Third-party credit supervision and risk assessment system and method

Abstract

The invention discloses a third-party credit supervision and risk assessment system, including a load application client, a load issuing client, an assurance client and a supervision server. The supervision server comprises an index system module which is used for performing big data analysis to establish a data training set according to collected data, a PCA (Principal Component Analysis) and factor analysis module which is used for performing factor analysis of continuous variables using a PCA method in an SPSS factor analysis module, a credit risk factor system module which is used for organizing data subjected to PCA to generate a factor system used for credit assessment, and an enterprise credit assessment module which is used for processing the collected data according to the index system to generate credit risk assessment data of a user. The invention also provides a third-party credit supervision and risk assessment method. The invention adopts the big data intelligent analysis method, screens and discriminates false data, and guarantees correctness and accuracy of assessment.

Description

technical field [0001] The present invention relates to a system and method for supervision and risk assessment, more specifically, to a system and method for third-party credit supervision and risk assessment. Background technique [0002] At present, the economic environment is changing rapidly, and the continuous changes in the market lead to continuous changes in the operating and financial conditions of customers. Higher requirements are put forward for the professionalism of banks' post-loan management, risk warning and response capabilities, and decision-making level and efficiency. It is possible that the customer's operating financial status is good when the credit is approved, but due to the impact of industry policies, the impact of the customer's investment mistakes, and the impact of changes in supply and demand relations, the customer's operating and financial status will undergo relatively adverse changes. The trend of business diversification has been streng...

AI Technical Summary

Problems solved by technology

Lack of social credit information, banks lack unified information system support for enterprises in terms of transaction background verification, project compliance procedure inquiry, capital flow monitoring, etc., and it is difficult to identify group customers and related customers, plus corporate integrity records and risk information sharing Insufficient communication has seriously restricted the bank's post-loan management level

Images