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Credit assessment method and apparatus

A credit evaluation and credit technology, applied in the field of data processing, can solve the problems of long consumption and low credit evaluation efficiency.

Inactive Publication Date: 2017-06-27
SHANDONG INSPUR CLOUD SERVICE INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0004] For the current method of credit evaluation, the data resources used for credit evaluation are distributed on different data carriers. When credit evaluation is required, it takes a long time to obtain relevant data resources from each data carrier. Resulting in less efficient credit assessment

Method used

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  • Credit assessment method and apparatus
  • Credit assessment method and apparatus

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Embodiment Construction

[0044] 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 the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work belong to the protection of the present invention. scope.

[0045] Such as figure 1 As shown, the embodiment of the present invention provides a method for credit evaluation, which may include the following steps:

[0046] Step 101: collecting credit data from at least two data carriers, and storing the credit data in a preset credit database;

[0047] Step 102: For any credit reference object, read the credit...

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Abstract

The invention provides a credit assessment method and apparatus. The method comprises: acquiring credit data from at least two data carriers and storing the credit data in a preset credit database; for any credit investigation object, reading the credit data of the credit investigation object from the credit database; performing credit assessment on the credit investigation object by using a preset assessment model based on the read credit data to form and store a corresponding credit assessment report; determining a credit investigation object to be queried according to an externally input credit query request; and reading and outputting the credit assessment report of the credit investigation object to be queried. The apparatus comprises an acquisition unit, an assessment unit, a receiving unit and an output unit. The method and apparatus can improve the efficiency of credit assessment.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit evaluation method and device. Background technique [0002] Credit evaluation refers to the market behavior in which credit evaluation agencies use expert judgment or data analysis methods to comprehensively evaluate the ability and credibility of individuals and companies to perform various commitments and express them in simple and clear symbols or documents to meet social needs. Credit evaluation is widely used in lending behavior, corporate financing, etc., and plays an important role in the market economy. [0003] At present, when evaluating the credit of an individual or an enterprise, data resources are obtained from various data carriers, and the credit of the individual or enterprise is evaluated based on the obtained data resources. [0004] For the current method of credit evaluation, the data resources used for credit evaluation are distributed on d...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F17/30
CPCG06F16/2315G06F16/2358G06F16/2365G06Q40/03
Inventor 唐旋崔乐乐王传超谢传家毛立花
Owner SHANDONG INSPUR CLOUD SERVICE INFORMATION TECH CO LTD
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