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Enterprise risk assessment method based on various kinds of operation data

A risk assessment, enterprise technology, applied in data processing applications, instruments, finance, etc., can solve problems such as inapplicability to small and medium-sized enterprises, and achieve the effect of improving accuracy, reducing the risk of loan cooperation, and overcoming the risk of evaluation errors

Inactive Publication Date: 2015-10-21
合肥智权信息科技有限公司
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AI Technical Summary

Problems solved by technology

Therefore, traditional risk control software based on credible financial statements is not suitable for small and medium-sized enterprises

Method used

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  • Enterprise risk assessment method based on various kinds of operation data
  • Enterprise risk assessment method based on various kinds of operation data
  • Enterprise risk assessment method based on various kinds of operation data

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Experimental program
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Embodiment Construction

[0026] refer to figure 1 , figure 2 , a method for enterprise risk assessment based on various operational data proposed by the present invention includes the following steps.

[0027] S1. Collect the operation data of the enterprise to be evaluated and store it in the preset data mirror area. The enterprise operation data includes ERP data, HR data and financial data. In this way, combining multiple data as the basis for enterprise risk assessment can avoid the risk of assessment errors caused by low authenticity of financial data.

[0028] Specifically, step S1 includes the following steps:

[0029] S11. Obtain the authorization of the enterprise to be evaluated;

[0030] S12. Perform a full-text search on the database of the enterprise to be evaluated to obtain enterprise operation data.

[0031] After being authorized by the enterprise, a more comprehensive search can be performed on the enterprise database to obtain the hidden data of the enterprise and the data of r...

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Abstract

The invention discloses an enterprise risk assessment method based on various kinds of operation data. The method comprises the following steps of S1, collecting operation data of an enterprise to be assessed and storing the data to a preset data mirror image area, wherein the enterprise operation data comprises ERP data, HR data and financial data; S2, according to a preset data extraction model, calling the enterprise operation data and processing, acquiring operation reference data and marking a trusted value Ai for each operation reference data; S3, according to a preset risk calculating model, extracting assessment calling objects from the operation reference data, giving one weighted value Bi for each assessment calling object, and calculating an enterprise operation risk value N according to the trusted value Ai and the weighted value Bi of each assessment calling object; S4, according to the operation reference data, the trusted value Ai and the enterprise operation risk value N, generating an enterprise assessment result. Financial data authenticity of the enterprise and especially middle and small-sized enterprises is low so that an assessment error risk is generated. By using the method of the invention, the above problem is overcome so that accuracy of enterprise risk assessment is increased.

Description

technical field [0001] The invention relates to the technical field of enterprise risk control, in particular to an enterprise risk assessment method based on various operational data. Background technique [0002] Many small and medium-sized enterprises in China have difficulty in financing and must obtain financing through mortgages and pledges. It is very necessary to establish a series of early warning software for small and medium-sized enterprises to assist financial institutions in making credit decisions and credit risk management for small and medium-sized enterprises. [0003] At present, the widely used enterprise risk assessment software uses the enterprise's financial statements as the basic data for evaluation. Based on these credible financial basic data, the enterprise's operating conditions are calculated through the risk control model. Due to the low quality of financial statements of SMEs, there are often inconsistencies between internal and external acco...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q40/00
Inventor 徐荣静
Owner 合肥智权信息科技有限公司
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