TWI716793B - Corporate customer smart target system and method - Google Patents
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本發明係關於一種基於大數據的智慧探勘系統與方法,特別是一種應用於金融客戶的智慧探勘系統與方法。The present invention relates to a smart exploration system and method based on big data, in particular to a smart exploration system and method applied to financial customers.
在現今大數據的時代,為能有效率地開發潛在客戶,許多企業使用數據分析方法初步找出合適的客戶名單,並根據不同的分析結果加以分類,以幫助企業能針對不同性質的客戶提供服務。In the era of big data, in order to efficiently develop potential customers, many companies use data analysis methods to initially find suitable customer lists, and classify them according to different analysis results to help companies provide services for customers of different natures .
然而,在金融產業裡,因為資訊變動快速,並且企業的需求隨時會改變,所以其數據分析的細部流程常需要人為更新與維護,才能及時反應出企業的需求。但是,藉由人為更新後的數據分析方法,往往需要經過多次試算與修正才能啟用,其更新速度經常無法即時跟上金融產業的環境變動,並且其所耗費的時間與成本,對企業而言也是一項額外的負擔。However, in the financial industry, because information changes rapidly and the needs of enterprises can change at any time, the detailed procedures of data analysis often need to be updated and maintained manually to reflect the needs of enterprises in a timely manner. However, artificially updated data analysis methods often require multiple trial calculations and corrections before they can be used. The update speed often cannot keep up with the changes in the financial industry’s environment in real time, and the time and cost it takes are for companies. It is also an additional burden.
因此,目前尚需要一種企金客戶智慧探勘系統與方法,以改善上述問題。Therefore, there is still a need for a smart exploration system and method for corporate finance customers to improve the above problems.
本發明在於提供一種企金客戶智慧探勘系統與方法,能根據分析結果與實際條件的差異,自行修正其分析方法的細部流程,以便應用在金融產業。The present invention is to provide a smart exploration system and method for enterprise financial customers, which can modify the detailed flow of the analysis method according to the difference between the analysis result and the actual conditions, so as to be applied in the financial industry.
本發明關聯於一種企金客戶智慧探勘方法,包含:以一運算器從一記憶體取得包含多個金融特徵的一客戶資料,並以該運算器根據該些金融特徵、多個初始篩選條件與多個初始加權量,產生一初始評分;以該運算器根據該初始評分、一綜合篩選條件與一綜合加權量產生一綜合評分,並比較該綜合評分及至少一評等基準以取得一評等結果;以及以該運算器傳送該綜合評分到該記憶體並傳送該評等結果到一顯示介面,以供該顯示介面呈現該評等結果; 其中該些金融特徵之中的每一個係關聯於該些初始篩選條件之中的多個,而該綜合篩選條件係關聯於該些初始篩選條件之中的多個,且關聯於該綜合篩選條件的該些初始篩選條件係關聯於不同的該金融特徵。The present invention is related to a smart exploration method for corporate financial customers, which includes: obtaining a customer data containing multiple financial characteristics from a memory by an arithmetic unit, and using the arithmetic unit to obtain data based on the financial characteristics, a plurality of initial screening conditions, and Multiple initial weights to generate an initial score; the calculator generates a comprehensive score according to the initial score, a comprehensive screening condition, and a comprehensive weight, and compares the comprehensive score and at least one ranking standard to obtain a ranking Result; and using the arithmetic unit to send the comprehensive score to the memory and send the rating result to a display interface for the display interface to present the rating result; wherein each of the financial characteristics is associated with A plurality of the initial screening conditions, and the comprehensive screening condition is related to a plurality of the initial screening conditions, and the initial screening conditions related to the comprehensive screening condition are related to different financial feature.
一種企金客戶智慧探勘系統,包含:一記憶體,用於儲存包含多個金融特徵的一客戶資料、多個初始篩選條件、多個初始加權量、一綜合篩選條件、一綜合加權量、至少一評等範圍、一綜合評分、一參考評分與一預設調整範圍;一運算器,電性連接於該記憶體以取得該客戶資料、該些初始篩選條件、該些初始加權量、該綜合篩選條件、該綜合加權量、該至少一評等範圍、該綜合評分、該參考評分與該預設調整範圍,用於根據該些金融特徵、該些初始篩選條件與該些初始加權量,產生一初始評分,以及根據該初始評分、該綜合篩選條件與該綜合加權量產生該綜合評分並傳送至該記憶體,並比較該綜合評分及至少一評等範圍以產生一評等結果;以及一顯示介面,電性連接於該運算器,用於接收該運算器傳送的該評等結果,並呈現該評等結果。A smart exploration system for corporate financial customers, including: a memory for storing a customer data containing multiple financial characteristics, multiple initial screening conditions, multiple initial weights, a comprehensive screening condition, a comprehensive weight, at least A rating range, a comprehensive score, a reference score, and a preset adjustment range; an arithmetic unit is electrically connected to the memory to obtain the customer data, the initial screening conditions, the initial weights, and the comprehensive The screening conditions, the comprehensive weighting amount, the at least one rating range, the comprehensive score, the reference score, and the preset adjustment range are used to generate according to the financial characteristics, the initial screening conditions, and the initial weighting amounts An initial score, and generating the comprehensive score according to the initial score, the comprehensive screening condition, and the comprehensive weighting amount and transmitting it to the memory, and comparing the comprehensive score and at least one rating range to generate a ranking result; and The display interface is electrically connected to the arithmetic unit, and is used for receiving the rating result sent by the arithmetic unit and presenting the rating result.
本發明在於提供一種企金客戶智慧探勘系統與方法,能根據不同的金融特徵分析多個潛在客戶,將部分的分析結果與實際資料做比較,並根據比較結果自動修正分析方法,以便應用在金融產業。The present invention is to provide a smart prospecting system and method for enterprise financial customers, which can analyze multiple potential customers according to different financial characteristics, compare part of the analysis results with actual data, and automatically modify the analysis method according to the comparison results for application in finance industry.
以上之關於本揭露內容之說明及以下之實施方式之說明係用以示範與解釋本發明之精神與原理,並且提供本發明之專利申請範圍更進一步之解釋。The above description of the content of the disclosure and the description of the following embodiments are used to demonstrate and explain the spirit and principle of the present invention, and to provide a further explanation of the patent application scope of the present invention.
以下在實施方式中詳細敘述本發明之詳細特徵以及優點,其內容足以使任何熟習相關技藝者了解本發明之技術內容並據以實施,且根據本說明書所揭露之內容、申請專利範圍及圖式,任何熟習相關技藝者可輕易地理解本發明相關之目的及優點。以下之實施例係進一步詳細說明本發明之觀點,但非以任何觀點限制本發明之範疇。The detailed features and advantages of the present invention are described in detail in the following embodiments, and the content is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of patent application and the drawings Anyone who is familiar with the relevant art can easily understand the related purpose and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention by any viewpoint.
請參考圖1,圖1為企金客戶智慧探勘系統1的結構圖。如圖1所示,企金客戶智慧探勘系統1包含記憶體11、運算器13和顯示介面15。記憶體11可以是任意一種硬碟,或其他具有儲存功能的裝置,用於儲存包含多個金融特徵的客戶資料、多個初始篩選條件、多個初始加權量、綜合篩選條件、綜合加權量、至少一評等範圍、綜合評分、參考評分與預設調整範圍。運算器13可以是中央處理器(central processor unit, CPU)或其他具有運算功能的裝置,與記憶體11電性連結,用於計算並分析儲存於記憶體11內的客戶資料。詳細來說,運算器13可根據該些初始篩選條件與該些初始加權量產生初始評分,再根據初始評分、綜合篩選條件和綜合加權量產生綜合評分,並且可透過比較該綜合評分以及至少一評等範圍,針對此客戶資料產生評等結果,以做為評估潛在客戶的參考。此外,當綜合評分與參考評分之間的差異值落入預設調整範圍,運算器13可依據差異值選擇性地調整上述之各加權量與篩選條件,以使綜合評分與參考評分之間的值可以互相近似。顯示介面15可以是任一種能與運算器13互相連結的顯示裝置,例如與運算器13電性連結的螢幕,或是可透過無線傳輸與運算器13通訊連結的平板顯示器。於本發明中,顯示介面15用於接收來自運算器13的評等結果,並呈現此評等結果。簡單來說,本發明所揭示的企金客戶智慧探勘系統1係以運算器13為運作之核心,針對記憶體11儲存的客戶資料加以計算並分析,產生多種分析結果並以顯示介面15呈現,以便使用者能透過該些分析結果,更有效率地找出潛在客戶。Please refer to Figure 1. Figure 1 is a structural diagram of the
為詳細地說明企金客戶智慧探勘系統1的分析方法,請參考圖2。圖2為本發明一實施例企金客戶智慧探勘方法的流程圖。首先,請參考步驟S11:以運算器13從記憶體11取得包含多個金融特徵的客戶資料,並根據該些金融特徵、多個初始篩選條件與多個初始加權量,產生初始評分;其中,上述之多個初始篩選條件關聯於該些金融特徵,並各別對應初始加權值,並透過初始加權值計算出初始加權量。需注意的是,依據不同的金融特徵,該些初始篩選條件的數量與該些初始加權量的數值亦有所不同。舉例來說,金融特徵可以是該客戶的營收成長率,初始篩選條件則可依據營收成長率的數值範圍而區分,並針對不同的數值範圍,設定不同的初始加權值,並以營收成長率的實際數值乘上初始加權值,以得到初始加權量。當運算器13產生初始評分後,請參考步驟S13:以運算器13根據初始評分、綜合篩選條件與綜合加權量產生綜合評分;其中綜合評分可為依據上述之多個金融特徵所歸屬的綜合篩選條件,以對該筆客戶資料的初步評分配合綜合加權量更進一步地做加權計算。舉例來說,假設該筆客戶資料的金融特徵包含營收成長率、營業利益率和稅前純益率,並產生初步評分,且上述三種金融特徵的初始加權量皆為正數(表示此客戶的整體營收為正成長) ,則運算器13再對該初步評分做一次加權計算,以凸顯此客戶的金融潛力。For a detailed description of the analysis method of enterprise financial customer
請繼續參考圖2。當運算器13產生綜合評分後,請參考步驟S15:以運算器13比較綜合評分與參考評分並產生差異值;其中參考評分可以是與企業長期並穩定來往的數個客戶,依據實際的合作經驗而建立,以便運算器13能依據該差異值,將計算結果與實際經驗做比較。當運算器13產生差異值後,請參考步驟S17:當差異值落入預設調整範圍中,以運算器13根據該差異值選擇性地調整該些初始加權量與該綜合加權量,並根據該些金融特徵、該些初始篩選條件、該綜合篩選條件及該些經過選擇性調整的初始加權量及綜合加權量產生調整綜合評分;簡單來說,當差異值落入預設調整範圍中,表示綜合評分與參考評分之間可能具有一定程度的差距,因此需修正上述之篩選條件或加權量,以使計算結果能更接近實際情形。當運算器13產生調整綜合評分後,請參考步驟S19:以調整綜合評分更新步驟S13所產生的綜合評分;其中調整綜合評分為運算器13依據經過選擇性調整的初始加權量及綜合加權量而產生。接續,請參考步驟S21:以運算器13比較綜合評分及至少一評等範圍以產生評等結果;其中該評等範圍可以是任意一種能將多筆綜合評分加以區分的統計值,例如所有客戶資料的綜合評分的平均值,或是其前標、均標與底標等,於本發明中不加以限制。當運算器13產生評等結果後,請參考步驟S23:以運算器13傳送綜合評分到記憶體11並傳送評等結果到顯示介面15,以供該顯示介面15呈現該評等結果;於此步驟中,評等結果可以列表的形式被呈現於顯示介面15,綜合評分則可以列表的形式被儲存於記憶體11。Please continue to refer to Figure 2. After the
需注意的是,上述的步驟S15至S19係透過調整各篩選條件與各加權量,以使綜合評分能趨近於參考評分。因此,當綜合評分與參考評分很接近時,此方法可省略上述的步驟S15至S19,僅執行步驟S13、S15、S21與S23並產生綜合評分與評等結果,以減少運算所耗費的時間。It should be noted that the above-mentioned steps S15 to S19 are achieved by adjusting each screening condition and each weighting amount, so that the comprehensive score can approach the reference score. Therefore, when the comprehensive score is very close to the reference score, this method can omit the above-mentioned steps S15 to S19, and only perform steps S13, S15, S21, and S23 to generate a comprehensive score and rating result, so as to reduce the time spent in calculation.
另外,需補充說明的是,每一個金融特徵皆具有特徵值或預設值,其中該特徵值係關聯於該金融特徵的該些初始篩選條件,並且該些初始篩選條件之中僅有一個對應於該特徵值。舉例來說,前面段落所提到的營收成長率、營業利益率和稅前純益率,其金融特徵的相關資料即為一個以百分比形式呈現的數據,而此數據即為該些金融條件的特徵值,並且藉由與該特徵值相對應的初始篩選條件,可進一步計算出該金融條件的初始加權量;此類型的金融特徵可稱為「數值型金融特徵」。另一方面,因部分的金融條件數據差異範圍較大(例如,負債比率),或是資料係以評等的形式呈現(例如,TCRI評等),因此具有上述特點的金融條件,其初始篩選條件可以數據範圍或評等範圍的形式呈現,並且不同的數據範圍或評等範圍,可對應不同的初始加權量,以增加此計算方法的整體性;此外,此類型的金融特徵又可稱為「級數型金融特徵」。In addition, it should be supplemented that each financial feature has a feature value or a preset value, wherein the feature value is related to the initial screening conditions of the financial feature, and only one of the initial screening conditions corresponds to At the characteristic value. For example, in the revenue growth rate, operating profit rate, and pre-tax net profit rate mentioned in the previous paragraph, the relevant information on financial characteristics is a data presented in the form of a percentage, and this data is the financial condition The characteristic value, and by the initial screening conditions corresponding to the characteristic value, the initial weighting of the financial condition can be further calculated; this type of financial characteristic can be called "numerical financial characteristic". On the other hand, because some financial conditions data have a large range of differences (for example, debt ratio), or the information is presented in the form of ratings (for example, TCRI ratings), the financial conditions with the above characteristics are initially selected Conditions can be presented in the form of data range or rating range, and different data ranges or rating ranges can correspond to different initial weights to increase the integrity of this calculation method; in addition, this type of financial feature can also be called "Serial Financial Features."
為具體地說明企金客戶智慧探勘方法的計算流程,請參考圖3,圖3為本發明一實施例企金客戶智慧探勘方法的運算示意圖。圖3所示的A到E分別為不同的金融特徵,a1到e3為初始篩選條件,aw1到ew3為每一初始篩選條件所對應的初始加權量,IS1和IS2皆為初始評分,sw1與sw2為綜合加權量,SS1和SS2則為綜合評分。於本實施例中,前述的金融特徵包含營收成長率A、營業利益率B、稅前純益率C、負債比率D和TCRI評等E,其對應的篩選條件與加權量如下: 表1
為進一步說明綜合篩選條件和綜合加權量,請繼續參考圖3。為更能有效開發具金融潛力的客戶,使用者可依據不同的初始篩選條件,設計不同的綜合篩選條件和綜合加權量。舉例來說,假設首要目標客群係鎖定該企業之整體營收為正成長且皆有獲利,自有資金充足負債比率低,並且TCRI信用評等屬優等條件,則第一組綜合篩選條件和綜合加權量可設定如表2 表2
為說明上述列表,本段落將以表4與表5所示的兩筆客戶資料舉例說明。 表4
為能具體地說明後續的計算流程,於本實施例中,前述的差異值定義為:差異值=參考評分-綜合評分。假設甲客戶的參考評分為40分,乙客戶的參考評分為30分,預設調整範圍為差異值大於5分(不包含5分),故可得知甲客戶的差異值為5.125,而乙客戶的差異值為6.55;因兩者的差異值皆落入預設調整範圍中,故運算器13會選擇性地調整上述的初始加權量與綜合加權量,再次計算並產生調整綜合評分,以取代原先的綜合評分。舉例來說,於本實施例中,兩筆客戶資料的綜合評分皆低於參考評分,因此運算器13可提高營收成長率A的初始加權值(即圖3的aw1),或是同時提高Group 1與Group 2的綜合加權值(即圖3的sw1與sw2),以產生新的綜合評分並將其再次與參考評分做比較,以逐步使綜合評分能趨近於參考評分。另一方面,假設甲客戶為穩定來往且合作記錄優良的客戶,因其參考評分可能較乙客戶更具有指標性,所以運算器13可先依據甲客戶的差異值,逐步調整初始加權量與綜合加權量,待甲客戶的綜合評分能趨近於參考評分後,再以調整過的初始加權量與綜合加權量對乙客戶的資料做運算,以使整個運算流程能更有效率。In order to specifically illustrate the subsequent calculation process, in this embodiment, the aforementioned difference value is defined as: difference value = reference score-comprehensive score. Assuming that the reference score of customer A is 40 points, the reference score of customer B is 30 points, and the preset adjustment range is that the difference value is greater than 5 points (not including 5 points), so the difference value of customer A is 5.125, and the difference The customer difference value is 6.55; because the difference values of the two fall within the preset adjustment range, the
值得一提的是,上述的金融特徵,還可以包括應收款項週轉率、速動比率、現金流量比率、淨值比率、公司設立期間、產業景氣趨勢(天氣狀態)或其他特殊條件(例如進出口績優廠商名單、政府支持產業、獲信保基金保證、優質公共工程廠商或獲獎之新創企業等)等指標性數據,並可設定更多種篩選條件與加權量,藉由更多樣化的計算條件,以找出各種不同性質的潛在客戶名單。It is worth mentioning that the above financial characteristics can also include account receivable turnover rate, quick ratio, cash flow ratio, net worth ratio, company establishment period, industry boom trends (weather conditions) or other special conditions (such as progress Index data such as the list of export high-performance manufacturers, government-supported industries, credit insurance fund guarantees, high-quality public works manufacturers or award-winning start-ups, etc.). More selection criteria and weights can be set, with more diversified Calculate the conditions to find out a list of potential customers of different natures.
綜上所述,本發明在於提供一種企金客戶智慧探勘系統與方法,能根據不同的金融特徵分析多個潛在客戶,將部分的分析結果與實際資料做比較,並根據比較結果自動修正分析方法,以便應用在環境多變的金融產業。In summary, the present invention is to provide a smart prospecting system and method for enterprise financial customers, which can analyze multiple potential customers according to different financial characteristics, compare part of the analysis results with actual data, and automatically modify the analysis method according to the comparison results , So that it can be used in the financial industry with a changeable environment.
雖然本發明以前述之實施例揭露如上,然其並非用以限定本發明。在不脫離本發明之精神和範圍內,所為之更動與潤飾,均屬本發明之專利保護範圍。關於本發明所界定之保護範圍請參考所附之申請專利範圍。Although the present invention is disclosed in the foregoing embodiments, it is not intended to limit the present invention. All changes and modifications made without departing from the spirit and scope of the present invention fall within the scope of patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the attached patent scope.
1:企金客戶智慧探勘系統 11:記憶體 13:運算器 15:顯示介面 A:營收成長率 B:營業利益率 C:稅前純益率 D:負債比率 E:TCRI評等 a1、a2、b1、b2、c1、c2、d1、d2、d3、e1、e2、e3:初始篩選條件 aw1、aw2、bw1、bw2、cw1、cw2、dw1、dw2、dw3、ew1、ew2、ew3:初始加權量 IS1、IS2:初始評分 Group 1:主要目標客群 Group 2:次要目標客群 SS1、SS2:綜合評分 sw1、sw2:綜合加權值 1: Enterprise financial customer intelligent exploration system 11: Memory 13: Operator 15: display interface A: Revenue growth rate B: Operating profit ratio C: Net profit rate before tax D: debt ratio E: TCRI rating a1, a2, b1, b2, c1, c2, d1, d2, d3, e1, e2, e3: initial filter conditions aw1, aw2, bw1, bw2, cw1, cw2, dw1, dw2, dw3, ew1, ew2, ew3: initial weight IS1, IS2: Initial score Group 1: Main target customer group Group 2: secondary target customer group SS1, SS2: Overall score sw1, sw2: comprehensive weighted value
圖1為本發明一實施例企金客戶智慧探勘系統的結構圖。 圖2為本發明一實施例企金客戶智慧探勘方法的流程圖。 圖3為本發明一實施例企金客戶智慧探勘方法的運算示意圖。Fig. 1 is a structural diagram of an enterprise-finance customer intelligent exploration system according to an embodiment of the present invention. Fig. 2 is a flow chart of an embodiment of a method for intelligent exploration of corporate finance customers. FIG. 3 is a schematic diagram of the operation of a method for intelligent exploration of enterprise financial customers according to an embodiment of the present invention.
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