Information management system and method based on personal credit data

Abstract

The invention discloses an information management system and an information management method based on personal credit data. The information management system comprises a server and a storage. The information management method comprises the steps of: presetting credit assessment data and standard credit degree of normal assessment standards of multiple classification types about enterprise data, and storing relevant data through the storage; acquiring the enterprise data through the server, and subjecting the enterprise data to data classification according to data features of the enterprise data; sequentially acquiring data identities carrying credit assessment data in enterprise data of different types in batches according to the enterprise data of different types through the server; and judging whether the credit degree corresponding to the data identities is greater than the preset standard credit degree through the server. The personal information data integration system and method have the beneficial effects of solving the problems that the big data is large in calculation complexity and not easy to count, reducing error rate, realizing real-time assessment of credit rating and real-time prompting of credit rating variation based on the enterprise data, and bringing convenience for enterprises to adjust their business model timely.

Description

technical field [0001] The present invention relates to the field of data technology, more specifically, to an information management system and method based on personal credit data. Background technique [0002] The construction of the credit system is an important part of building a socialist market economy with Chinese characteristics. At present, my country has initially established a credit record system in line with national conditions. However, when financial institutions evaluate corporate credit records, they cannot effectively use the various data in the credit report, and rely more on the personal experience of loan officers to make judgments. This is not only inefficient, but also due to uncontrollable factors There are many, and there are high requirements for the management of financial institutions. These situations not only restrict the development of financial institutions, but also cause a certain waste of a large amount of data in credit reports. [0003...

AI Technical Summary

Problems solved by technology

[0004] The technical problem to be solved by the present invention is to provide an information management system and method based on personal credit data, so as to solve the problem that existing large amounts of credit data are difficult to statistically analyze; using the credit evaluation method based on enterprise data of the present invention, It can accurately and effectively evaluate the credit data of enterprises, and conduct effective credit evaluation on corporate customers with low credit in a timely manner

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