A method for detecting financial acquisition values and calculating a credit line

Abstract

The invention discloses a method for detecting financial acquisition values and calculating a credit line. The method comprises the following steps: obtaining credit basic information and a plurality of financial acquisition values of a loaning subject; obtaining N financial data values; calculating credit scoring adjustment coefficient alpha, which influences the credit line; obtaining dispersion degrees delta1, delta2,......,[delta]n of the financial data values respectively; carrying out weighted calculating to obtain a comprehensive dispersion degree of the financial data values; and utilizing (1-Delta) as a credibility adjustment coefficient to calculate a suggested credit line, wherein the suggested credit line= annual net profit* (1-Delta)*alpha. The invention provides the method for ingeniously and reasonably detecting the financial acquisition values and calculating the credit line; and data deviation degree is introduced to modify the credit line, so that the final credit amount is allowed to be more accurate and reliable, and financial safety and risk assessment operation efficiency of the loaning subject are improved greatly.

Description

technical field [0001] The invention relates to a data processing method, in particular to a financial data processing method. Background technique [0002] With the development of my country's market economy, the development of the financial industry is particularly rapid, and the credit business is playing an increasingly important role in the increasingly large financial activities. It is involved in various fields of society, and the audience includes various enterprises and In the increasingly frequent financial credit business, how to evaluate and analyze the relative credit value of the customer based on the customer's daily economic data (financial collection value), so as to obtain the most reasonable credit line has become the key point of the modern credit finance industry. A difficult problem that needs to be solved urgently. [0003] If there is no reasonable and effective solution to the problems during this period, vicious incidents such as long loans, triangul...

AI Technical Summary

Problems solved by technology

[0005] The defect of the existing technical solution is that when the borrower makes a serious error in providing information or can falsify and provide wrong financial information in order to obtain a higher loan amount, it is often difficult for the customer manager who performs the business to identify the wrong information. , even if some errors are identified, many times they do not know how to scientifically and rationally reflect these errors in the degree of impact on the credit line

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