Enterprise lending credit evaluation system

A technology for evaluating systems and credit ratings, applied in data processing applications, instruments, finance, etc., can solve the problems of low availability of evaluation results, neglect of corporate debt repayment creditworthiness, etc., and achieve the effects of avoiding low authenticity, reducing risks, and not being easy to falsify

Inactive Publication Date: 2016-03-30
合肥智权信息科技有限公司
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Problems solved by technology

[0003] In the existing evaluation methods, the financial data provided by the enterprise and the current financial resources of the enterprise are

Method used

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  • Enterprise lending credit evaluation system

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Embodiment Construction

[0024] refer to figure 1 , a credit evaluation system for enterprise loans proposed by the present invention, including a traceability module of enterprise debt repayment history, a responsible person's reputation evaluation module, a responsible person's asset stability evaluation module and a comprehensive measurement module.

[0025] The enterprise debt repayment history tracing module is used to obtain the enterprise debt repayment history data, and evaluate the enterprise debt repayment credit threshold a according to the enterprise debt repayment history data. Specifically, the enterprise’s debt repayment history traceability module counts three categories of on-schedule repayment times A, overdue repayment times B and unpaid times C according to the company’s historical debt repayment data, and imports the three types of data into the preset first calculation model to calculate the enterprise Debt service credit threshold.

[0026] The first calculation model is:

[0...

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Abstract

The invention discloses an enterprise lending credit evaluation system, which comprises an enterprise debt repayment historical retrospection module, a responsible person reputation evaluation module, a responsible person asset stability evaluation module and an integrated metering module. According to the technical scheme of the invention, not only the financial strength of an enterprise is reflected by the debt repayment history of the enterprise, but also the credit of the enterprise in debit and credit is also reflected. In the embodiments of the invention, the debt repayment history of the enterprise is evaluated. In this way, the one sidedness problem of the single evaluation on the financial strength of the enterprise can be solved. Moreover, the tedious independent evaluation process for independently evaluating the financial strength of the enterprise and the debt repayment credit of the enterprise can be avoided. The responsible person reputation evaluation module is used for evaluating the overall reputation of the responsible person of the enterprise, and the evaluation result of the responsible person reputation evaluation module can reflect the moral quality and the feasibility of the responsible person to a certain degree. The financial strength of the enterprise is associated with the financial strength of the responsible person. The responsible person asset stability evaluation module is used for further evaluating the real estate threshold of the responsible person. Therefore, the evaluation accuracy for the financial strength of the enterprise is improved.

Description

technical field [0001] The invention relates to the technical field of enterprise evaluation, in particular to an enterprise loan credit evaluation system. 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 existing in...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 徐荣静
Owner 合肥智权信息科技有限公司
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