Enterprise risk assessment system

Abstract

The invention provides an enterprise risk assessment system, which comprises a data collection module, a data processing module, a data storage module, a data calling module and a report generation module. The data collection module and the data processing module are connected. The data processing module and the data storage module are connected. The data storage module comprises a mirror image region and a database region. The mirror image region is used for storing the operation data and the industry data of an enterprise. The database region is internally pre-provided with a plurality of evaluation models corresponding to different operating states, and standard evaluation results corresponding to the evaluation models. The data calling module and the data storage module are connected. The report generation module is connected with the data storage module and the data calling module. Based on the system, the condition of the enterprise can be truly understood, so that the system provides a guarantee for further analysis and decision. Meanwhile, the risk of debit and credit cooperation is reduced.

Description

technical field [0001] The invention relates to the technical field of enterprise risk assessment, in particular to a system for enterprise risk assessment. Background technique [0002] 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. [0003] 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. The traditional corporate credit risk research mainly takes credible corporate financial data as the evaluation standard. However, due to the low qual...

AI Technical Summary

Problems solved by technology

The traditional corporate credit risk research mainly takes credible corporate financial data as the evaluation standard. However, due to the low quality of financial statement information of small and medium-sized enterprises, the credit risk of small and medium-sized enterprises is highly influenced by the person in charge of the enterprise, and the credibility of financial statement information is extremely high. Low, 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.

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