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System for analyzing enterprise credit risk and application method thereof

A risk analysis and credit technology, applied in the field of enterprise credit risk analysis system, can solve problems such as low work efficiency and poor analysis quality, and achieve the effect of high work efficiency, improved accuracy and good analysis quality

Inactive Publication Date: 2012-09-12
钟文清
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to overcome the defects and problems of low work efficiency and poor analysis quality in the prior art, and provide an enterprise credit risk analysis system with high work efficiency and good analysis quality and its use method

Method used

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  • System for analyzing enterprise credit risk and application method thereof
  • System for analyzing enterprise credit risk and application method thereof
  • System for analyzing enterprise credit risk and application method thereof

Examples

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Embodiment Construction

[0023] The present invention will be described in further detail below in conjunction with the description of the drawings and specific embodiments.

[0024] see figure 1 , an enterprise credit risk analysis system, which is special in that: the enterprise credit risk analysis system includes a client, a server and a total database, the client is connected with the server through a server interface, and the client is provided with There is a customer anonymous security mechanism module, and the server includes a basic data module, an intelligent conversion module for financial statements, a credit level calculation module, a Basel Agreement II framework module, a dynamic business rules configuration method module, a credit process analysis module and a general database, and the total is The database is connected with the basic data module, the financial statement intelligent conversion module, the credit level calculation module, the Basel Agreement II framework module, the dy...

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Abstract

The invention relates to a global system for analyzing credit risk, comprising a client, a server and a general database, wherein the client is connected to the server through a server interface and is equipped with a client anonymous security mechanism module, and the server comprises a basic data module, an intelligent transition module of financial statements, a credit level calculating module, a Basel II frame module, a dynamic commercial-rule configuration-method module, a credit process analyzing module and the general database. Various modules are used to supply sufficient bases for final credit risk analysis, thereby improving accuracy of the analysis result. The method comprises the most comprehensive methods for analyzing enterprise credit, is able to carry out risk analysis for various financial lending institutions, and has a wide application scope.

Description

technical field [0001] The invention relates to an enterprise credit analysis system, in particular to an enterprise credit risk analysis system and a method of using the same, which are particularly suitable for improving the work efficiency and accuracy of credit risk analysis and shortening the time required for completing transactions. Background technique [0002] At present, the main risks faced by commercial banks and large financial lending institutions are credit risk, market risk and operational risk. With the continuous tightening of policies by government regulators and the shortage of liquidity in the financial market, financial institutions have higher and higher requirements for credit risk analysis and control. Especially in the Chinese market, most domestic financial institutions have not yet adopted the standard credit risk control technology adopted by international mainstream banks. Therefore, for banks and commercial lending institutions, adopting a c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
Inventor 钟文清
Owner 钟文清
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