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Enterprise credit risk assessment method and apparatus

A risk assessment and enterprise technology, applied in the field of data processing, can solve problems such as one-sidedness and lag

Inactive Publication Date: 2016-10-12
MINSHENG BANKING CORP
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  • Abstract
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  • Claims
  • Application Information

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Problems solved by technology

[0004] The embodiment of the present invention provides a method for evaluating enterprise credit risk, which solves the problem of subjectivity, one-sidedness and hysteresis in the evaluation results of enterprise credit risk evaluation through expert experience models in the prior art

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  • Enterprise credit risk assessment method and apparatus
  • Enterprise credit risk assessment method and apparatus
  • Enterprise credit risk assessment method and apparatus

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Embodiment Construction

[0026] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0027] It should be understood that the term "and / or" used herein is only an association relationship describing associated objects, indicating that there may be three relationships, for example, A and / or B, which may mean that A exists alone, and A and B exist simultaneously. B, there are three situations of B alone. In addition, the charac...

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Abstract

The present invention provides an enterprise credit risk assessment method and an apparatus. The method comprises the steps of extracting an objective factor out of an objective circumstance survey report of a to-be-trusted enterprise, and adopting the objective factor of the objective circumstance survey report as a first objective factor; inputting the first objective factor into each pre-stored risk analysis model, and outputting a first analysis factor corresponding to each risk analysis model; inputting the first objective factor and the first analysis factor into each pre-stored risk judgment model and outputting a first conclusion factor corresponding to each risk judgment model; executing the operation till the outputted first conclusion factor does not change at all. The above operation comprises the steps of inputting the first objective factor, the first analysis factor and the first conclusion factor of the last output result into each pre-stored risk judgment model, outputting the first conclusion factor corresponding to each risk judgment model, and combining the first objective factor, the first analysis factor and all first conclusion factors to form a credit risk view.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of data processing, and in particular to a method and device for assessing enterprise credit risk. Background technique [0002] With the continuous deepening of the market economy, the scale of bank credit continues to expand. When banks provide loans to enterprises, they need to evaluate the credit risk of the enterprise, and provide loans to enterprises with no credit risk or low credit risk. [0003] At present, the credit risk assessment methods adopted by banks in the pre-lending process of enterprises are mainly based on expert experience models, supplemented by actual data for adjustment. Therefore, the evaluation factors and indicators involved in the expert experience model are relatively subjective, and it is difficult to guarantee the comprehensiveness of the evaluation. At the same time, the update cycle of the expert experience model is long, and each update requires ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 黄绍辉王芳董俊博郭林海张云峰赵璐施敬思曹印杰王瑞洪丹
Owner MINSHENG BANKING CORP
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