CN1916956A - System and method for quantizing risks of financial assets - Google Patents
System and method for quantizing risks of financial assets Download PDFInfo
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- CN1916956A CN1916956A CNA2006101128525A CN200610112852A CN1916956A CN 1916956 A CN1916956 A CN 1916956A CN A2006101128525 A CNA2006101128525 A CN A2006101128525A CN 200610112852 A CN200610112852 A CN 200610112852A CN 1916956 A CN1916956 A CN 1916956A
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Abstract
A system used to quantize risk of financial capital comprises databank management unit set on databank and used to execute storage and management of data in databank, application service unit connected to databank management unit and used to obtain quantization result of risk on financial capital as well as to store said quantization result in data management unit, user terminal connected to application service unit through network and used to display and/or input data.
Description
Technical field
The present invention relates to assets credit risk management domain, particularly relate to a kind of system and method that the risk situation of financial asset is quantized.
Background technology
Along with market economy increasing development, the competition of enterprise is more and more fierce, and the market risk more and more is difficult to control.All have a large amount of assets operation such as resembling financial company, the risk situation of the every assets of putting on market of how to evaluate, extremely important to the day-to-day operations management of financial company.On the one hand, financial company need extract the bad and doubtful debts provision of risk according to the situation of asset quality in order to improve its anti-risk ability from its profit, the quality of assets is poor more, be that risk is high more, need the bad and doubtful debts provision of risk of extraction just many more, then profit then is just few more.Therefore, accurately quantizing and the risk situation of the financial asset of classifying, is to extract the basis that risk is provided accurately, in full amount.On the other hand, financial company need grasp the actual value and the degree of risk of financial asset at any time, truly, comprehensively, dynamically reflect the financial asset quality, and to finance capital venture and change to implement accurately monitoring, in time find the problem that occurs in each link of operation control to improve the efficient of asset management, strengthen the Risk-warning ability, thereby improve constantly the asset quality of enterprise, promote the integrated management level and the profitability of enterprise, realize the gain on investments maximization.But the risk situation to financial asset quantizes and classifies to relate to the business circumstance that relates to the investee, the refund situation, the development of industry, several factors such as loan project progress, therefore the risk situation to financial asset quantizes and the very difficulty of classifying.
Summary of the invention
Quantize and the difficulty of classifying in order to overcome present risk situation financial asset, the invention provides a kind of objective effective and easy and simple to handle, the system and method that the risk situation to financial asset that treatment effeciency is high quantizes and classifies, think that financial company extracts the provision of risk accurately, in full amount and lays the foundation, and provide effective monitoring means to the risk and the variation thereof of financial asset for financial company.
To achieve these goals, technical scheme of the present invention is:
A kind of system that finance capital venture is quantized comprises:
Data bank management device disposes and is convenient to carry out the database that financial asset quantizes, and is used for carrying out the storage and management of described database data;
Be connected in the application service device of described data bank management device, be used for initial quantization data according to investee's information acquisition investee finance capital venture, and adjust described initial quantization data according to the risk indicated value of investee's finance capital venture characterization information correspondence, obtaining the quantized result of finance capital venture, and described quantized result is stored to described data bank management device;
By network and the user terminal that described application service device is connected, be used to show and/or the data input.
Described system also comprises:
The Web service device connects described application service device and user terminal, is used for carrying out alternately with user terminal, and carries out the interface processing of the Web page;
Authenticate device is used for the user is carried out authentication processing.
Described investee's finance capital venture characterization information comprises: investee's credit grade, refund wish, the highest comprehensive credit line amount behaviour in service, liability guarantee, time expiry, purposes and priority, the duration of an exhibition situation, loan reorganization situation, refund record, prospective damage rate, loss percentage assets feature, same investee's credit assets information such as cross influence at least one item.
Described application service device is configured to:
Calculate investee's initial quantization score according to investee's credit grade;
Adjust described initial quantization score according to finance capital venture characterization information that characterizes investee's credit and corresponding risk indicated value thereof, and obtain the initial score of investee's assets according to adjusted score;
According to the initial score that the finance capital venture characterization information and the corresponding risk indicated value thereof of sign investee fund information are adjusted described investee's assets, obtain the quantification score of this asset risk.
Described application service device also is configured to:
Obtain the category level of this asset risk according to the quantification score of described asset risk.
Described application service device is adjusted the initial score of described initial quantization score or investee's assets according to the summation of the risk indicated value of respective risk indication information.
A kind of method that finance capital venture is quantized comprises:
A., the initial quantization data of investee's finance capital venture are set;
B. adjust described initial quantization data according to the risk indicated value of investee's finance capital venture characterization information correspondence, to obtain the quantized result of finance capital venture;
C. store described quantized result.
Step a is meant:
Calculate investee's initial quantization score according to investee's credit grade.
Step b comprises:
Adjust described initial quantization score according to finance capital venture characterization information that characterizes investee's credit and corresponding risk indicated value thereof, and obtain the initial score of investee's assets according to adjusted score;
According to the initial score that the finance capital venture characterization information and the corresponding risk indicated value thereof of sign investee fund information are adjusted described investee's assets, obtain the quantification score of this asset risk.
Step b also comprises:
Calculate the category level of this asset risk according to the quantification score of described asset risk.
Described investee's finance capital venture characterization information comprises: investee's credit grade, refund wish, the highest comprehensive credit line amount behaviour in service, liability guarantee, time expiry, purposes and priority, the duration of an exhibition situation, loan reorganization situation, refund record, prospective damage rate, loss percentage assets feature, same investee's credit assets information such as cross influence at least one of them.
The invention provides a kind of objective effective and easy and simple to handle, the system and method that the risk situation to financial asset that treatment effeciency is high quantizes and classifies, significant to the asset management level and the profitability that improve financial company, and tool can have following effect:
Realize simply, the treatment effeciency height, energy obtain the quantification and the classification results of finance capital venture situation within a short period of time, and concrete higher operability has effectively improved the efficient of financial company's asset management in daily asset management work;
Along with the continuous accumulation of data, through the computation model of revised quantized result repeatedly more science, effectively, more near true, thereby produce the quantification and the classification results of financial asset more accurately;
By branch subdivision to financial asset, not only effectively evaded the centrality risk, dwindled the fluctuating range of expected loss,, established solid technology and data basis for extracting the provision of risk accurately, in full amount for the Dynamic Extraction provision of risk is got ready;
By quantification and classification to financial asset, not only can accurately disclose the actual value and the degree of risk of enterprise assets, truly, comprehensively, dynamically reflect asset quality, and can realize asset risk and change implementing accurately monitoring.
Description of drawings
Fig. 1 is a logical organization synoptic diagram of the present invention;
Fig. 2 is a sorting technique process flow diagram of the present invention.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, specific embodiments of the invention are elaborated below in conjunction with accompanying drawing.
The present invention is to the quantification and the classification of finance capital venture, can adopt the two phase process patterns of " adjustment of investee's classification+liability ", at first the credit rating with the investee is a starting point, determines that by the adjustment of factors such as refund wish, the highest comprehensive credit line amount behaviour in service the investee classifies; On this basis, again according to the concrete condition of liability, as refund record, purposes and priority, prospective damage rate, loss percentage assets feature, etc. factor progressively investee's classification results is adjusted, draw the quantification and the classification results of final financial asset.Then, the related personnel of financial company checks and adjusts quantification and classification results that system produces, satisfying special management expectancy, or the calculation deviation that causes owing to the data acquisition imperfection, with further sophisticated systems quantification and sorting result.
Carry out concrete description with reference to the accompanying drawings.
Fig. 1 quantizes the structural representation of system with classification for of the present invention to finance capital venture.As shown in Figure 1, described system comprises following structure: data bank management device 1, application service device 3, Web service device 4, internal network 5, user terminal 6 and authenticate device 7.
Wherein, data bank management device 1 can be a PC server or main frame, is used to deposit carry out financial asset quantification and data such as the basic data of classifying, intermediate data, classification results, for system provides the data access service, and the runtime database management software system, carry out the management of database.Described basic data can comprise: investee's credit grade, refund wish, the highest comprehensive credit line amount behaviour in service, purposes and priority, the finance capital venture characterization information data such as record, prospective damage rate, loss percentage assets feature of refunding; Described intermediate data comprise described basic data correspondence such as category level, quantize score or adjusted value (as the increase and decrease score value) equivalent risk indicated value data.Described classification results data comprise according to basic data and intermediate data carries out finance capital venture quantification and sorted result.
Internal network 5 is the LAN (Local Area Network) of enterprise, can be Ethernet (Ethernet), also can be other LAN (Local Area Network), as Fiber Distributed Data Interface (FDDI), token ring (Token-Ring) etc.Can also the LAN (Local Area Network) of its each branch offices be connected to form bigger intranet (Intranet) by renting modes such as special line in addition.
7 couples of users of teller identification device carry out authentication processing, the user must login before using system, the user inputs user name on user terminal 6, the authentication information of password, user terminal 6 sends to Web server device 4 with user authentication information through internal network 5, Web server device 4 is given to application service device 3 again and is handled, application service device 3 is thought in the time of authenticating through handling, then authentication information being given to teller identification device 7 authenticates, authentication result will be returned application service device 3, application service device 3 records data bank management device 1 with authentication result, and the operation pages that user behind the authentication success should be entered offers the user.
The present invention carries out quantification and classification to finance capital venture according to aforesaid system, specifically comprises the steps (as shown in Figure 2):
Step 100: by the business personnel undertaken by user terminal input that finance capital venture quantizes and the required data of classifying to data bank management device 1, the basic data of input can comprise investee's credit grade, the refund wish, the highest comprehensive credit line amount behaviour in service, whether stop production, the liability guarantee, time expiry, purposes and priority, the duration of an exhibition situation, loan reorganization situation, the refund record, the prospective damage rate, the loss percentage assets feature, in the finance capital venture characterization information data such as cross influence of same investee's credit assets one or multinomial, adopt investee's credit grade in the present embodiment, the refund wish, the highest comprehensive credit line amount behaviour in service, whether stop production, purposes and priority, the refund record, the prospective damage rate, the basic data that finance capital venture quantizes and classifies is carried out in conducts such as loss percentage assets feature.
Pairing intermediate data can input in the data bank management device 1 in this step, also can deposit in advance, or need time input in subsequent step.
Step 102: application service device is calculated investee's initial score according to the credit information of investee in the basic data.
For example, can calculate investee's preliminary classification and/or initial score according to investee (borrower) credit grade, and be stored in the data bank management device 1.The score (intermediate data) of each credit grade correspondence of investee can be as shown in table 1 (only as illustrating, being not limited thereto), and concrete score situation can be according to the concrete condition of each enterprise and difference.Credit grade as certain investee is AA+ (outstanding), and then the initial of this investee must be divided into 78 fens.Wherein the high more investee of score represents to throw in and gives this investee's asset quality good more, and the risk that faces is then more little.
In this step, investee's initial score is not limited to calculate according to investee's credit grade, and can wait the initial score of calculating the investee as the refund wish according to other basic data that can estimate investor's credit or reflection investment risk.
Table 1.
| Credit grade | The credit grade classification | Score |
| AAA | Special excellent | 85 |
| AA+ | Outstanding | 78 |
| AA | Suboptimum | 74 |
| AA | Good | 70 |
| A+ | The general concern | 66 |
| A | Pay close attention to | 62 |
| A- | Special concern | 58 |
| BBB+ | Relatively poor | 55 |
| BBB | Difference | 52 |
| BBB- | Very poor | 49 |
| BB | Extreme difference | 44 |
| B | Loss | 36 |
After obtaining the initial score of investee, just can come investee's score is adjusted (as step 103-105), to determine adjusted investee's classification according to other risk characterization information in the basic data.
Step 103: the usage ratio according to the highest comprehensive credit line amount of investee is adjusted investee's score, calculates the score value that needs increase and decrease, and the mode of adjustment can be a mode (but being not limited thereto) as shown in table 2.For example: used 100% when above when the highest comprehensive credit line amount of investee, its score is reduced 4 fens; When the use of the highest comprehensive credit line amount of investee does not surpass 100%, it is not carried out positive or negative points (promptly reducing 0 fen).
Table 2.
| The usage ratio of the highest comprehensive credit line amount of investee | Adjust | |
| Greater than 100 | Reduce | 4 fens |
| Be less than or equal to 100% | Reduce 0 fen |
Step 104: the refund wish according to the investee is adjusted investee's score, calculates the score value that needs increase and decrease, and the mode of adjustment can be a mode (but not as limit) as shown in table 3.For example, when investee's refund wish when being weak, its score is reduced 4 fens; When investee's refund wish when being strong, its score is reduced 0 fen; When investee's refund wish when being general, its score is reduced 2 fens.
Table 3.
| Investee's refund wish situation | Adjust |
| A little less than | |
| By force | Reduce 0 fen |
| Generally | Reduce 2 fens |
Whether step 105: stop production according to the investee investee's score is adjusted, calculate the score value that needs increase and decrease, the mode of adjustment can be a mode (but not as limit) as shown in table 4.For example, when the investee stops production adjustment, its score is reduced 4 fens; When the investee does not stop production adjustment, its score is reduced 0 fen.
Table 4.
| Investee's adjustment that whether stops production | Adjust |
| Be | |
| Not | Reduce 0 fen |
Step 106: earlier step 103 is gathered to the increase and decrease score value that step 105 calculates, gathering score value according to this increase and decrease again adjusts investee's initial score, thereby obtain this investee's score, give the initial score of this investee's assets with this investee's score as input at last, and be saved in the data bank management device 1.If the initial of a certain investee must be divided into 78 fens in 102 steps, and the mark that needs to reduce in step 103-105 was respectively 2 minutes, 4 minutes and 0 minute, the score value that gathers that then need reduce is the mark summation to needing among the step 103-105 to increase and decrease, promptly 6 minutes, thereby obtain this investee's must be divided into 72 fens, give the initial score of this investee's assets with this score as input; Mode not by gathering, and the score value that directly increase and decrease need increase and decrease accordingly in each step of 103-105, promptly in step 103,104,105, obtain adjusted investee's score 76,72,72 respectively, thus 72 fens initial scores that obtain after in this step, can directly adjusting at last as this investee's assets with this.Again for example, if have 2 throw in for certain investee's assets, this investee must be divided into 72 fens, high more assets of score wherein that the initial score of then throwing in 2 assets of giving this investee is 72 fens, the quality of representing these assets is good more, and the risk that faces is more little.
After obtaining investee's the initial score of assets, can adjust (as step 107-110) according to the concrete condition of liability to the classification results of assets again, and then obtain the quantification and the classification results of final financial asset.
Step 107: application service device 3 is adjusted the score of assets according to the record of refunding, and calculates the score value that needs increase and decrease, and the mode of adjustment can be a mode (but not as limit) as shown in table 5.For example, when assets are refunded on time, the assets score is reduced 0 fen; When assets are exceeded the time limit in 10 days, its score is reduced 2 fens; Exceed the time limit 11 to 90 days the time when assets, its score is reduced 4 fens; Exceed the time limit 91 to 180 days the time when assets, its score is reduced 6 fens.
Table 5.
| Exceeding the time limit the time of assets | Adjust |
| Refund on time | Reduce 0 fen |
| Exceeded the time limit 10 days in | Reduce 2 fens |
| Exceeded the time limit 11-90 days | Reduce 4 fens |
| Exceeded the time limit 91-180 days | Reduce 6 fens |
Step 108: whether unanimity is adjusted the score of assets according to fund purposes (or fund priority), calculates the score value that needs increase and decrease, and the mode of adjustment can be a mode (but not as limit) as shown in table 6.For example, when fund purposes (or fund priority) is consistent, its score is reduced 0 fen; When fund purposes (or fund priority) is inconsistent, its score is reduced 4 fens.
Table 6.
| Whether the fund purposes is consistent | Adjust |
| Be | Reduce 0 fen |
| Not | Reduce 4 fens |
Step 109: the prospective damage rate according to assets is adjusted the score of assets, calculates the score value that needs increase and decrease, and the mode of adjustment can be a mode (but not as limit) as shown in table 7.For example, when the prospective damage rate of assets is 0%, its score is reduced 0 fen; When the prospective damage rate of assets was 0% to 20% (containing 20%), its score is reduced 2 fens; When the prospective damage rate of assets was 20% to 40% (containing 40%), its score is reduced 4 fens; When the prospective damage rate of assets was 40% to 60% (containing 60%), its score is reduced 6 fens; When the prospective damage rate of assets was 60% to 90% (containing 90%), its score is reduced 9 fens; When the prospective damage rate of assets when surpassing 90%, its score is reduced 12 fens.
Table 7.
| The prospective damage rate of assets | Adjust |
| 0％ | Reduce 0 fen |
| 0%-20% (containing 20%) | Reduce 2 fens |
| 20%-40% (containing 40%) | |
| 40%-60% (containing 60%) | |
| 60%-90% (containing 90%) | Reduce 9 fens |
| More than 90% | Reduce 12 fens |
Step 110: according to the loss percentage assets feature score of assets is adjusted, calculated the score value that needs increase and decrease, the mode of adjustment can be a mode (but not as limit) as shown in table 8.For example, when the investee goes bankrupt, its score is reduced 4 fens; When the investee stops production, its score is reduced 2 fens; When the investee does not stop production, its score is reduced 0 fen.
Table 8.
| The loss percentage assets feature | Adjust | |
| Investee's | Reduce | 4 fens |
| The investee stops production | Reduce 2 fens | |
| The investee does not stop production | Reduce 0 fen |
Equally, the present invention can also adjust investee's classification results according to other situation that inputs to the relevant liability in the database.For example, application service device respectively according to the time expiry of the guarantee information in the database, liability, the duration of an exhibition situation, loan reorganization situation and same investee's credit assets data such as cross influence the score of investment assets is adjusted, obtain increase and decrease score value respectively corresponding to each liability information.
Step 111: earlier step 107 is gathered to the increase and decrease score value that step 110 calculates, gathering score value according to this increase and decrease again adjusts the initial score of assets, thereby obtain the quantification score of this asset quality, obtain the category level of these assets at last according to the quantification score of assets, the method for classification can be a method (but not as limit) as shown in table 9.Can be not yet by gathering, and directly in each step of 107-110, deduct corresponding score value respectively, obtain the quantification score of this asset quality equally.For example, a certain assets must be divided into 70 fens, then the category level of these assets is secondary (normal secondary).Wherein the category level of assets or score are high more, and the quality of expression assets is good more, and the risk that faces is more little.
Table 9.
| The assets classes rank | Assets quantize score |
| One-level (normal one-level) | (contain 72 fens) more than 72 minutes |
| Secondary (normal secondary) | 68-72 (containing 68 fens) |
| Three grades (normal three grades) | 64-68 (containing 64 fens) |
| Level Four (normal level Four) | 60-64 (containing 60 fens) |
| Pyatyi (concern one-level) | 56-60 (containing 56 fens) |
| Six grades (concern secondary) | 53-56 (containing 53 fens) |
| Seven grades (paying close attention to three grades) | 50-53 (containing 50 fens) |
| Eight grades (secondary one-level) | 47-50 (containing 47 fens) |
| Nine grades (secondary secondary) | 40-47 (containing 40 fens) |
| Ten grades (suspicious one-level) | 33-40 (containing 33 fens) |
| Ten one-levels (suspicious secondary) | 26-33 (containing 26 fens) |
| Ten secondarys (loss level) | Below 26 minutes |
By the adjustment that application service device is carried out investee's classification results, just draw the quantification and the classification results of final financial asset.Application service device is saved to data bank management device with described quantification and classification results.
Step 112: optionally, business processing personnel can check and adjust quantification and classification results that system produces, satisfying special management expectancy, or the calculation deviation that causes owing to the data acquisition imperfection.
Step 113: the quantification from the asset risk situation that finally obtains to the user and the classification results that represent.
The system and method that risk situation to financial asset of the present invention quantizes and classifies, significant to the asset management level and the profitability that improve financial company, and realize simple, objective effectively, can obtain the quantification and the classification results of finance capital venture situation within a short period of time, concrete higher operability has effectively improved the efficient of financial company's asset management in daily asset management work.
Continuous accumulation along with data, the intermediate data of basic data correspondence (as increasing and decreasing score value etc.) can be revised and adjust, through revised computation model repeatedly more science, effectively, more near true, thereby produce the quantification and the classification results of financial asset more accurately;
By branch subdivision to financial asset, not only effectively evaded the centrality risk, dwindled the fluctuating range of expected loss,, established solid technology and data basis for extracting the provision of risk accurately, in full amount for the Dynamic Extraction provision of risk is got ready;
By quantification and classification to financial asset, not only can accurately disclose the actual value and the degree of risk of enterprise assets, truly, comprehensively, dynamically reflect asset quality, and can realize asset risk and change implementing accurately monitoring.
Above embodiment only is used to illustrate the present invention, but not is used to limit the present invention.Within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (11)
1. system that finance capital venture is quantized is characterized in that comprising:
Data bank management device disposes and is convenient to carry out the database that financial asset quantizes, and is used for carrying out the storage and management of described database data;
Be connected in the application service device of described data bank management device, be used for initial quantization data according to investee's information acquisition investee finance capital venture, and adjust described initial quantization data according to the risk indicated value of investee's finance capital venture characterization information correspondence, obtaining the quantized result of finance capital venture, and described quantized result is stored to described data bank management device;
By network and the user terminal that described application service device is connected, be used to show and/or the data input.
2. system according to claim 1 is characterized in that also comprising:
The Web service device connects described application service device and user terminal, is used for carrying out alternately with user terminal, and carries out the interface processing of the Web page;
Authenticate device is used for the user is carried out authentication processing.
3. system according to claim 1 is characterized in that:
Described investee's finance capital venture characterization information comprises: investee's credit grade, refund wish, the highest comprehensive credit line amount behaviour in service, liability guarantee, time expiry, purposes and priority, the duration of an exhibition situation, loan reorganization situation, refund record, prospective damage rate, loss percentage assets feature, same investee's credit assets information such as cross influence at least one item.
4. system according to claim 1 is characterized in that described application service device is configured to:
Calculate investee's initial quantization score according to investee's credit grade;
Adjust described initial quantization score according to finance capital venture characterization information that characterizes investee's credit and corresponding risk indicated value thereof, and obtain the initial score of investee's assets according to adjusted score;
According to the initial score that the finance capital venture characterization information and the corresponding risk indicated value thereof of sign investee fund information are adjusted described investee's assets, obtain the quantification score of this asset risk.
5. system according to claim 4 is characterized in that described application service device also is configured to:
Obtain the category level of this asset risk according to the quantification score of described asset risk.
6. system according to claim 4 is characterized in that:
Described application service device is adjusted the initial score of described initial quantization score or investee's assets according to the summation of the risk indicated value of respective risk indication information.
7. method that finance capital venture is quantized is characterized in that comprising:
A., the initial quantization data of investee's finance capital venture are set;
B. adjust described initial quantization data according to the risk indicated value of investee's finance capital venture characterization information correspondence, to obtain the quantized result of finance capital venture;
C. store described quantized result.
8. method according to claim 7 is characterized in that step a is meant:
Calculate investee's initial quantization score according to investee's credit grade.
9. method according to claim 8 is characterized in that step b comprises:
Adjust described initial quantization score according to finance capital venture characterization information that characterizes investee's credit and corresponding risk indicated value thereof, and obtain the initial score of investee's assets according to adjusted score;
According to the initial score that the finance capital venture characterization information and the corresponding risk indicated value thereof of sign investee fund information are adjusted described investee's assets, obtain the quantification score of this asset risk.
10. method according to claim 9 is characterized in that step b also comprises:
Calculate the category level of this asset risk according to the quantification score of described asset risk.
11. method according to claim 7 is characterized in that:
Described investee's finance capital venture characterization information comprises: investee's credit grade, refund wish, the highest comprehensive credit line amount behaviour in service, liability guarantee, time expiry, purposes and priority, the duration of an exhibition situation, loan reorganization situation, refund record, prospective damage rate, loss percentage assets feature, same investee's credit assets information such as cross influence at least one of them.
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2006101128525A CN1916956A (en) | 2006-09-05 | 2006-09-05 | System and method for quantizing risks of financial assets |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2006101128525A CN1916956A (en) | 2006-09-05 | 2006-09-05 | System and method for quantizing risks of financial assets |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105719181A (en) * | 2014-12-05 | 2016-06-29 | 航天信息股份有限公司 | Risk level assessment method and device |
| CN103886501B (en) * | 2014-04-08 | 2017-04-26 | 苏州大学 | Post-loan risk early warning system based on semantic emotion analysis |
| WO2018202175A1 (en) * | 2017-05-05 | 2018-11-08 | 平安科技（深圳）有限公司 | Interbank asset monitoring system and method |
-
2006
- 2006-09-05 CN CNA2006101128525A patent/CN1916956A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103886501B (en) * | 2014-04-08 | 2017-04-26 | 苏州大学 | Post-loan risk early warning system based on semantic emotion analysis |
| CN105719181A (en) * | 2014-12-05 | 2016-06-29 | 航天信息股份有限公司 | Risk level assessment method and device |
| WO2018202175A1 (en) * | 2017-05-05 | 2018-11-08 | 平安科技（深圳）有限公司 | Interbank asset monitoring system and method |
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