Enterprise credit risk early-warning and monitoring method

Abstract

The invention discloses an enterprise credit risk early-warning and monitoring method, comprising: according to an enterprise's client list provided by the system, collecting multi-party data sources; cleaning the extracted data through the removal of invalid data and repetitive data in a manner of data combination and repeating the association mining; based on the obtained multiple data sources and in combination with the score evaluation card mode provided by related service people, determining the factors that meet the risk triggering condition and calculating the risk score of the enterprise itself; calculating the associated influence factor for the associated enterprise; setting different risk transfer weights and evaluating different transfer coefficients for the association relationship; and calculating the risk score of the associated enterprise; adding the calculated risk score weight of the associated enterprise to the risk score of a main enterprise; obtaining a final risk score; and finally, based on the calculated risk score, using a mechanics graph model to draw an association relationship graph. With the method of the invention, the presentation mode for the association relationship graph is optimized, and therefore, a better presentation effect can be achieved.

Description

technical field [0001] The invention relates to the fields of credit risk control and risk early warning, in particular to a method for early warning and monitoring of enterprise credit risk. Background technique [0002] Under the current background of “heavy mortgage over credit” in the banking industry, corporate credit risk should not only consider factors such as the company’s own operating conditions and credit conditions, but also consider the risk status of the company’s affiliated companies, especially those involving guarantee relationships. . At present, there are very few products that take the risks of affiliated companies into the overall risk considerations. Most of the existing products only draw correlation diagrams without calculating the risks of affiliated companies. [0003] Different association relationships should not be the same for the transmission of enterprise risk, and need to be treated differently. Different influencing factors are set to calc...

AI Technical Summary

Problems solved by technology

At present, there are few products that take the risks of affiliated enterprises into the overall risk considerations, and most of the existing products only draw association diagrams without calculating the risks of affiliated enterprises

[0003] Different association relationships should not be the same for the transmission of enterprise risk, and need to be treated differently. Different influencing factors are set to calculate the risk score of transmission. The mechanical diagram is often used to display the association relationship diagram, and the simple mechanical diagram model is easy to cause points and The edges are mixed together, and the visibility effect is poor

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