TWM549395U - System for intelligent asset valuation - Google Patents

Abstract

A system for intelligent asset valuation comprises an asset valuation system server, including a real estate appraisal system, an unsecured obligation evaluation system and a movable property evaluation system. The real estate appraisal system includes a real estate valuation system and a tax calculation system. A transcript translation system can provide a real estate information of a collateral. A geographic information system can provide relevant geographic information of the collateral. A map information server can provide geographic information data for the asset valuation system server. A big data database, including at least one cloud server, provides related historical information and statistical data of obligation asset evaluation and property asset evaluation to the asset valuation system server.

Description

Smart Asset Evaluation System

This new type is about a technology for asset evaluation, and especially relates to a smart asset evaluation system through system integration calculations such as big data analysis, cloud storage, geographic information, transcript translation, loop analysis, and tax assessment.

With the economic development, the proportion of consumption in gross domestic product (GDP) has increased year by year, and the demand for consumer finance has increased. Banks have also become more active in the business of eliminating gold, and even have excessive promotion. If consumers lack the correct use card and consumption concept, fail to measure their repayment ability, and over-consume borrowing, it is easy to derive card-related issues.

In addition, when financial institutions release Non-Performing Loans (NPL), investors often need to evaluate thousands or even tens of thousands of bad claims within two to three weeks. Often due to the lack of evaluation period and the different experience and subjective cognition of different appraisers, the evaluation process is wrong, resulting in huge losses for investors. At present, there is no set of evaluation criteria for the evaluation of unsecured overdue loans sold by financial institutions. All evaluators rely on their own experience to make subjective judgments. That is to say, the lack of a systematic and logical evaluation model, when the same case is evaluated by different personnel, the final evaluation value may be several times different, there is room for improvement.

In view of the above problems, the newcomers combine years of practical operational experience to provide investors with quick, effective and reasonable assessment results.

The purpose of this new model is to provide a smart asset evaluation system that constructs assessment models for each combination type according to different types of real estate, unsecured claims, and movable assets, and provides investors with quick, effective, and reasonable assessment results.

Another purpose of the novel is to construct a systematic and logical asset evaluation model to replace the evaluation results of the past differences caused by personal subjective judgment.

According to one aspect of the present invention, a smart asset evaluation system includes: an asset evaluation system server, including a real estate evaluation system, an unsecured credit evaluation system, and a movable property evaluation system. The real estate evaluation system includes a real estate valuation system, a geographic information system and a tax calculation system, wherein the geographic information system can provide a geographic information related to a real estate or collateral; a map server coupled to the asset evaluation system server Providing geographic information information to the asset evaluation system server; and a big data database coupled to the asset evaluation system server, the big data database including at least one cloud server, providing a history of credit asset evaluation and property asset valuation Data and statistics are provided to the asset evaluation system server.

According to another aspect of the present invention, the real estate evaluation system further includes a valuation system for real estate collateral with secured claims.

The smart asset assessment system also includes a translation system that can provide information on the real estate collateral, including the Building Marking Department and the Land Marking Department, the Building Ownership Department and the Land Ownership Department, and the Construction Property Rights Department and the Land Other Rights Department.

According to still another aspect of the present invention, the geographic information system includes a map and a data repository, including a cadastral map, a use map, a satellite map, a usage map, a terrain status, a surrounding landmark, a real-time login, a legal information, and a bank. Loans and other stackable drawings and data.

According to still another aspect of the present invention, the domain information analysis and spatial decision analysis of the data data nesting and the survey target are performed in the geographic information system.

According to one aspect of the present invention, the real estate valuation system includes a valuation unit combination, a mortgage combination, a database and a real estate valuation module, and the database includes a suggested parameter database and a legal rule database.

According to one aspect of the present invention, the real estate valuation module provides real estate valuation methods, including comparison method, income method, cost method or land development analysis method.

According to one aspect of the present invention, the evaluation target of the unsecured claims evaluation system includes the enterprise, the gold, the double card (credit card and cash card) or the remaining claims after the collateral is disposed.

According to one aspect of the present invention, the unsecured claims evaluation system includes a historical evaluation database, a batch evaluation item, an individual evaluation item, and adjustment item parameters.

According to one aspect of the present invention, the movable property evaluation system includes a movable mechanical collateral valuation module and a movable property ticket/coupon pledge evaluation module.

According to one aspect of the present invention, the smart asset evaluation system further includes a portable device for transmitting a photograph or video file of the photograph or photograph to the asset evaluation system server through a network system.

The advantages and other advantages of the present invention will be apparent from the following description of the preferred embodiments.

100‧‧‧Smart Asset Evaluation System Server

102‧‧‧Figure server

104‧‧‧ Big Data Database

106‧‧‧Network System

107‧‧‧Geographic Information Center

108, 110‧‧‧ firewall

112‧‧‧Portable device

115‧‧‧User

120‧‧‧Smart Assets Assessment (Price) System Interface

122‧‧‧ Portfolio

124‧‧‧ Real Estate Evaluation System

126‧‧‧Unsecured claims evaluation system

128‧‧‧ movable property evaluation system

130‧‧‧誊本翻译翻译

132‧‧‧Geographic Information System

134‧‧‧ Real Estate Valuation System

136‧‧‧tax calculation system

140‧‧‧Marking Department

141‧‧Ownership Department

142‧‧‧The Ministry of Rights

143, 152, 160‧ ‧ database

144‧‧‧ Positioning Module

145‧‧‧Capital and data database

146‧‧‧Capture data nesting

147‧‧‧Analysis

148‧‧‧ Spatial Decision Analysis

150‧‧‧ valuation unit combination

151‧‧‧ mortgage portfolio

153‧‧‧ Real Estate Valuation Module

154, 172, 175‧‧ ‧ valuation

155‧‧Check

162‧‧‧ Various taxes and fees

164, 206‧‧‧Enterprises

165, 207‧‧ ‧

166, 208‧‧‧Double card

167‧‧‧ Historical Assessment Database

168‧‧‧ batch assessment project

169, 171‧‧‧Adjust project parameters

170‧‧‧ individual assessment projects

173‧‧‧Moving Machinery Guaranty Valuation Module

174‧‧‧ movable ticket/coupon collateral valuation module

200‧‧ ‧Debt marking operation

201~205, 209~210, 214~219‧‧‧ steps

211‧‧‧Evaluation

212‧‧‧ adjustments

213‧‧‧ weighted items

300‧‧‧ Real estate (guarantee) land construction information

220~228‧‧‧Steps

230~244‧‧‧Steps

250, 254 ‧ ‧ Valuation Unit / Mortgage Group Interface

252‧‧‧ Case Evaluation Process

261~272‧‧‧Steps

301~317‧‧‧Steps

The detailed description of the present invention and the schematic drawings of the embodiments of the present invention are intended to provide a better understanding of the present invention; however, it should be understood that this is only a reference for understanding the application of the present invention, and not limiting the present invention to a specific implementation. In the example.

The first figure shows a schematic diagram of one embodiment of a related device of a smart asset evaluation system according to an embodiment of the present invention; the second figure shows a schematic diagram of a smart asset evaluation system architecture according to an embodiment of the present invention; The third figure shows a schematic diagram of one embodiment of the real estate valuation system architecture according to the present invention; the fourth diagram shows a schematic diagram of one embodiment of the real estate evaluation process according to the present invention; and the fifth figure shows the unsecured claims evaluation system according to the present invention. Schematic diagram of one embodiment of the structure of the movable property evaluation system; the sixth figure shows a schematic diagram of one embodiment of the smart debt asset evaluation process according to the present invention; and the seventh figure shows the evaluation method of the initial estimated recovery amount stage according to the present invention. A schematic diagram of an embodiment; an eighth diagram showing a schematic diagram of an embodiment of a smart credit evaluation operation flow according to the present invention; and a ninth diagram showing a schematic diagram of an embodiment of the smart evaluation system flow according to the present invention.

The present invention will be described in detail with reference to the particular embodiments of the present invention, which are intended to be illustrative, and not to limit the scope of the invention. Therefore, the present invention may be widely practiced in other different embodiments in addition to the specific embodiments and preferred embodiments of the specification. The embodiments of the present invention are described below by way of specific embodiments, and those skilled in the art can easily understand the efficacy and advantages of the present invention by the contents disclosed in the present specification. And the present invention can also be applied and implemented by other specific embodiments, this statement The details set forth in the specification can also be applied based on different needs, and various modifications or changes can be made without departing from the spirit of the invention.

An embodiment described in the specification refers to a particular feature, method or characteristic described in connection with this embodiment, which is included in at least some embodiments. Therefore, the implementation of the various embodiments or aspects of the various embodiments is not necessarily the same embodiment. Furthermore, the features, methods, or characteristics of the present invention may be combined as appropriate in one or more embodiments.

The assets in the smart asset assessment of the new type include “debt assets”, “real estate” and “movable property”, wherein the debt assets include “guaranteed credit assets” and “unsecured credit assets” and “guaranteed credit assets”. The collateral includes "real estate", "real estate rights", "mechanical equipment", "valuable securities", etc., that is, "immovable property" and "movable property". In addition to being a collateral, it is also the subject of general investment and trading. Unsecured claims assets include, for example, "credit card claims", "cash card claims", "credit loans for the elimination of corporate funds", or "debt assets remaining after the collaterals are disposed of".

The method/system for intelligent asset evaluation of the present invention includes "real estate evaluation method/system", "unsecured credit evaluation method/system", "movable property evaluation method/system", and "real estate evaluation system/method" as real estate For the evaluation of collateral and real estate value, the "unsecured creditor evaluation method/system" is mainly used for the evaluation of unsecured creditor's value, and the "movable property evaluation method/system" is used as the value assessment of movable property collateral. The value of the assets is assessed based on the type of assets. For example: (1) The valuation of the mortgages in which the real estate is set as the collateral is assessed by the “real estate evaluation method/system” and the “unsecured credit evaluation method/system”. (2) When the real estate value assessment is carried out purely, the net value assessed by the “real estate evaluation method/system” is its value; (3) the credit evaluation using the securities quality as the guarantee is “ The net value of the evaluation of the movable property evaluation method/system and the "unsecured credit evaluation method/system" is added. And so on.

In the light of the above, the assessment of secured claims will be carried out in two phases. The first phase will first select the appropriate “real estate” or “movable property” assessment method/system for “asset” and the second phase will be “guaranteed claims”. After the principal or amount is deducted from the net value of the "collateral", if it is greater than or equal to 0, it means that there are still outstanding unpaid claims, and it is evaluated by the "unsecured credit evaluation method/system"; if it is less than 0, it means "guarantee" The net value is greater than the amount of the creditor's right, and the full amount of the guarantee is revised. The net value of the revised collateral is limited to the amount of the creditor's right. Finally, the value of "collateral" plus the value of "unsecured claims" is used as the asset value of the secured claims.

The new model constructs a smart asset evaluation system through big data analysis and cloud storage. Systematic integration calculations, such as deposits, geographic information, transcript translation, loop analysis, tax assessment, etc., assist the evaluator to quickly obtain reasonable value of creditor's rights and real estate rights in a reasonable and objective manner, reducing human error and personal subjectivity. Cognitive differences produce errors.

The new intelligent credit asset evaluation system is a new type of creditor portfolio evaluation system. In some embodiments, it is classified according to the nature of the credit, and then according to various types of principal, overdue aging, borrower age, occupation, education, collateral, execution status, etc. After categorization, construct each combination type evaluation model. Then, through big data analysis, refer to the historical recovery of the same type of claims and evaluate the value of reasonable debt assets.

In other embodiments, the intelligent credit asset evaluation system of the present invention analyzes and classifies various parameter combinations, constructs an evaluation model for each combination type, and then refers to historical recovery of the same type of creditor by big data analysis. A quick and effective initial assessment of the amount of debt recovery. Then, consider the dozens of factors such as the occupation, gender, education level, etc. of each of the creditor's rights and interests, and adjust the weight ratios to calculate the adjusted amount of creditor's rights. Finally, it is adjusted according to the number of credits transferred and the overall environment at that time, in order to obtain the final credit recovery amount. Systematic and logical assessments are used to replace the results of assessments that have resulted in excessive differences due to subjective judgments.

The first figure shows a schematic diagram of one embodiment of a related device of a smart asset evaluation system according to the present invention. In the preferred embodiment of the present invention, the related devices of the smart asset evaluation system of the present invention include: a smart asset evaluation system server 100, a map server 102, a big data database 104, and a network system 106. The map server 102, the big data database 104 and the network system 106 all communicate with the smart asset evaluation system server 100 for data and information. For example, the big data repository 104 includes at least one cloud server. A firewall 108 is disposed between the big data database 104 and the smart asset evaluation system server 100 to ensure the security of information transmission between the two. The firewall passes data in accordance with specific rules to allow or restrict transmission. The firewall may be a dedicated hardware or mounted on a general hardware. A firewall 110 is disposed between the network system 106 and the smart asset evaluation system server 100 to ensure the security of information transmission between the two. The big data database 104 stores historical data, statistics, etc. related to the evaluation of the credit assets and the evaluation of the property assets. In addition, a geographic information center 107 provides house location information, landmark information, map information, street view information, etc. to the image server 102, that is, the geographic information center 107 provides the information gathered by the geographic information to the image server 102. And storing geographic information in the image server 102. The map server 102 can provide the aggregated geographic information to the asset assessment system server 100. In addition, portable A device (eg, a smart phone or tablet) 112 can take photos or take photos at any time, anywhere, to the location where it is desired to explore. The portable device 112 can then transmit the photographed or photographed photo or video file to the asset evaluation system server 100 via the network system 106 for storage into the asset evaluation system server 100. The network system 106 includes, but is not limited to, a wired network, such as a local area network (LAN), an Internet, a virtual private network (VPN), or the like, or wireless. Network, such as wireless local area network (WLA N). The wired network input/output interface may be a universal serial bus (USB) or IEEE 1394. The wireless local area network module includes a module compatible with Bluetooth specifications, a module compatible with Wi-Fi specifications, or a module compatible with 802.11x specifications, where x can be a, b, g or n . In another example, the wireless local area network module can be compatible with the specifications of Worldwide Interoperability for Microwave Access (WiMAX). The asset evaluation system server 100 can transmit the evaluated data to a client (user device) 115, such as a smart phone, a tablet, a personal computer, a notebook computer, a personal digital assistant (PDA), and the like. For example, the asset valuation system server 100 can transmit information to inform the user 115 of the information about the asset or asset related person: collection, agreement, debt, legal auction, self-payment, etc. Some experience values.

The second figure shows a schematic diagram of one embodiment of a smart asset valuation (price) system architecture in accordance with the present invention. In the preferred embodiment of the present invention, the intelligent asset evaluation (price) system architecture of the present invention comprises: a smart asset assessment (price) system interface 120, an asset portfolio 122, a real estate evaluation system 124, and an unsecured claims evaluation system 126. And the movable property evaluation system 128, wherein the real estate evaluation system 124 is provided with a copy translation system 130, a geographic information system 132, a real estate valuation system 134, and a tax calculation system 136. The above system may include a specific software, program or data processing unit/module. The above system can be displayed on the display screen of the asset evaluation system server 100 or a computer connected to the asset evaluation system server 100 to facilitate user operation. For example, when the user wants to use the smart asset evaluation (price) system, he can first enter the smart asset evaluation (price) system interface 120, and then the system displays the screen of the asset portfolio 122, and then the user can follow his own needs. The asset type under the portfolio 122 is selected, for example, the entry into the real estate evaluation system 124, the unsecured claims evaluation system 126, or the movable property evaluation system 128 for real estate value assessment, unsecured credit assessment, or movable property valuation. In another embodiment, the present invention may also include a secured claims evaluation system. In one embodiment, the translation system 130 and the geographic information system 132 can be configured in a remote server. Using the asset evaluation system server 100 to connect to the remote server, the translation system 130 and the geography can be obtained. Information or information in the information system 132. In one embodiment, the real estate valuation system 134 and the tax calculation system 136 are disposed in the asset evaluation system server 100 or a computer connected to the asset evaluation system server 100.

The third figure shows a schematic diagram of one embodiment of the architecture of the real estate evaluation system according to the present invention. For example, this real estate system evaluates its value as a collateral. As shown in the third diagram, it includes the contents and possible execution flow of the script translation system 130, the geographic information system 132, the real estate valuation system 134, and the tax calculation system 136. In the preferred embodiment of the present invention, the template translation system 130 includes: a build number, a labeling unit 140, an ownership unit 141, a child item right unit 142, and the like. For example, the indicator portion 140 includes a building marking portion and a land marking portion, the ownership portion 141 includes a building ownership department and a land ownership department, and the other item rights portion 142 includes a building other rights department and a land other rights department. Therefore, the transcript translation system 130 can provide the building marking department and the land marking department of the collateral, the building ownership department and the land ownership department, the construction other rights department and the land other rights department. In one embodiment, the real estate evaluation system 124 can download through the network to retrieve data from the transcript translation system 130 or query the database 143 in the transcript translation system 130. In one embodiment, the transcript translation system 130 can provide an electronic transcript. In an embodiment, in the geographic information system 132 of the real estate evaluation system 124, a positioning module 144 is utilized to obtain collateral positioning and house coordinate positioning; the geographic information system 132 includes a map and data database 145, and a map. The data is nested 146. For example, the map and data repository 145 includes cadastral maps, use of partition maps, satellite maps, usage status maps, terrain status, surrounding landmarks, real-time logins, legal information, bank loans, and other foldable maps. With data. After referring to the data in the map and data repository 145, the graph data nesting 146 can be performed to achieve a multi-oriented comprehensive analysis and index evaluation. Then, a ring domain analysis 147 and a spatial decision analysis 148 of the target can be performed. In a preferred embodiment of the present invention, the real estate valuation system 134 includes a valuation unit combination 150, a mortgage combination 151, a database 152, and a real estate valuation module 153. The valuation unit combination 150 combines all of the valuation items. Mortgage is a combination of creditor's rights and property rights. Mortgage portfolio 151 combines all relevant claims and property rights. The database 152 includes a suggested parameter database and a legal rule database. In addition, the Real Estate Valuation Module 153 provides several different methods of valuation of real estate. In one embodiment, the real estate valuation method includes a comparison method (real or legal), a revenue method, a cost method, a land development analysis method, or other special methods of evaluation. After the analysis and valuation are completed, the value of the real property (collateral) is evaluated 154 and the final inspection 155 procedure is performed. The tax calculation system 136 includes a database 160 and various taxes 162. The database 160 includes suggested parameters Database of legal databases, decree rules (with rules and regulations on tax laws). Various taxes and fees 162 include preferential distribution of taxes and fees (land value-added tax, land price tax, housing tax), transaction taxes, and taxes. Therefore, if there is a house sale, the taxes and fees involved include: land price tax, house tax, deed tax, land value-added tax, stamp duty, property transaction income, profit-making business income tax, and business tax. That is to say, in addition to the priority tax, the calculation of taxes and fees also needs to consider the transfer cost and the cost of holding.

The fourth figure shows a schematic diagram of one embodiment of the real estate evaluation process according to the present invention. First, provide a real estate (guarantee) construction number 300. Then, in step 301, an electronic copy is applied. For example, the transcript translation system 130 is utilized to provide an electronic transcript. Then, in step 302, the data is translated into the operating platform. Next, in step 303, the target (estimation unit) of the survey is combined. This means combining all the valuation items. Then, in step 304, the mortgage is combined. This means combining all relevant claims and property rights. Then, in step 305, an asset classification is made. For example, the asset belongs to a single asset or an overall asset, a short-term asset, or a long-term asset... and so on. Next, in step 306, the positioning of the survey target is performed. For example, a Geographic Information System (GIS) is used to perform the positioning of the target to be evaluated. Then, in step 307, the ring domain analysis of the target is performed. In this step, the ring domain analysis within a certain geospatial range of the survey target is performed. Auxiliary tools or information for analysis include: location, map, place of interest, cadastral map, urban plan map, various business indexes, real-time login information, legal information, government open information, other supplementary information, etc. . Then, in step 308, spatial decision analysis of the target is performed. In this step, the spatial decision analysis can refer to various theories already existing and the actual practice. The new model uses geographic information system (GIS) maps to import GIS maps (commercial or disgusting facilities) on digital maps, and applies data such as population, traffic flow, service radius, etc. as commercial services, location, and site selection. Reference. The use of satellite positioning can quickly confirm the location of the target, reduce the probability of false positives and find time. It is possible to know the state of the streetscape for assessing the appearance of the asset and the environment without the need for an existing survey, which can reduce the manpower and transportation costs of the existing survey.

A buffer analysis is to establish a strip-shaped area with a certain width around it in order to identify the influence of a geospatial entity on its surrounding objects. The strip area is the influence or service scope of the geospatial entity and can be analyzed with an overlay of independent data of different nature. Loop analysis provides a scientific basis for an application purpose and is an important method for practicing spatial analysis. In the system/method of the present invention, it is known whether there are landmark facilities and cases that affect the price within a certain geographical space of the survey target, and the attribute, quantity and distance of the landmark facility and the case are judged. The degree of influence of the value of the survey target. Spatial decision analysis uses multi-point loop analysis, cloud data, database, and specific computing models to search for spatial entities in a geospatial space that meet specific conditions as an auxiliary tool for users to determine price and investment decisions. In the system/method of the present invention, the multi-point loop domain analysis and the existing operational model can be used to calculate the market conditions, various statistical values, price trends, and commercials of a certain type of real estate in the space within a certain period of time. Concentration and population movement dynamics, rental return rate, etc., as an important basis for users to find investment locations and determine prices.

Next, in step 309, the price evaluation of the target is performed. Among the above collected and analyzed data, the price of real estate (collateral) is evaluated. Then, in step 310, an appropriate valuation method is suggested and the parameters and weights are adjusted. In this step, reference can be made to the real estate estimation technical rules and construction technical rules; the real estate valuation methods are, for example, comparative method (solid price or legal auction), income method, cost method or land development analysis method. The method of using the method of real estate valuation depends on different application situations.

In the comparison method, the conditions for screening the comparison target include a certain period, the same type, and the near and far sorting.., etc., and find several comparison targets (for example, three comparison targets) for comparison. Use the loop analysis to display the adjacent important facilities (including disgusting facilities) and the actual price registration data. The color of the commercial index image is used to indicate the concentration of transportation, commerce, consumption and population, and the spatial decision analysis is more The price, quantity trend, extreme value and return on investment of the same type of real estate are used to assist in judging the price adjustment rate of the target relative to the comparison target. In one embodiment, the total adjustment rate of the comparison method is as follows: total adjustment rate = situation factor (emergency buying and selling, creditor's rights and debts, relatives and friends trading, auction or bidding, Feng Shui belief, legal use, other) adjustment Rate + price date adjustment (price index, boom trend) rate + regional factors (transportation, natural environment, public facilities, development trends.. other) adjustment rate + individual factors (transportation, public facilities, surrounding environment, administrative decree, Individual condition) adjustment rate 30%

Regional factor adjustment rate 15%

Individual factor adjustment rate 15%

Comparison price calculation formula: Comparison price of survey target price = 1* situation factor adjustment rate of price index 1* Price date adjustment rate 1* Regional factor adjustment rate 1* Individual factor adjustment rate 1* Weight 1 + Price target 2* Condition factor adjustment rate 2* price date adjustment rate 2* regional factor adjustment rate 2* individual factor adjustment rate 2* weight 2+ price target 3* situation factor adjustment rate 3* price date adjustment rate 3* regional factor adjustment rate 3* individual factor adjustment rate 3* weight 3 (3 comparison targets)

Among the income method, it mainly refers to the method of estimating the net price and the ending value of each period during the analysis of the future discounted cash flow of the target, and discounting the price of the target after discounting at an appropriate discount rate. This method is applicable to the evaluation of real estate investment for investment purposes.

In the cost method, the cost price calculation formula: the cost price of the survey target = land price + construction cost price = land price + (total cost of construction - accumulated depreciation of construction)

In the land development analysis method, the land development analysis price calculation formula: the land development analysis price (V) = S / (1 + R) / (1 + i) - (C + M), where S represents the total The sales amount, R represents profit, i represents the capital interest rate, C represents the direct cost, and M represents the indirect cost.

Next, in step 311, after the appropriate valuation method is employed, the evaluation price of the target is determined. Then, in step 312, various taxes of the target are calculated. In this step, you can refer to the relevant tax law and link with the tax unit. For example, it can be calculated by the tax calculation system 136. Then, in step 313, the net value of the target is calculated. In step 314, the verification of the estimated net value of the target is performed. Thereafter, in step 315, a financial feasibility analysis is performed. In step 316, the production report and report. Finally, in step 317, reference is made to the investment, production, and loan decision of the real estate. Interested people can refer to it.

The fifth figure shows a schematic diagram of one embodiment of the architecture of the unsecured claims evaluation system and the movable property evaluation system according to the present invention. In another embodiment, the secured claims evaluation system can also assess its value. As shown in the fifth figure, it includes the content and possible execution flow of the unsecured claims evaluation system 126 and the movable property evaluation system 128. The evaluation targets of the unsecured claims evaluation system 126 include the enterprise fund 164, the consumer 165 and the dual card 166. The evaluation target includes the double card (credit card and cash card) or the remaining claims after the collateral is disposed of. Corporate Finance (Enterprise Gold) 164 is mainly engaged in the service of legal entities, from multinational corporations and government agencies to small and medium-sized enterprises. Business content includes: commercial lending, international trade, hedging transactions, corporate financial management, corporate financial product design planning, fund scheduling, credit risk management, corporate financing, import and export foreign exchange. Consumer finance (“金金”165) is mainly for the end consumers. Consumer finance products include: 1. Loan-type products, such as: car loans, mortgages, credit loans, etc.; 2. Wealth management products, such as: funds, insurance, structured goods, Uni-profit deposits, etc. In a preferred embodiment of the present invention, the unsecured claims evaluation system 126 includes a historical assessment database 167, a batch assessment item 168 and adjustment project parameters 169, individual assessment items 170, and adjustment project parameters 171. An embodiment In other words, the historical evaluation database 167 is obtained by downloading through the network to retrieve the data in the big data database 104. An evaluation value 172 can be obtained after the above evaluation and parameter adjustment. In one embodiment, the movable property evaluation system 128 includes a movable machinery collateral valuation module 173 and a movable property/coupon collateral valuation module 174. Similarly, an evaluation value 174 can be obtained by the valuation of the above-mentioned valuation module.

The sixth figure shows a schematic diagram of one embodiment of the smart debt asset evaluation process according to the present invention. As shown in Figure 6, the assessment process includes pre-operations, assessment assignments, and results. The asset valuation of smart claims is carried out through an unsecured claims evaluation system. The unsecured credit evaluation system includes a processing unit and a processing module, and the evaluation can be performed according to various conditions and conditions. For example, a financial institution sells a bad debt (NPL) bid, and then has a debt bidding operation 200. In step 201, interested parties who participate in the sale of a bad debt claim by a financial institution must first submit the relevant documents in accordance with the regulations of each financial institution to obtain basic information or documents. In step 202, the investment risk assessment (due diligence) data is retrieved. In step 203, the investment risk assessment data is classified and summarized. Next, in step 204, the basic data is edited according to the smart asset evaluation conversion format, and then transferred to the intelligent asset evaluation system database (debt evaluation database). The various assignments that began the assessment. In step 205, the classification of various claims is performed. For example, it includes enterprise gold 206, Xiaojin 207 and dual card (bank credit card, bank cash card) 208. Thereafter, in step 209, various evaluation analysis models are constructed. At this stage, the connection database analysis (purchase record history recovery) 210. After the adjustment of the evaluation item 211, the adjustment item 212 and the weighting item 213, in step 214, the smart debt asset evaluation system can calculate the estimated amount of the recovery, that is, the cost of the bid. Evaluation item 211 is the most important factor of influence, which is a necessary condition; it is mainly to calculate the space for personal fine-tuning through statistics and data analysis. Then, the layer is filtered and filtered by the adjustment item 212 and the weighting item 213, wherein the adjustment item 212 includes a plurality of parameters, each of which has its adjustment ratio for further fine adjustment. The weighting term 213 has the largest adjustment ratio.

The basic elements of the smart debt asset assessment system are as described below, including the credit review conditions of the original financial institution, including the borrower's industry category, company size, borrowing use, repayment source, credit guarantee, insurance status, and current period. The factors, as well as the contents of the creditor's rights evaluation base date, include the amount of the debt, the overdue aging, the repayment history, the current status of the borrower, the joint information, the execution name, and the progress of the implementation.

Original financial institution credit review requirements: industry categories: manufacturing, retail, technology or individuals.

Enterprise scale: SMEs, public offerings, listings, cabinets, etc.

Borrowing purposes: business turnover, purchase of factory buildings, repayment of debts, etc.

Repayment sources: operating income, investment income, salary income, etc.

Debt guarantee: There are burden-guarantee varieties, no support-guarantee.

Insurance qualifications: age, education, occupation, social status, etc.

During the exchange: the borrower establishes the time of the exchange with the original bank.

Assess the base date of the creditor's rights: the amount of the claim: the original loan amount, the outstanding principal, interest and liquidated damages.

Overdue Aging: The date of the bad debts is resold from the loan release date to the overdue date.

Repayment history: Whether there are repayment records, times and amounts in the past six months.

Current status of borrowers: still open, closed, reorganized, bankrupt, liquidated, etc.

Joint information: borrowing, guaranteeing the financial institution's main and total debt.

Execution name: whether to obtain the full amount, the name of the staff member or the ruling.

Execution progress: seizure, price, auction, round, and auction price.

The evaluation stage of the smart debt asset assessment system can be divided into three assessment stages: initial estimated recovery amount, estimated recovery amount, and estimated recovery amount:

1. Initial estimated recovery amount

Through the new smart credit asset assessment system, the basic information such as credit type, loan principal balance, overdue age, average debtor age, and effective natural number are analyzed and classified, and each combination type evaluation model is constructed, and then analyzed by big data. (Big Data Database) The basic information, with reference to the historical recovery of the same type of claims, finds the amount of the initial evaluation of the recovery amount, as shown in the seventh figure. The method and steps for evaluating the credit assets at the initial evaluation of the recovery amount are as follows:

Step 220: Statistically sort out the entity creditor's rights to be evaluated according to the interval of the evaluation item

Step 222: Compare the historical debt information of the purchased entity with the purchased historical credit information, and analyze the historical credit information of the bid to screen the initial estimated recovery rate.

Step 224: Comparing the entity with the historical claim data of the purchase target

Step 226: Output initial estimated recovery rate

Step 228: Calculate the initial estimated recovery value

Initial estimated return amount process: investment risk assessment data transfer (classification) → credit type (enterprise, gold, double card) → evaluation items (such as principal balance, overdue age, effective natural number, average debt year) Age) → comparison of historical recovery rate (such as recovery rate in the past three years)

Evaluation item: Initial estimated recovery amount = (principal of each case) * (% of purchase target historical recovery ratio)

2. Estimate the recovery amount

Based on the preliminary assessment of the amount of credits recovered from the initial estimated recovery amount, and then consider the factors, parameters, and other factors of the borrower’s occupation, gender, education level, etc., each with different weight ratios. And reduce the adjustment, calculate the adjusted estimated recovery amount. Each parameter can be set to a fine adjustment to fine-tune, for example, a fixed value or interval value ratio. The items of the adjustment items are: implementation of nominal acquisition, debtor status, guarantor status, type of credit, total debt of the joint, source of repayment, priority credit, status of col

Adjustment: Estimated recovery amount = (initial estimated recovery amount) * (1 +/- adjustment ratio %)

3. Estimated recovery amount

Finally, according to the number of credits, the repayment history within half a year and the overall environment at that time, the amount of credit recovery was estimated.

Weighted item: Estimated recovery amount = (estimated recovery amount) * (return rate ratio) + repayment history within half a year (monthly repayment amount * initial estimated recyclable period)

Next, after the system tries to calculate the estimated recovery amount, proceed to step 215 to correct the case and adjust the appropriate price. Then, in step 216, the relevant statistical analysis report is produced by the system; in step 217, the proposal discusses the bid price; and in step 218, the overall price decision; finally, in step 219, the investor decision is made, and the participation is unsecured. Debt bidding.

The eighth figure shows a schematic diagram of one embodiment of the smart credit evaluation operational flow according to the present invention. In this embodiment, the credit evaluation operation procedure includes the setting of the creditor's rights and the adjustment of the creditor's case. In the debt claim setting end (supervisor end) 10, in step 230, the target classification matching condition is set. Then, in step 232, an evaluation term condition is set. Thereafter, in step 234, a weighting term condition is set. Next, in step 236, a historical case recovery rate comparison is performed. And in step 238, the production history record of the purchase target is recovered. Then, in the credit case adjustment end (administrative end) 20, in step 240, the bidding data is queried. Next, in step 242, the target case is adjusted. In this step, each item is adjusted one by one, including: 1. credit bid information, 2. basic credit information, 3. evaluation adjustment weighted data, 4. guarantor data, 5. collateral information, 6. prosecution procedures, 7. Case disposition strategy. Finally, in the debt claim setting terminal 10, in step 244, a debt condition summary table is produced. For example, the debt bid setting end (supervisor) 10 and the credit case adjustment end (transaction end) 20 are two independent devices, for example computer.

The ninth diagram shows a schematic diagram of one embodiment of the smart evaluation system flow according to the present invention. First, in the valuation unit/mortgage group interface 250, in step 261, the evaluation asset type (debt, property right) is selected. Next, in step 262, the combination number (in the survey, closed) is selected. Then, in step 263, the ground number and its representative object are selected. Thereafter, in step 264, the transaction type and the object type are set. In step 265, a unit of valuation unit is determined. Next, a case valuation process 252 is performed. In step 266, a case evaluation is performed. In step 267, the evaluation is sent after the confirmation. Then, in the valuation unit/mortgage group interface 254, if there is still an asset to be evaluated, in step 268, the previous group interface is returned, and the process returns to step 263 or step 265. Otherwise, in the example of the debt claim, in step 269, enter the group interface of the valuation unit/mortgage. Thereafter, in step 272, the evaluation is sent after the confirmation. In the example of the property rights standard, in step 271, after all the objects are evaluated. In step 271, the evaluation is sent after the confirmation.

The novel intelligent asset evaluation system and method integrates a creditor platform, a property rights platform, a GIS map, and various estimation models, methods and processes, and utilizes cloud technology and big data analysis to construct a set of smart claims. , the asset valuation system of property rights and the evaluation process. The evaluation process utilizes a variety of aggregated data, based on the model or method of evaluation, for further analysis; based on a standardized set of assessment processes established, human error and individual subjective analysis can be reduced. That is, using the established evaluation system and process, input parameters, the evaluation value of the creditor's rights and property rights, and the amount that can be recovered can be automatically calculated.

Compared with the traditional operation mode, the new model can improve the efficiency of the information system.

Compared with the traditional operation mode, the novel intelligent asset evaluation system and method have the following advantages: significant time saving, manpower and money; reduction of artificial eating errors; evaluation process digitization, which can save and accumulate the empirical value of the evaluation; Cloud applications accelerate data storage, computing and reading; accumulated historical data can be the cornerstone of big data analysis; further predict future trends.

In addition to the description, various modifications that can be made by the embodiments and embodiments described in the present invention are intended to be included within the scope of the present invention. Accordingly, the foregoing description is a preferred embodiment of the present invention. Those skilled in the art should be able to appreciate the scope of the patent claims and the scope of the patent claims. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Those skilled in the art, without departing from the spirit or scope of this patent, Alterations or modifications made by the present invention are intended to be included within the scope of the following claims.

100‧‧‧Smart Asset Evaluation System Server

102‧‧‧Figure server

104‧‧‧ Big Data Database

106‧‧‧Network System

107‧‧‧Geographic Information Center

108, 110‧‧‧ firewall

112‧‧‧Portable device

115‧‧‧User

Claims (11)

An intelligent asset evaluation system includes: an asset evaluation system server, including a real estate evaluation system, an unsecured credit evaluation system, and a movable property evaluation system, wherein the real estate evaluation system includes a real estate valuation system, a geographic information system, and a tax calculation system, wherein The geographic information system can provide a geographic information related to a real estate or collateral; a map server coupled to the asset evaluation system server to provide geographic information information to the asset evaluation system server; and a big data database, coupled The asset evaluation system server is connected to the asset evaluation system server, and the big data database includes at least one cloud server, and provides historical data and statistics related to the asset asset evaluation and the property asset evaluation to the asset evaluation system server. The smart asset evaluation system of claim 1, wherein the real estate evaluation system further comprises a valuation system for real estate collateral with secured claims. The smart asset assessment system according to claim 1 further includes a translation system that provides information on the real estate collateral, wherein the translation system includes a building marking department and a land marking department, a building ownership department and a land ownership department, and Construction of the Ministry of Rights and the Ministry of Land and Other Rights. The smart asset evaluation system according to claim 1, wherein the geographic information system comprises a map and a data database, including a cadastral map, a use of a partition map, a satellite map, a usage status map, a terrain status, a surrounding landmark, and a real-time login. , legal information, bank loans and other data and data. The smart asset evaluation system according to claim 4, wherein the geographic information system performs the loop analysis and spatial decision analysis of the data data nesting and the survey target. The smart asset evaluation system according to claim 1, wherein the real estate valuation system comprises a valuation unit combination, a mortgage combination, a database and a real estate valuation module, and the database includes a suggested parameter database and a legal rule database. The smart asset evaluation system according to claim 6, wherein the real estate valuation module provides a real estate valuation method, including a comparison method, a income method, a cost method or a land development analysis method. The smart asset assessment system of claim 1, wherein the evaluation of the unsecured claims evaluation system The subject matter includes the enterprise, the gold, the double card (credit card and cash card) or the remaining claims after the collateral is disposed of. The smart asset evaluation system according to claim 1, wherein the unsecured credit evaluation system comprises a historical evaluation database, a batch evaluation item, an individual evaluation item, and an adjustment item parameter. The smart asset evaluation system according to claim 1, wherein the movable property evaluation system comprises a movable property collateral valuation module and a movable property ticket/coupon pledge evaluation module. The smart asset evaluation system of claim 1 further includes a portable device for transmitting the photographed or photographed photo or video file to the asset evaluation system server via a network system.