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Enterprise credit evaluation system and method

A credit evaluation and enterprise technology, applied in the field of financial credit services, can solve the problems of poor applicability of enterprise credit evaluation methods, and achieve the effect of improving credibility, good applicability, and expanding the scope of application

Inactive Publication Date: 2016-06-29
SUZHOU HYT DATA TECH CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] Therefore, the technical problem to be solved by the embodiment of the present invention is that the applicability of the enterprise credit evaluation method in the prior art is poor

Method used

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  • Enterprise credit evaluation system and method
  • Enterprise credit evaluation system and method

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Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] This embodiment provides an enterprise credit evaluation system, such as figure 1 As shown, it includes: data input and output module 1, actual controller characteristic index generation module 2, enterprise characteristic index generation module 3, public opinion monitoring index generation module 4, policy impact index generation module 5, management ability index generation module 6, Sustainable development ability index generation module 7, innovation ability index generation module 8, Internet application degree index generation module 9, financial comprehensive ability index generation module 10, industry characteristic index generation module 11, credit analysis and display credit analysis report module 12 and enterprise Credit evaluation index calculation result query module 13, wherein:

[0037] The data input and output module 1 is responsible for inputting the original data of the enterprise into the actual controller characteristic index generation module 2,...

Embodiment 2

[0064] This embodiment provides an enterprise credit evaluation method, for example, it can be applied to the enterprise credit evaluation system in the above-mentioned embodiment 1, such as figure 2 shown, including the following steps:

[0065] S1. The step of obtaining the original data of the enterprise, the data input and output module receives the original data of the enterprise and saves it in a data file; preferably, the data verification step can be performed afterwards.

[0066] S2. The step of generating industry characteristic calculation results. The industry characteristic indicator generation module calls the enterprise data in the data file, uses the random forest algorithm and / or support vector machine algorithm to perform calculations, generates industry characteristic calculation results, and passes the data input and output module to The industry characteristic calculation result is stored in the data file;

[0067] S3. The step of calculating indicators,...

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Abstract

The invention discloses an enterprise credit evaluation system and method, wherein the system includes: a data input and output module, an actual controller characteristic index generation module, an enterprise characteristic index generation module, a public opinion monitoring index generation module, a policy influence index generation module, Operational management ability index generation module, sustainable development ability index generation module, innovation ability index generation module, Internet application degree index generation module, financial comprehensive ability index generation module, industry characteristic index generation module, credit analysis and display credit analysis report module and The enterprise credit evaluation index calculation result query module fully combines the characteristics of domestic large-scale and small and medium-sized enterprises, expands the application range of the enterprise credit evaluation system, and has good applicability.

Description

technical field [0001] The invention relates to the field of financial credit services, in particular to an enterprise credit evaluation system and method. Background technique [0002] At present, the most authoritative professional credit rating agencies abroad include Standard & Poor's, Moody's Investors Service, Fitch International Credit Rating Co., Ltd. and Dun & Bradstreet, etc. The credit rating index systems adopted by these companies are all It is determined after conducting in-depth investigations on the local market conditions and industry conditions of foreign companies. It is not suitable for domestic companies. The results given by these credit rating index systems for corporate credit evaluation are less credible . [0003] At present, many companies are doing research on corporate credit evaluation applicable to domestic enterprises in order to overcome the above-mentioned defects, such as Dagong International Credit Rating Co., Ltd., China Chengxin Interna...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q10/0637G06Q30/0609
Inventor 周连生路家明周一懋张强朱晗张剑
Owner SUZHOU HYT DATA TECH CO LTD
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