KR20090093159A - The system for company credit rating using the recommendation of professional group - Google Patents

Abstract

A company credit evaluation system and a method thereof using a recommendation of a professional organization according to the reliability of the calculated professional organization are provided to supply the credit evaluation through the recommendation of the professional organization. A web server(210) receives present enterprise condition and recommended point of evaluated target company according to the evaluation item. A special group management unit(221) computes the reliability of the professional organization from the recommended data of the professional organization inputted through the web server. According to the reliability of the calculated professional organization, the recommendation score which the professional organization inputs through the web server is added and is subtracted. A credit evaluation processor(222) produces a credit evaluation grade.

Description

The system for company credit rating using the recommendation of professional group}

The present invention relates to a corporate credit evaluation system using the recommendation of a professional organization, and more particularly, receiving a recommendation score for the evaluation target company from a professional organization connected to the web server of the credit rating company, The system and method for calculating the corporate credit rating of a company to be evaluated by estimating the credibility of a specialized organization from the previously entered recommendation results and adding or subtracting the recommendation score inputted by the specialized organization according to the calculated reliability of the specialized organization. will be.

In recent years, with the spread of the Internet, business to business (B2B), which trades goods and services between companies through the Internet, has become widespread.

Since B2B supports online business transactions through standardized procedures, companies that use them can streamline internal and external business, shorten delivery times, reduce transaction costs, secure bilateral electronic payments, and communicate with internal information systems. Benefits such as efficient linkage can be obtained, but due to the nature of online trading, it is necessary to evaluate the credit and risk of other companies before trading.

On the other hand, in Korea, companies are required to submit credit ratings for bidding public institutions such as Public Procurement Service, local governments and public corporations. To this end, it is actively using corporate credit rating services through credit rating agencies.

However, corporate credit ratings are generally based on various documents submitted by the rating company to the rating agency and data and information surveyed by the rating agency itself. The method of evaluating the creditworthiness of a company by its own research has several problems.

First, the reliability of the documents submitted by the company under assessment cannot be guaranteed. In other words, a company to be evaluated may make and submit a false document containing facts and other information in order to obtain a higher credit rating, and it is limited for the credit bureau to accurately determine the authenticity of all documents provided by the company. There is.

Second, there is a possibility that the subject company may deliberately omit important information or not notify the credit rating agency in order to hide the information against the company.

Third, since the evaluation target companies are composed of various companies by industry and industry, there is a problem that the rating agency may have a lack of understanding of the characteristics of the evaluation target companies by industry and industry, compared to the experts closely related to the industry. .

Fourth, there is a problem that it takes a lot of time and money for the credit rating agency to accurately collect the position, reputation or current situation of the subject company by its own efforts.

Therefore, there is a demand for research and development of a system that enables a credit rating agency to evaluate credits of companies in various industries more accurately and easily.

The present invention solves the problems of the prior art described above. That is, the object of the present invention is to receive a recommendation score for the evaluation target company from a professional organization connected to the web server of the credit rating company, the full text according to the professional group reliability calculated from the recommendation results previously input by the specialized organization By calculating the corporate credit rating of the company to be evaluated by adding or subtracting the recommendation score input by the group, it is possible to calculate a more accurate corporate credit rating of the company to be evaluated, and to reduce the time required to collect data for credit evaluation. It's about making credit rating work possible.

The present invention as a technical idea for achieving the above object, by providing a web service for the registration and recommendation of the evaluation target company to the specialized organization terminal through the Internet, the evaluation target company by the evaluation items differentiated by specialized areas from the specialized organization A web server for receiving a company status and recommendation score of the; A professional group management unit for managing information on a professional group and calculating the reliability of the professional group from recommendation data of the professional group input through the web server; A credit rating processing unit that manages information on a company to be evaluated and calculates a credit rating grade by adding or subtracting a recommendation score input by a professional group through the web server according to the reliability of the professional group calculated by the professional group management unit; Business credit using the recommendation of the professional organization, characterized in that it comprises a; database unit that is connected to the web server, professional organization management unit and credit evaluation processing unit, and stores the information and credit evaluation results of the professional organization and the evaluation target company Provide an evaluation system.

In addition, the present invention provides an evaluation target company registration step of providing an evaluation target company registration screen to a terminal of a professional organization connected to a web server to receive and register company information on an evaluation target company to receive a credit evaluation; An evaluation target company recommendation step of receiving, by a web server, an enterprise status and recommendation score of the evaluation target company for each evaluation item belonging to the specialized area of the specialized organization from the specialized organization; A credit rating server calculating step of calculating, by the credit rating server, an enterprise credit rating which is added or subtracted according to the credibility of the relevant professional organization from the recommendation scores for each evaluation item inputted in the evaluation target company recommendation step; If the credit rating server reaches the preset number of recommendations, the rating agency will make a recommendation score for each evaluation item entered by the professional group and the status of companies in each evaluation item. A corporate credit evaluation method using the recommendation of a professional organization, comprising: a self-assessment score set by the self-assessment score, and a professional group reliability calculation step of calculating a professional group reliability to be applied to the subsequent corporate credit rating evaluation. To provide.

The corporate credit evaluation system and method thereof according to the present invention can be provided with important information for credit evaluation through recommendation of a professional organization that is closely related to the company to be evaluated, thereby providing more accurate credit for the company to be evaluated. There is an effect that can provide an evaluation.

In addition, instead of collecting various types of data for self-assessment, we use recommendation data provided by specialized organizations, thereby reducing the time and cost of data collection, thereby increasing the efficiency of credit rating companies and enhancing their competitiveness. There is also an effect.

1 is a block diagram of a corporate credit evaluation system according to an embodiment of the present invention.

2 is a flow chart showing a business credit evaluation procedure according to an embodiment of the present invention.

3 is a view showing an example of a web page provided through the evaluation item query step shown in FIG.

FIG. 4 is a flow chart showing the detailed procedure of the professional organization reliability calculation step shown in FIG.

<Description of the symbols for the main parts of the drawings>

100: professional organization terminal 210: web server

220: credit rating server 221: professional organization management

222: credit evaluation processing unit 250: database unit

251: Professional organization DB 252: Evaluation target company DB

253: Evaluation result DB 254: Evaluation item DB

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a corporate credit evaluation system according to an embodiment of the present invention.

As shown in FIG. 1, the corporate credit evaluation system 200 according to an embodiment of the present invention is a web server that provides a web service for registration and recommendation of an evaluation target company to a specialized organization terminal 100 through the Internet. (210), a credit rating server 220 for calculating the reliability of the professional group from the accumulated recommendation data of the specialized group, and calculating a credit rating grade reflecting the reliability of the professional group from the recommendation data inputted by the professional group; It is connected to the web server 210 and the credit rating server 220, and comprises a database unit 250 for storing information and credit evaluation results of professional organizations and evaluation target companies.

The web server 210 provides an input screen for registering an evaluation target company from a specialized organization connected through the Internet, and various evaluation items differentiated by the specialized areas of the specialized organization for recommendation of the registered evaluation target company. In addition, the company status list corresponding to the list of answers to each queried evaluation item is provided to receive the company status for each evaluation item from a specialized organization, and a recommendation score reflecting the opinion of the professional organization is input to the entered company status. Get input.

The credit rating server 220 is composed of a professional group management unit 221 for managing information about a professional organization, and a credit evaluation processing unit 222 for calculating a credit rating grade reflecting the reliability of the professional group.

The professional group management unit 221 calculates the reliability of the professional group by using the recommendation data inputted by the professional group. The evaluation score set by the company for each evaluation item input by the specific professional group (hereinafter, The reliability of the professional organization is calculated by comparing the average score obtained from the self-evaluation score) and the average score obtained from the recommendation score input by the professional organization.

The reliability of the professional group calculated as described above is used as an index for calculating the credit rating level by subtracting or reducing the recommendation score input by the professional group for the new evaluation target company in the credit rating processing unit 222. 222) calculates the average recommendation score of the target company to be evaluated from the recommendation score for each evaluation item input by the professional organization, and calculates the final average score by adding or subtracting the calculated average recommendation score according to the reliability of the professional organization, Calculate the credit rating of the company to be evaluated.

Database unit 250 is a professional group DB (251) that stores information about the professional organization, such as professional organization name, specialty area, reliability, and evaluation to store information about the evaluation target company, such as the name of the subject company, business type, size Target company DB (252), evaluation results DB (253) that stores the rating results calculated by the rating agency 222 and the recommendation results entered by the professional organization for each evaluation target company, and the web server 210 Is composed of an evaluation item DB (254) that stores the evaluation items to be queried to the professional organization terminal (100) side and a list of answers for each evaluation item.

Here, the evaluation items DB 254, as shown in Table 1 below, the evaluation items that are queried on the web page provided by the web server 210 to the professional group terminal 100 is divided by the professional area of the professional group In addition to this, a list of companies that are provided as selectable answers for each evaluation item is stored. The list of answers for each evaluation item can be composed of various answers depending on the evaluation item, but the status of companies that can be classified into concepts such as very good, good, normal, low and very low for each evaluation item is clearly explained in a descriptive form. It is preferable that it is composed of the described sentences, a detailed example thereof will be described later.

Specialized Area Main evaluation items Applicable professional organization Accounting, Financial Information Accounting transparency, financial management status Accounting firm, accountant, tax accountant Government Procurement Public procurement related contents such as government procurement record MAS consulting company (Procurement Researcher, etc.) Industrial property rights Effectiveness and economic value of trademarks, patents, international patents, utility models, designs, etc. Patent Corporation, Patent Office …

2 is a flowchart illustrating a business credit evaluation procedure according to an embodiment of the present invention, and FIG. 3 is a diagram illustrating an example of a web page provided through the evaluation item query step shown in FIG. 2.

Hereinafter, a corporate credit evaluation method according to an embodiment of the present invention using the corporate credit evaluation system 200 configured as described above with reference to FIG. 2 will be described.

First, the professional organization accesses the credit rating company's web server 210 by its terminal (S10), and if not registered as a professional organization member, registers as a member of the rating agency's website (S20).

After the professional organization that accesses the website is already registered as a professional organization member, or after joining as a member through the above step S20, the professional organization is to be evaluated by the evaluation target company registration screen provided on the web page. Register the company to be evaluated by inputting the company name, industry type, size, etc. (S30).

Thereafter, the web server 210 reads the evaluation items belonging to the specialized area of the professional organization from the evaluation item DB 254, and as shown in FIG. 3, a query for each evaluation item, a list of answers thereto, and a recommendation score. It outputs sequentially through the web page including the input window (S40), and receives the company status and recommendation scores of the companies to be evaluated for each evaluation item from a professional organization (S50). Here, the recommendation score may be directly input as a numerical value, or directly received a symbol corresponding to the recommendation grade, or may be selected from a list and replaced with a score converted into a numerical value.

Subsequently, the credit rating processing unit calculates an average recommendation score of the corresponding evaluation target company from the recommendation score for each evaluation item inputted through the step S50, and adds or subtracts the calculated average recommendation score according to the reliability of the corresponding professional group to final final score. By calculating the, based on the final average score to calculate the corporate credit rating of the target company (S60). The process of calculating the corporate credit rating according to the reliability of a professional organization will be described in detail later.

Here, the reliability of the professional group is calculated through the professional group reliability calculation step (S90) to be described below. When the professional group reliability is initially calculated, it is not a recommendation score for each evaluation item input through the S50 step. The company's credit rating is calculated using the self-assessment score of each evaluation item. That is, the total average score is calculated from the self-assessment score of each evaluation item by applying the self-evaluation score set by the credit rating agency for each company status with respect to the company status by the evaluation item input through the S50 step, and from this, Calculate the corporate credit rating of the subject company.

Thereafter, the credit rating processing unit stores the company status and recommendation score for each evaluation item input in step S50 and the company credit rating calculated in step S60 in the evaluation result DB 253 (S70).

Subsequently, the professional group management unit 221 calculates the cumulative recommendation number of the professional group, that is, the number of the evaluation target companies that have completed the recommendation including the currently recommended evaluation target company and compares it with the preset number of recommendations. It is determined whether or not it is necessary to newly calculate the credibility of the professional organization to be applied to the corporate credit rating evaluation (S80), and when the preset number of recommendations is reached, the recommendation score for each evaluation item input by the professional organization using the accumulated recommendation data. And, by comparing the self-evaluation score set by the credit rating agency with respect to the company status by each evaluation item inputted by the professional organization, the reliability of the professional group to be applied to the subsequent corporate credit rating evaluation is calculated. It is stored in the group DB (251) (S90). As described above, the reliability of the professional organization can be more accurately calculated using the accumulated recommendation data after a sufficient number of recommendation data have been accumulated to reduce the statistical error in calculating the professional organization reliability.

On the other hand, if the predetermined number of recommendations is not reached in step S80, the process returns to step S30 to repeatedly perform the corporate credit rating evaluation for the new evaluation target company.

As such, by repeatedly performing the following steps from step S30, the number of recommendations for which the professional group has completed the recommendation to the evaluation target company increases. If the cumulative recommendation number in the current recommendation section satisfies the designation number of the recommendation section in step S80, the reliability of the professional group to be applied to the next recommendation section is calculated in step S90. After that, the process may return to step S30 to start a new recommendation section.

Here, it is preferable that the number of designations for each recommendation section is set to increase as the recommendation section increases, thereby effectively reducing the system load required for reliability calculation. In addition, from the next section excluding the first section, it is more efficient to calculate the reliability using only recommendation results randomly extracted by a predetermined number of samples instead of the overall recommendation results accumulated in the section in the professional group reliability calculation step (S90). Hereinafter, a detailed procedure of performing the professional group reliability estimation step in this manner will be described in detail.

FIG. 4 is a flowchart illustrating a detailed procedure of the professional organization reliability calculation step illustrated in FIG. 2.

As shown in FIG. 4, first, a sample for calculating reliability is extracted from the cumulative recommendation results of the evaluation target companies in the corresponding recommendation section (S91), and for each evaluation item inputted by a professional organization for each of the extracted samples. After calculating the average recommendation score for each sample from the recommendation score, the average recommendation scores of all the samples are aggregated (S92). Here, the number of samples extracted for each recommendation section is preferably set to decrease as the recommendation section increases, thereby effectively reducing the system load required for reliability calculation.

Subsequently, the self-assessment score set in advance for each company status is given to each of the extracted samples by referring to the company status for each evaluation item inputted by a specialized organization, and the average self-assessment score for each sample is calculated from the self-assessment score for each evaluation item. After the calculation, the average self-assessment score of all the samples is aggregated (S93).

Subsequently, using the sum of the average recommendation score obtained in step S92 and the average self evaluation score obtained in step S93, a reliability evaluation index is calculated from each sum ratio as shown in Equation 1 below (S94).

(Where RI is the reliability evaluation index, n _{s is the} number of samples, a1 is the average of the recommended scores for each evaluation item inputted by the professional body, and a2 is the average of the self-assessment scores by each evaluation item).

Finally, the reliability of the corresponding professional organization is calculated using the reliability level preset for each section of the reliability evaluation index according to the calculated reliability evaluation index (S95). For example, if the reliability rating for each section of the reliability evaluation index is set as shown in Table 2 below, when the reliability evaluation index of the professional group calculated in step S94 is 0.7, the step S95 is applied to the reliability of the professional group. If the second stage is given a low score of 80 out of 100, and the average of the recommendation scores entered by the professional body is 90 in the step S60, which is subsequently performed again for the new subject, the reliability of the professional body is determined. In consideration of the effect (10 points deduction), 80 points from 10 points deducted from the average recommendation point are calculated as final evaluation points, and these are designated as corporate credit ratings of the target companies.

Reliability Evaluation Index Reliability validity 0.0 to 0.59 70 20 points deduction 0.6 to 0.79 80 10 points deduction 0.8 to 0.99 90 maintain 1.0 to 1.19 100 10 points 1.2 to 90 maintain

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

Claims (14)

A web server for providing a web service for registration and recommendation of the evaluation target company to the specialized organization terminal through the Internet, and inputting the current status and recommendation scores of the evaluation target companies for each evaluation item differentiated by the specialized area from the specialized organization; A professional group management unit for managing information on a professional group and calculating the reliability of the professional group from recommendation data of the professional group input through the web server; A credit rating processing unit that manages information on a company to be evaluated and calculates a credit rating grade by adding or subtracting a recommendation score input by a professional group through the web server according to the reliability of the professional group calculated by the professional group management unit; A database unit connected to the web server, a professional group management unit, and a credit evaluation processing unit to store information of the professional group and the evaluation target company and the credit evaluation result; Corporate credit rating system using the recommendation of a professional organization characterized in that comprises a. The method of claim 1, The database unit includes a professional group DB for storing professional group information including a professional group name, a specialized area, and reliability; An evaluation target company DB that stores information about the evaluation target company including the name of the target company, the type of business, and the scale; An evaluation item DB storing an evaluation item to be queried from the web server to a specialized group terminal and an answer list for each evaluation item; An evaluation result DB in which a recommendation result input by a specialized organization for each evaluation target company and credit rating information calculated through the credit evaluation processing unit are stored through the web server; Corporate credit evaluation system using the recommendation of a professional organization, characterized in that consisting of. The method of claim 2, In the evaluation item DB, Evaluation items that are queried through the web page provided to the professional group terminal by the web server are classified and stored for each specialized area of the professional group, Corporate credit rating system using a recommendation of a professional organization characterized in that the list of the company status provided as a selectable answer for each of the evaluation items is stored. In the method of providing a corporate credit rating service using a web server connected to a terminal of a professional organization over the Internet and a credit rating server connected to a web server, An evaluation target company registration step of providing an evaluation target company registration screen to a terminal of a professional organization connected to a web server to receive and register company information on an evaluation target company to receive a credit evaluation; An evaluation target company recommendation step of receiving, by a web server, an enterprise status and recommendation score of the evaluation target company for each evaluation item belonging to the specialized area of the specialized organization from the specialized organization; A credit rating server calculating step of calculating, by the credit rating server, an enterprise credit rating which is added or subtracted according to the credibility of the relevant professional organization from the recommendation scores for each evaluation item inputted in the evaluation target company recommendation step; If the credit rating server reaches the preset number of recommendations, the rating agency will make a recommendation score for each evaluation item entered by the professional group and the status of companies in each evaluation item. A professional organization reliability calculation step of estimating the professional organization reliability to be applied to the subsequent corporate credit rating evaluation by comparing the self evaluation scores set by itself; Corporate credit evaluation method using the recommendation of a professional organization characterized in that comprises a. The method of claim 4, wherein The evaluation target company recommendation step, The web server provides a web page that includes evaluation items belonging to the professional area of the professional organization, a list of companies of the evaluation target companies that can be selected for each evaluation item, and a recommendation score input window. Corporate credit evaluation method using the recommendation of the professional organization characterized in that the entry of the company status and recommendation score by item. The method of claim 5, The recommendation score is, Corporate credit evaluation method using a recommendation of a professional organization, characterized in that directly inputted by the numerical value, or received the recommendation grade is converted from the input recommendation grade. The method of claim 4, wherein The credit rating calculation step is, The average recommendation score of the evaluation target company is calculated from the recommendation score for each evaluation item inputted by the professional organization, and the final average score is calculated by adding or subtracting the calculated average recommendation score according to the reliability of the professional organization. Corporate credit rating method using the recommendation of a professional organization, characterized in that for calculating the corporate credit rating of the target company based on the final average score. The method of claim 4, wherein In the credit rating calculation stage, If the reliability of the professional organization was calculated before, the credit rating companies by the current status of the company may be referred to by referring to the company status of each evaluation item input in the evaluation company recommendation step instead of the recommendation score of each evaluation item entered in the evaluation company recommendation step. Corporate credit rating method using the recommendation of a professional organization, characterized in that to calculate the corporate credit rating based on the self-evaluation score set by itself. The method of claim 4, wherein The professional group reliability calculation step, The total recommendation result of the professional group is divided into recommendation sections based on the number of designated sections, and when the cumulative recommendation number in the final recommendation section satisfies the designated number of the recommendation section, cumulative recommendation data in the recommendation section Corporate credit evaluation method using the recommendation of the professional body, characterized in that to calculate the reliability of the professional body to be applied to the next recommendation section. The method of claim 9, The number of designations for each recommendation section is set to increase as the recommendation section increases. The method of claim 9, The professional group reliability calculation step, From the next section except for the first section, a professional group recommends that a predetermined number of samples are randomly extracted from the total recommendation results accumulated in the corresponding section, and the reliability of the professional organization is calculated from the samples extracted according to the number of samples. Corporate Credit Evaluation Method The method of claim 11, The professional group reliability calculation step, Corporate credit evaluation method using the recommendation of a professional organization characterized in that the number of samples extracted for each recommendation section is set to decrease as the recommendation section increases. The method of claim 9, The professional group reliability calculation step, Extracting a sample for estimating reliability from the cumulative recommendation results of each target enterprise for the recommendation section; Calculating average recommendation scores for each sample from recommendation scores for evaluation items inputted by a professional organization for each of the extracted samples, and then calculating average recommendation scores for all samples; The self-assessment score for each evaluation item is given by referring to the company status of each evaluation item of the extracted samples, the average self-assessment score for each sample is calculated from the self-assessment score for each evaluation item, and then the average self-assessment score for all the samples. Aggregating; Calculating a reliability evaluation index using a ratio obtained from the sum of the average recommendation score and the average self evaluation score; Calculating the reliability of the professional organization according to the calculated reliability evaluation index; Corporate credit evaluation method using the recommendation of a professional organization, characterized in that consisting of. The method of claim 13, In the reliability evaluation index calculation step, Reliability evaluation index is a corporate credit evaluation method using the recommendation of a professional organization characterized in that it is calculated through the following formula. (Equation) (RI: Reliability Evaluation Index, n _s : Number of Samples, a1: Average of Recommended Scores by Evaluation Items, a2: Average of Self Evaluation Scores by Evaluation Items)