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Credit status assessment method and device

A status and credit technology, applied in special data processing applications, network data retrieval, instruments, etc., can solve problems such as inaccuracy and incomplete credit status evaluation, and achieve the effect of improving assistance and evaluation accuracy

Inactive Publication Date: 2016-04-27
TIANHONG ASSET MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In view of this, the object of the present invention is to provide a method and device for assessing credit status, so as to improve the problem of incomplete and inaccurate assessment of the entity's credit status in the prior art

Method used

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  • Credit status assessment method and device
  • Credit status assessment method and device

Examples

Experimental program
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no. 1 example

[0027] image 3 A flow chart of the credit status evaluation method provided by the first embodiment of the present invention is shown. see image 3 , the credit status assessment method provided by the first embodiment may include:

[0028] Step S11, crawling in real time all the news data associated with the target subject within the first preset time period.

[0029]Specifically, the server can crawl real-time (for example, every 5 minutes) information related to the target subject from a combination of one or more of the government agency websites, financial websites, the target subject's portal website, and social media sites. All associated news data within the first preset time period. The acquired news data may include various policy data affecting the development trend of the target subject, analysis and evaluation data of the target subject by the mass media, and development strategy data of the target subject. Social media sites may include microblogging, forums...

no. 2 example

[0057] Figure 4 A flow chart of the credit status evaluation method provided by the second embodiment of the present invention is shown. see Figure 4 The main difference between the credit situation assessment method provided in the second embodiment of the present invention and the credit situation assessment method provided in the first embodiment of the present invention is that: the credit situation assessment method provided in the second embodiment may also include steps performed after step S12 Step S16 and step S17 executed after step S15. For the similarities between the second embodiment and the first embodiment, please refer to the relevant description of the first embodiment, which will not be repeated here.

[0058] Step S16, match each piece of news data processed by word segmentation with the data of key events in the preset event library, and whenever a piece of news data processed by word segmentation matches the data of one of the key events, it will be s...

no. 3 example

[0065] The third embodiment of the present invention provides a credit status evaluation device. see Figure 5 , the credit status evaluation device 300A provided by the third embodiment of the present invention may include:

[0066] Crawling module 310, is used for real-time crawling all news data associated with the target subject within the first preset time period;

[0067] The word segmentation module 320 is used to carry out word segmentation processing to each piece of news data crawled;

[0068] The positive and negative statistics module 330 is used to classify each piece of news data after word segmentation by using a preset positive and negative classification model, and perform a positive or negative situation corresponding to each piece of news data obtained. Statistically obtain the positive or negative news related to the target subject;

[0069] An acquisition module 340, configured to acquire a plurality of current fixed income factors associated with the t...

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Abstract

An embodiment of the invention provides a credit status assessment method and device. The method comprises the following steps: all news data associated with a target body in a first preset time period are crawled in real time; each crawled news datum is subjected to word segmentation processing; a preset good news and bad news classification model is used for classifying the news data after word segmentation processing, obtained good news statuses or bad news statuses corresponding to each news datum are calculated, and a good news or bad news index of news associated with the target body is obtained; a plurality of current fixed income factors associated with the target body are acquired; the credit status of the target body is assessed with a preset credit assessment model according to the good news or bad news index of the news and the plurality of current fixed income factors.

Description

technical field [0001] The present invention relates to the field of computer Internet, in particular, to a method and device for assessing credit status. Background technique [0002] In the prior art, neurolinguistic programming (NLP) technology can be used to determine the positive and negative emotional tendencies of Internet public opinion, but there is no technical solution to link Internet public opinion with the investment logic of bond products, especially fixed-income products. The reason is that There is a big difference between the positive and negative news of Internet public opinion and the positive and negative factors in investment logic. That is to say, at present, the financial information, industry information, market information, etc. of the entity (that is, the company) that issue fixed-income products are mostly used to evaluate the credit status of the entity to assist in the analysis of fixed-income investment decisions. However, the credit status ob...

Claims

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Application Information

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IPC IPC(8): G06F17/30G06K9/62
CPCG06F16/951G06F18/24
Inventor 韩海潮刘硕凌于宗文谢臣哲
Owner TIANHONG ASSET MANAGEMENT CO LTD
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