account opening condition can be shown in table 5,

table 5 correspondence between basic user opening conditions and first scores

Basic account opening situation	First score
		Is that	5
Whether or not	0

The first score corresponding to the chain enterprise where the base user has been opened at the bank is higher.

The associated risk assessment process for a chain enterprise is shown in fig. 9. When the associated risk assessment is carried out, seven factors including the cooperation period of the chain enterprises and the core enterprises, the stability of the core chain relationship, the record of disputes, the comprehensive evaluation of the core enterprises, the continuous winning bid period, the average winning bid number of the last three years and the average winning bid amount of the last three years are mainly considered. The risk scores corresponding to the years of collaboration are evaluated by calculating the years of collaboration of the chain enterprise and the core enterprise, wherein the scores corresponding to the longer the years of collaboration are higher as shown in table 6;

TABLE 6 correspondence between the collaboration years of chain enterprises and core enterprises and the first score

Chain enterprise and core enterpriseAge of work	First score
		>=3 years	10
[2, 3) year	8
		[1, 2) year	6
(0, 1) year	4
		0 year of	2

As shown in table 7, the risk score corresponding to the stability of the core chain relationship is evaluated by ranking the core enterprise's liveness or closeness or transaction amount to the chain enterprise.

Table 7 correspondence between the activity or closeness of the core enterprise to the chain enterprise or the trade rank evaluation and the first score

The ranking evaluation was classified into A, B, C, D, E, with the highest evaluation level of a and the lowest evaluation level of E, and the scores corresponding to the higher the evaluation levels were higher as the evaluation levels corresponding to a to E were sequentially decreased.

As shown in tables 8 and 9, the risk score corresponding to the dispute record is evaluated by calculating the number or proportion of disputes that occur in the chain enterprise over the last year, and the score corresponding to the lower the number or proportion of disputes that occur is higher.

Table 8 correspondence between the number of times a annual chain enterprise has a dispute and the first score

The number of times of disputes happened to the last year chain enterprise	First score
		<1 time	10
[1, 3) times	5
		>=3 times	0

Table 9 correspondence between the first score and the proportion of disputes that occurred in one year chain business

Proportion of disputes happened to chain enterprises in last year	First score
		<1％	10
[1％,10％)	5
		>＝10％	0

As shown in table 10, the risk score corresponding to the core enterprise comprehensive evaluation is evaluated by the comprehensive ranking evaluation of the core enterprise on the chain enterprise, the ranking evaluation is classified into A, B, C and below, the evaluation grade of a is highest, the evaluation grade of C and below is lowest, the evaluation grades corresponding to a to C and below are sequentially reduced, and the score corresponding to the higher the evaluation grade is higher.

Table 10 correspondence between comprehensive ranking evaluation of core enterprises on chain enterprises and first score

Comprehensive ranking evaluation of core enterprises on chain enterprises	First score
		A	10
B	5
		C and below	0

As shown in table 11, the risk score corresponding to the continuous winning bid period is evaluated by the period of the continuous winning bid in the same province by the chain enterprise, and the score corresponding to the longer the continuous winning bid period is, the higher the number of continuous winning bid periods is.

Table 11 correspondence between years and first scores for successive winning of a link chain enterprise in the same province

Years of continuous winning bid in same province by chain enterprises	First score
		>=3 years	10
>=2 years	8
		>=1 year	6
0	4

As shown in table 12, the risk score corresponding to the average number of winning turns in the last three years is evaluated by the average number of winning turns in the last three years of the chain enterprise, and the score corresponding to the higher average number of winning turns in the last three years is higher.

Table 12 correspondence between the average number of winning bid in the last three years and the first score for a chain enterprise

Average winning number of near three years for chain enterprises	First score
		>=3 times	10
>=2 times	8
		>=1 times	6
0	4

As shown in table 13, the risk score corresponding to the average winning bid rank of the last three years is evaluated by the average winning bid rank of the same province in the last three years of the chain business, and the higher the corresponding score is the higher the average winning bid rank is.

TABLE 13 correspondence between average bid amount rank and first score in the same province for near three years for chain enterprises

Average winning amount ranking in the same province for chain enterprises in last three years	First score
		<＝30％	10
(30％，50％]	8
		(50％，70％]	6
>70％	4

The associated risk assessment process for the core enterprise is shown in fig. 10. Two factors, the core enterprise credit rating and the local government credit rating, are mainly considered in the core enterprise related risk assessment.

As shown in Table 14, the risk scores corresponding to the credit ratings of the core enterprises are evaluated by the credit ratings of the core enterprises at the banks, the credit ratings are classified into 1-3, 4-5, 6 and 7, the credit rating of 1-3 is highest, the credit rating of 7 is lowest, the credit ratings corresponding to 1-3 to 7 are sequentially reduced, and the score corresponding to the higher credit rating is higher.

Table 14 core Enterprise correspondence between Bank credit ratings and first scores

Credit rating of core enterprise at bank	First score
		1-3 grade	25
4-5 grade	20
		Grade 6	15
Level 7	10

As shown in Table 15, the risk scores corresponding to local government credit ratings are evaluated by local government credit ratings of chain enterprises corresponding to core enterprises, the credit ratings being rated 1-3, 4-5, 6 and below, the credit rating of 1-3 being highest, the credit rating of 6 and below being lowest, the corresponding credit ratings of 1-3 to 6 and below decreasing in sequence.

Table 15 correspondence between government credit ratings and first scores at the location of the core business

Government credit rating at the location of the core corporation	First score
		1-3 grade	20
4-5 grade	15
		Grade 6 and below	10

Corresponding to the risk control method provided by the embodiments of fig. 1 to 10, the present disclosure further provides a risk control method apparatus, and since the risk control apparatus provided by the embodiments of the present disclosure corresponds to the risk control method provided by the embodiments of fig. 1 to 10, the implementation of the risk control method is also applicable to the risk control method apparatus provided by the embodiments of the present disclosure, and will not be described in detail in the embodiments of the present disclosure.

Referring to fig. 11, the risk control apparatus 1100 may include: an acquisition module 1110, a first determination module 1120, a second determination module 1130, and a control module 1140.

The acquiring module 1110 is configured to acquire first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with a third enterprise, and fourth enterprise information associated with the first enterprise and the second enterprise, respectively; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise; a first determining module 1120, configured to determine a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information, and the fourth enterprise information; the first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension; a second determining module 1130, configured to determine a target score of the first enterprise according to the first scores in the plurality of set risk dimensions, where the target score is used to indicate a risk deviation degree of the first enterprise; the control module 1140 is configured to perform risk control on the first enterprise according to the target score of the first enterprise.

In one possible implementation of an embodiment of the present disclosure, the plurality of set risk dimensions includes: a first risk dimension associated with a first enterprise, a second risk dimension associated with a second enterprise, a third risk dimension associated with a third enterprise, a fourth risk dimension associated with both the first enterprise and the second enterprise, a first determination module 1120, specifically configured to: determining a first score of the first enterprise in a first risk dimension according to the first enterprise information; determining a first score of the first enterprise in a second risk dimension according to the second enterprise information; determining a first score for the first business in a third risk dimension based on the third business score; a first score for the first business in a fourth risk dimension is determined based on the fourth business score.

In one possible implementation of the embodiments of the present disclosure, the first enterprise information includes: first enterprise sub-information corresponding to the plurality of first risk influencing factors and second enterprise sub-information corresponding to the plurality of second risk influencing factors; the first determining module 1120 is specifically configured to: for any first risk influence factor, according to first enterprise sub-information corresponding to any first risk influence factor, inquiring a first set risk table matched with any first risk influence factor to obtain a first sub-score of the first enterprise under any first risk influence factor; the first set risk table comprises a corresponding relation between first enterprise sub-information and a first sub-score; for any second risk influence factor, determining first statistical sub-information corresponding to any second risk influence factor according to second enterprise sub-information corresponding to any second risk influence factor; inquiring a second set risk table matched with any second risk influence factor according to the first statistical sub-information corresponding to any second risk influence factor to obtain a second sub-value of the first enterprise under any second risk influence factor; the second set risk table comprises a corresponding relation between statistical sub-information and a second sub-score; and determining a first score of the first enterprise in the first risk dimension according to the first sub-score of the first enterprise under any first risk influence factor and the second sub-score of the first enterprise under any second risk influence factor.

In one possible implementation of the embodiments of the present disclosure, the second enterprise information includes: the first determining module 1120 is specifically configured to: aiming at any third risk influence factor, according to the sub-information of a third enterprise corresponding to any third risk influence factor, inquiring a third set risk table matched with any second risk influence factor to obtain a third sub-score of the first enterprise under any third risk influence factor; the third set risk table comprises a corresponding relation between the third enterprise sub-information and a third sub-score; a first score for the first business in the second risk dimension is determined based on each third sub-score.

In one possible implementation of the embodiments of the present disclosure, the third enterprise information includes: a second score for the third business in at least one set risk dimension; the first determining module 1120 is specifically configured to: determining that the third enterprise has a transfer risk to the first enterprise under the condition that the second score of the third enterprise in any set risk dimension is larger than a first set threshold corresponding to any set risk dimension; under the condition that a third enterprise has a transmission risk to the first enterprise, determining a first score of the first enterprise in a third risk dimension according to a set risk deviation score; or, according to a first set weight of the set risk dimensions, carrying out weighted summation on first scores of the set risk dimensions to determine a risk deviation score of a third enterprise, and determining that the third enterprise has a transmission risk for the first enterprise under the condition that the risk deviation score of the third enterprise is smaller than or equal to a second set threshold value; and under the condition that the third enterprise has a transmission risk for the first enterprise, determining a first score of the first enterprise in a third risk dimension according to the set risk deviation score.

In one possible implementation of the embodiments of the present disclosure, the fourth enterprise information includes: fourth enterprise sub-information corresponding to the plurality of fourth risk impact factors and fifth enterprise sub-information corresponding to the plurality of fifth risk impact factors; the first determining module 1120 is specifically configured to: for any fourth risk influence factor, according to the fourth enterprise sub-information corresponding to any fourth influence factor, inquiring a fourth set risk table matched with any fourth risk influence factor to obtain a fourth sub-score of the first enterprise under any fourth risk influence factor; determining second statistical sub-information corresponding to any fifth risk influence factor according to the fifth enterprise sub-information corresponding to any fifth risk influence factor aiming at any fifth risk influence factor; inquiring a fifth set risk table matched with any fifth risk influence factor according to second statistical sub-information corresponding to any fifth risk influence factor so as to obtain a fifth sub-score of the first enterprise under any fifth risk influence factor; and determining a first score of the first enterprise in a fourth risk dimension according to the fourth sub-score of the first enterprise under any fourth risk influence factor and the fifth sub-score of the first enterprise under any fifth risk influence factor.

In a possible implementation manner of the embodiment of the present disclosure, the second determining module 1130 is specifically configured to: determining a target score of the first enterprise according to the sum of the first scores on the plurality of set risk dimensions; or, according to the second set weights of the set risk dimensions, carrying out weighted summation on the first scores of the set risk dimensions to obtain target scores of the first enterprise; alternatively, a target score for the first business is determined based on a mean of the first scores over the plurality of set risk dimensions.

In one possible implementation of the embodiments of the present disclosure, the control module 1140 is specifically configured to: determining a target risk level corresponding to the first enterprise from a plurality of set risk levels according to the target score; and performing risk control on the first enterprise according to the wind control strategy corresponding to the target risk level.

The risk control device of the embodiment of the disclosure obtains first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with a third enterprise and fourth enterprise information associated with the first enterprise and the second enterprise respectively; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise; determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information; the first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension; determining a target score of the first enterprise according to the first scores on the multiple set risk dimensions, wherein the target score is used for indicating the risk deviation degree of the first enterprise; according to the target score of the first enterprise, risk control is performed on the first enterprise, so that when the risk control is performed on the first enterprise, the risk of the first enterprise is considered, the risk influence of a core enterprise and a non-core enterprise which are in the same supply chain finance and are associated with the first enterprise on the first enterprise is considered, the accuracy of risk assessment of the first enterprise is improved, and the accuracy of risk control on the first enterprise can be improved.

In an exemplary embodiment, an electronic device is also presented.

Wherein, electronic equipment includes:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to execute instructions to implement a risk control method as set forth in any of the foregoing embodiments.

As an example, fig. 12 is a schematic structural diagram of an electronic device 1200 according to an exemplary embodiment of the present disclosure, and as shown in fig. 12, the electronic device 1200 may further include:

the memory 1210 and the processor 1220, the bus 1230 connecting the different components (including the memory 1210 and the processor 1220), the memory 1210 stores a computer program, and the processor 1220 implements the risk control method according to the embodiments of the present disclosure when executing the program.

Bus 1230 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include Industry Standard Architecture (ISA) bus, micro channel architecture (MAC) bus, enhanced ISA bus, video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

Electronic device 1200 typically includes a variety of electronic device readable media. Such media can be any available media that is accessible by electronic device 1200 and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 1210 may also include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM) 1240 and/or cache memory 1250. The server 1200 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, the storage system 1260 may be used to read from or write to non-removable, non-volatile magnetic media (not shown in FIG. 12, commonly referred to as a "hard disk drive"). Although not shown in fig. 12, a magnetic disk drive for reading from and writing to a removable non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In such cases, each drive may be coupled to bus 1230 through one or more data medium interfaces. Memory 1210 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of the various embodiments of the disclosure.

Program/utility 1280 having a set (at least one) of program modules 1270 may be stored in, for example, memory 1210, such program modules 1270 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment. Program modules 1270 generally perform the functions and/or methods in the embodiments described in this disclosure.

The electronic device 1200 may also communicate with one or more external devices 1290 (e.g., keyboard, pointing device, display 1291, etc.), one or more devices that enable a user to interact with the electronic device 1200, and/or any device (e.g., network card, modem, etc.) that enables the electronic device 1200 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 1292. Also, the electronic device 1200 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, e.g., the internet, through a network adapter 1293. As shown, the network adapter 1293 communicates with other modules of the electronic device 1200 over the bus 1230. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with electronic device 1200, including, but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.

Processor 1220 executes various functional applications and data processing by executing programs stored in memory 1210.

It should be noted that, the implementation process and the technical principle of the electronic device in this embodiment refer to the foregoing explanation of the risk control method in the embodiment of the disclosure, and are not repeated herein.

In an exemplary embodiment, a computer readable storage medium is also provided, e.g. a memory, comprising instructions executable by a processor of an electronic device to perform the method set forth in any of the embodiments described above. Alternatively, the computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

In an exemplary embodiment, a computer program product is also provided, comprising a computer program/instruction, characterized in that the computer program/instruction, when executed by a processor, implements the method as set forth in any of the above embodiments.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any adaptations, uses, or adaptations of the disclosure following the general principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It is to be understood that the present disclosure is not limited to the precise arrangements and instrumentalities shown in the drawings, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A risk control method, comprising:

acquiring first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with the third enterprise and fourth enterprise information associated with the first enterprise and the second enterprise, respectively; wherein the second enterprise is a core enterprise at the same supply chain finance as the first enterprise, and the third enterprise is a non-core enterprise at the same supply chain finance as the first enterprise;

determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information; the first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension;

determining a target score of the first enterprise according to a plurality of first scores in the set risk dimension, wherein the target score is used for indicating the risk deviation degree of the first enterprise;

And performing risk control on the first enterprise according to the target score of the first enterprise.

2. The method of claim 1, wherein the plurality of set risk dimensions comprises: a first risk dimension associated with the first enterprise, a second risk dimension associated with the second enterprise, a third risk dimension associated with the third enterprise, a fourth risk dimension associated with both the first enterprise and the second enterprise;

the determining a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information and the fourth enterprise information includes:

determining a first score of the first enterprise in the first risk dimension according to the first enterprise information;

determining a first score of the first enterprise in the second risk dimension according to the second enterprise information;

determining a first score for the first business in the third risk dimension based on the third business score;

and determining a first score of the first enterprise in the fourth risk dimension according to the fourth enterprise score.

3. The method of claim 2, wherein the first business information comprises: first enterprise sub-information corresponding to the plurality of first risk influencing factors and second enterprise sub-information corresponding to the plurality of second risk influencing factors;

The determining, according to the first enterprise information, a first score of the first enterprise in the first risk dimension includes:

for any one of the first risk influence factors, according to first enterprise sub-information corresponding to any one of the first risk influence factors, inquiring a first set risk table matched with any one of the first risk influence factors to obtain a first sub-value of the first enterprise under any one of the first risk influence factors; the first set risk table comprises a corresponding relation between first enterprise sub-information and a first sub-score;

determining first statistical sub-information corresponding to any second risk influence factor according to second enterprise sub-information corresponding to any second risk influence factor aiming at any second risk influence factor;

according to the first statistical sub-information corresponding to any one of the second risk influence factors, inquiring a second set risk table matched with any one of the second risk influence factors to obtain a second sub-score of the first enterprise under any one of the second risk influence factors; the second set risk table comprises a corresponding relation between statistical sub-information and a second sub-score;

And determining a first score of the first enterprise in the first risk dimension according to a first sub-score of the first enterprise under any first risk influence factor and a second sub-score of the first enterprise under any second risk influence factor.

4. The method of claim 2, wherein the second enterprise information comprises: third enterprise sub-information corresponding to a plurality of third risk impact factors;

the determining, according to the second enterprise information, a first score of the first enterprise in the second risk dimension includes:

for any one of the third risk influence factors, according to the sub-information of the third enterprise corresponding to any one of the third risk influence factors, inquiring a third set risk table matched with any one of the second risk influence factors to obtain a third sub-value of the first enterprise under any one of the third risk influence factors; the third set risk table comprises a corresponding relation between third enterprise sub-information and a third sub-score;

and determining a first score of the first enterprise in the second risk dimension according to each third sub-score.

5. The method of claim 2, wherein the third business information comprises: a second score for the third business in at least one set risk dimension;

The determining, according to the third enterprise information, a first score of the first enterprise in the third risk dimension includes:

determining that the third enterprise has a transmission risk for the first enterprise under the condition that a second score of the third enterprise in any set risk dimension is larger than a first set threshold corresponding to any set risk dimension;

determining a first score of the first enterprise in the third risk dimension according to a set risk deviation score under the condition that the third enterprise has a transmission risk for the first enterprise;

or alternatively, the process may be performed,

according to first set weights of the set risk dimensions, carrying out weighted summation on first scores of the set risk dimensions to determine a risk deviation score of the third enterprise, and determining that the third enterprise has a transmission risk for the first enterprise under the condition that the risk deviation score of the third enterprise is smaller than or equal to a second set threshold value;

and under the condition that the third enterprise has a transmission risk to the first enterprise, determining a first score of the first enterprise in the third risk dimension according to a set risk deviation score.

6. The method of claim 2, wherein the fourth enterprise information comprises: fourth enterprise sub-information corresponding to the plurality of fourth risk impact factors and fifth enterprise sub-information corresponding to the plurality of fifth risk impact factors;

the determining, according to the fourth enterprise information, a first score of the first enterprise in the fourth risk dimension includes:

querying a fourth set risk table matched with any one of the fourth risk influence factors according to fourth enterprise sub-information corresponding to any one of the fourth risk influence factors aiming at any one of the fourth risk influence factors to obtain a fourth sub-score of the first enterprise under any one of the fourth risk influence factors;

determining second statistical sub-information corresponding to any fifth risk influence factor according to fifth enterprise sub-information corresponding to any fifth risk influence factor aiming at any fifth risk influence factor;

according to the second statistical sub-information corresponding to any fifth risk influence factor, inquiring a fifth set risk table matched with any fifth risk influence factor to obtain a fifth sub-score of the first enterprise under any fifth risk influence factor;

And determining a first score of the first enterprise in the fourth risk dimension according to a fourth sub-score of the first enterprise under any of the fourth risk influencing factors and a fifth sub-score of the first enterprise under any of the fifth risk influencing factors.

7. The method of claim 1, wherein determining the target score for the first business from the first scores across the plurality of set risk dimensions comprises:

determining a target score for the first business according to the sum of the first scores on the plurality of set risk dimensions;

or alternatively, the process may be performed,

according to second set weights of the set risk dimensions, carrying out weighted summation on the first scores of the set risk dimensions to obtain target scores of the first enterprise;

or alternatively, the process may be performed,

and determining the target score of the first enterprise according to the average value of the first scores on the multiple set risk dimensions.

8. The method of claim 1, wherein the risk control of the first business based on the target score of the first business comprises:

determining a target risk level corresponding to the first enterprise from a plurality of set risk levels according to the target score;

And performing risk control on the first enterprise according to the wind control strategy corresponding to the target risk level.

9. A risk control device, comprising:

an acquisition module configured to acquire first enterprise information associated with a first enterprise, second enterprise information associated with a second enterprise, third enterprise information associated with the third enterprise, and fourth enterprise information associated with the first enterprise and the second enterprise, respectively; wherein the second enterprise is a core enterprise that is on the same supply chain as the first enterprise, and the third enterprise is a non-core enterprise that is on the same application chain as the first enterprise;

a first determining module, configured to determine a first score of the first enterprise in a plurality of set risk dimensions according to the first enterprise information, the second enterprise information, the third enterprise information, and the fourth enterprise information; the first score is used for indicating the risk deviation degree of the first enterprise in the corresponding set risk dimension;

a second determining module, configured to determine a target score of the first enterprise according to a plurality of first scores in the set risk dimension, where the target score is used to indicate a risk deviation degree of the first enterprise;

And the control module is used for controlling the risk of the first enterprise according to the target score of the first enterprise.

10. An electronic device, comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the risk control method of any one of claims 1 to 8.

11. A computer readable storage medium, which when executed by a processor of an electronic device, causes the electronic device to perform the risk control method of any of claims 1 to 8.

12. A computer program product comprising a computer program, which when executed by a processor implements the risk control method according to any of claims 1-8.