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Enterprises credit assessment method and enterprise credit assessment device

A credit evaluation and enterprise technology, which is applied in data processing applications, instruments, finance, etc., can solve the problems that corporate bank statements are easy to be falsified, the amount of bank statement data is large, and evaluation cannot be realized, so as to improve efficiency, reduce credit risks, and improve objectivity effect

Inactive Publication Date: 2017-05-31
ZICT TECH CO LTD
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  • Summary
  • Abstract
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  • Claims
  • Application Information

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Problems solved by technology

The large amount of capital turnover and frequent turnover indicate that the company is operating well. However, corporate bank statements are easy to falsify, and the amount of bank statement data is large. Manual audits can only be spot checks, combined with corporate purchase and sales contracts, to judge the authenticity of corporate bank statements
In the existing technology, many methods of evaluating enterprises based on enterprise management or financial data are only methods of evaluating enterprises by collecting their own data and using models. There will be certain loopholes and objective evaluation cannot be achieved.
[0003] Therefore, how to design an enterprise credit evaluation method to reduce the possibility of enterprises’ fraudulent bank statements leading to the inability to achieve objective evaluation, and to conduct comprehensive evaluation through the data of enterprise related objects has become an urgent technical problem to be solved

Method used

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  • Enterprises credit assessment method and enterprise credit assessment device
  • Enterprises credit assessment method and enterprise credit assessment device
  • Enterprises credit assessment method and enterprise credit assessment device

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Experimental program
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specific Embodiment 1

[0135] Specific embodiment one, according to the enterprise credit evaluation method provided by the present invention, such as Figure 9a As shown, first of all, before assessing the enterprise, the bank needs to record the complete bank flow in advance. The bank flow collection system obtains the bank flow data of the entire bank, not only the enterprise to be evaluated, but also the transaction flow data of the associated transaction object, as well as The transaction flow data of the transaction object of the associated transaction object can be included to form big data of bank flow, which can better and more comprehensively evaluate the enterprise. Then, classify according to the transaction object, and then score each transaction object according to the transaction amount and transaction frequency, then reclassify the transaction type of each transaction object, and score according to the amount and frequency, and determine each type according to the reclassification res...

specific Embodiment 2

[0136] Specific embodiment two, such as Figure 9b As shown, assume that A is the enterprise to be evaluated, companies B, C, and D are the transaction objects, and A has capital transactions with companies B, C, and D respectively. Firstly, all transaction records and corresponding transaction objects of company A are extracted through the bank flow collection system 912, and the bank flow of company A is classified by B, C, and D through the data screening and classification system 908, and the transaction indicators are passed according to the classification results The evaluation model system 910 evaluates the scores, and then reclassifies the capital transaction flow of A and B according to the transaction type, and performs evaluation model calculation on the classified data to obtain the score of each transaction type and determine the change value, so as to obtain a more accurate Assessment score, for example, Company A pays 500,000 yuan to Company B for goods on the 5...

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Abstract

The invention provides an enterprise credit assessment method and an enterprise credit assessment device. The method comprises steps of acquiring all transaction recorder of an enterprise based on a predetermined period; classifying all the transaction records according to a transaction object of each transaction record; carrying out assessment calculation on all the transaction records in each type so as to obtain an assessment score of each type; and gathering the assessment scores of all types so as to obtain an assessment score of the to-be-assessed enterprise. According to the invention, bank statement data of the enterprise can be assessed in a quite proper manner, so fake bank statements are avoided, credit risks of the enterprise are avoided and the enterprise can be assessed in a quite comprehensive and objective manner through the credit data of transaction objects of the bank statement.

Description

technical field [0001] The present invention relates to the technical field of credit evaluation, in particular to an enterprise credit evaluation method and an enterprise credit evaluation device. Background technique [0002] At present, it is the main method of pre-loan evaluation for banks to evaluate enterprises through the enterprise capital transaction flow data. The bank flow data has the advantages of objectivity and quantification. The large amount of capital turnover and frequent turnover indicate that the company is operating well. However, corporate bank statements are easy to falsify, and the bank statement data volume is large. Manual audits can only be spot checks, combined with corporate purchase and sales contracts, to judge the authenticity of corporate bank statements. In the existing technology, many methods of evaluating enterprises based on enterprise management or financial data are only methods of evaluating enterprises by collecting their own data a...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 崔玉珩
Owner ZICT TECH CO LTD
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