Enterprise credit risk statistical method
A statistical method and enterprise technology, applied in computing, instrumentation, finance, etc., can solve the problems of low availability of evaluation results, neglect of corporate debt repayment creditworthiness, etc., and achieve the effect of low degree of dependence and reduced evaluation risk.
Inactive Publication Date: 2016-03-30
合肥智权信息科技有限公司
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[0003] In the existing evaluation methods, the financial data provided by the enterprise and the current financial resources of the enterprise are overly dependent, and the creditworthiness of the enterprise's debt repayment is ignored. Therefore, the availability of evaluation results is low.
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[0029] refer to figure 1 , a kind of enterprise lending risk statistical method that the present invention proposes, comprises the following steps:
[0030] S1. Obtain the historical data of the enterprise's debt repayment within a preset time period, and evaluate the credit threshold a of the enterprise's debt repayment based on the historical data of the enterprise's debt repayment.
[0031] In this step, first, according to the historical data of corporate debt repayment, three categories of on-scheduled repayment times A, overdue repayment times B and unpaid times C are counted, and then the on-scheduled repayment times A, overdue repayment times B and unpaid times C are respectively imported into the preset Assuming that the first calculation model calculates and obtains the enterprise debt repayment credit threshold a, the first calculation model is:
[0032] a=K 1 A+K 2 B+K 3 C 2 , K 1 、K 2 and K 3 Both are proportional coefficients, where K 1 >0,K 3 3 2 1 , s...
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The invention discloses an enterprise credit risk statistical method. The method comprises the steps of S1, acquiring the debt repayment historical data of an enterprise within a preset period of time, and evaluating the debt repayment credit threshold (a) of the enterprise according to the debt repayment historical data of the enterprise; S2, acquiring the related information of the responsible person of the enterprise from a website, dividing the related information into the positive information and the negative information, and calculating the reputation threshold (b) of the responsible person according to the occurrence number of the positive information, the occurrence number of the negative information and the reliability weight of the website; S3, acquiring the asset information of the responsible person at different time nodes, and calculating the real estate threshold (c) of the responsible person according to the changing trajectory of the total assets of the responsible person; S7, conducting the statistics on the credit risk value (w) based on the credit (e) of the enterprise and the debt repayment changing trend diagram of the enterprise. According to the technical scheme of the invention, the above enterprise credit risk statistical method has little dependence on the financial data of the enterprise. Therefore, the evaluation risk caused by the low validity of enterprise financial data is lowered.
Description
technical field [0001] The invention relates to the technical field of enterprise risk assessment, in particular to a statistical method for enterprise loan risk. Background technique [0002] With the development of the economy and the opening of the financial market, the competition of commercial banks has become increasingly fierce. If the efficient control of credit risk becomes the main problem in commercial loans. In the existing risk assessment process, the main assessment method is to assess each risk factor separately, and use the sum of the assessment results as the risk assessment result. [0003] In the existing evaluation methods, the financial data provided by the enterprise and the current financial resources of the enterprise are too heavily relied on, while the creditworthiness of the enterprise's debt repayment is ignored. Therefore, the availability of the evaluation results is low. Contents of the invention [0004] Based on the technical problems exis...
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 徐荣静
Owner 合肥智权信息科技有限公司