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Enterprise debt paying risk assessment method

A risk assessment and enterprise technology, applied in the direction of instruments, finance, data processing applications, etc., can solve problems such as structural errors, reduced forecasting ability, and increase bank credit risk, so as to achieve the effect of not being easy to fake and avoiding risks

Inactive Publication Date: 2016-02-17
合肥智权信息科技有限公司
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Problems solved by technology

However, due to the low quality of financial statement information of many enterprises, especially small and medium-sized enterprises, corporate credit risk is highly influenced by the person in charge of the enterprise, the credibility of financial statement information is low, and there are often inconsistencies between internal and external accounts.
Therefore, when the traditional enterprise risk prediction model is applied to small and medium-sized enterprises, there will inevitably be structural errors, resulting in a reduction in the prediction ability, which will inevitably affect the bank's credit test and increase the credit risk of the bank.

Method used

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  • Enterprise debt paying risk assessment method
  • Enterprise debt paying risk assessment method

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Embodiment Construction

[0024] refer to figure 1 , a kind of enterprise debt repayment risk assessment method that the present invention proposes, comprises the following steps:

[0025] S1. Set the time segment, obtain the historical data of corporate debt repayment in multiple recent time segments, and calculate the number of scheduled repayments A according to the historical data of corporate debt repayment in each time segment n , Overdue repayment times B n and the outstanding number of C n Three types, and import the three types of data into the preset first calculation model to calculate and obtain the segmented value of the enterprise's debt repayment credit a n . The first calculation model is:

[0026] a n =K 1 A n +K 2 B n +K 3 C n 2 , K 1 、K 2 and K 3 Both are proportional coefficients, where K 1 >0,K 3 3 2 1 , specifically K 1 =10,K 2 = 1,K 3 =-10.

[0027] The debt repayment history of a company not only reflects the financial strength of the company, but also refle...

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Abstract

The invention discloses an enterprise debt paying risk assessment method. Through comprehensively considering an enterprise debt paying credit threshold a, an enterprise reputation threshold b and an enterprise asset stability threshold c, enterprise credit can be precisely assessed; when a loan risk value w is calculated, a trend value lambda is introduced, and thus, the finally-acquired loan risk value w is more in line with the current enterprise condition, and a lender can make a more accurate judgment. Data for calculating the enterprise debt paying credit threshold a, the enterprise reputation threshold b and the enterprise asset stability threshold c are easy to acquire and hard to counterfeit, and risks brought by excessive dependence on low financial data authenticity when the enterprise financial data are used can be avoided.

Description

technical field [0001] The invention relates to the technical field of enterprise evaluation, in particular to an evaluation method for enterprise debt repayment risk. Background technique [0002] Many enterprises in China have difficulty in financing and must obtain financing through mortgages and pledges. It is very necessary to establish a series of enterprise-oriented risk warning software to assist financial institutions in making credit decisions and credit risk management for enterprises. 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. However, due to the low quality of financial statement information of many enterprises, especially small and medium-sized enterprises, corporate credit risk is highly influenced by the person in charge of the enter...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
Inventor 徐荣静
Owner 合肥智权信息科技有限公司
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