Company credit assessment method and system
A technology of credit evaluation and credit scoring, which is applied in the financial field, can solve problems such as the inability to fully credible evaluation of enterprises, the authenticity and comprehensiveness of enterprise credit information, and achieve the effect of improving credibility and high credibility
Inactive Publication Date: 2017-05-31
深圳微众信用科技股份有限公司
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However, the authenticity and comprehensiveness of the enterprise credit information obtained through the above channels are not guaranteed, so it is impossible to make a comprehensive and credible evaluation of the enterprise
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[0127] As a specific embodiment, the enterprise credit evaluation system provided by the present invention may also include:
[0128] The preprocessing module is used to preprocess the indicator data after acquiring the indicator data of the enterprise to be evaluated.
[0129] Wherein, the preprocessing module may specifically include:
[0130] a second data cleaning subunit, configured to perform data cleaning on the indicator data;
[0131] The second processing sub-unit is used for identifying the variable type of the indicator data, distinguishing between continuous variables and nominal variables; performing segmentation processing on the continuous variables in the indicator data, and processing the nominal variables in the indicator data in sections. The base is judged, and the base reduction process is performed on the nominal variables that need to be reduced;
[0132] The second format conversion subunit is used for converting the indicator data into a format that...
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The invention discloses a company credit assessment method and system. The method comprises the steps: using tax related data and credit data of multiple companies as sample data; according to the sample data, establishing a company credit grading card model in advance; obtaining index data of a company to be assessed; performing evidence weight conversion on the index data, to generate an evidence weight value; invoking the company credit grading card model, and calculating a credit grade and default probability of the company to be assessed according to the generated evidence weight value; and establishing the company credit grading card model based on thecompany tax related data to perform a credit assessment on the tax related data of the company. Since, the authenticity and comprehensiveness of the company tax related data are better as compared with other types of company credit data, performing an overall analysis assessment on the company credit based on the overall true tax related data may enable the reliability of the result of the company credit assessment to be high. In view of the above, the method and the system disclosed by the application perform a company credit assessment based on the overall true company tax related data, which improves the reliability of the result of the company credit assessment.
Description
technical field [0001] The invention relates to the financial field, in particular to a method and system for evaluating enterprise credit. Background technique [0002] With the development and progress of society, corporate credit and corporate economic interests are more and more closely related. [0003] Enterprise credit can be obtained by credit reporting agencies through enterprise credit evaluation methods, that is, enterprises that provide credit information services collect the credit information of enterprises according to legal means, process the credit information, and form credit reporting products such as enterprise credit reports. [0004] At present, most of the credit bureaus, the data used to evaluate the credit of enterprises are not credible. The credibility of credit information can be determined to a certain extent by the source of corporate credit information. There are many sources of corporate credit information, such as data based on trading platf...
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Login to View More IPC IPC(8): G06Q10/06
CPCG06Q10/0639
Inventor 琚泽霞胡文彬张乐宋磊刘祥涛赵彦晖孙淏添
Owner 深圳微众信用科技股份有限公司