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Credit Rating Evaluation System

A credit rating and evaluation system technology, applied in data processing applications, instruments, finance, etc., can solve problems such as long-term, uncertain payment status

Inactive Publication Date: 2011-12-14
HANGZHOU WODEJIA YANGWANG IRON & STEEL ELECTRONICS TRANSACTION MARKET
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Because commodity activities often bring huge profits, they also often contain huge market risks. The risks directly come from the time difference between the payment behavior of the two parties in the commodity exchange and the payment behavior, that is, credit enables the behaviors of buying and selling to be separated from each other. for long periods of time, it makes expected payments indeterminate

Method used

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Embodiment Construction

[0012] Below in conjunction with embodiment the present invention will be further described.

[0013] According to the actual needs of their own enterprises, the evaluation agency customizes the score grade table, for example, using a full score of 100 points, 90-100 points are AAA grades, 80-89 points are AA grades, 70-79 points are A grades, and so on. By analogy, set the score rating table.

[0014] Assuming that the entrusted evaluation company is X company, after X company submits the evaluation application and passes the review, enter the relevant information required for the evaluation, such as X company’s unit information, financial data in recent years, business management, etc. The evaluation agency reviews the authenticity, accuracy, and completeness of relevant materials, and then scores according to certain credit rating standards, and automatically quantifies the credit rating according to the score rating table to determine the credit rating of X enterprise.

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Abstract

The invention discloses a credit rating evaluation system. The system is used to evaluate the entrusted evaluation enterprise, and combined with the self-defined score scale, the credit score of the entrusted evaluation enterprise is quantified, which provides a basis for decision makers to control the customer's credit limit, and better conduct scientific research on enterprise credit sales Management helps enterprises improve credit management construction, avoid credit risks in market transactions, and further promote and strengthen the credit between enterprises under the market economy.

Description

technical field [0001] The invention relates to a credit rating evaluation system. Background technique [0002] In the context of the market economy, credit has become the cornerstone of the market economy. Low credit will inevitably become the bottleneck of economic development, credit crisis will inevitably become the "cancer" of the market, and lack of credit will inevitably become the main cause of enterprise failure. Therefore, the construction of enterprise credit management is very necessary! [0003] Enterprise credit management is a professional technology for enterprises to scientifically manage credit sales. Enterprise credit rating, also commonly known as credit rating or credit evaluation, refers to: an independent, neutral professional organization, entrusted by the evaluation object, in accordance with the principle of "objective, open and scientific", with standardized evaluation items and content As a basis, use standardized procedures and scientific met...

Claims

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Application Information

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IPC IPC(8): G06Q40/00
Inventor 朱青华
Owner HANGZHOU WODEJIA YANGWANG IRON & STEEL ELECTRONICS TRANSACTION MARKET