Enterprise credit risk early-warning and monitoring method

A risk early warning and enterprise technology, applied in the fields of instruments, finance, data processing applications, etc., can solve problems such as poor visibility, no calculation of associated enterprise risks, mixed points and edges, etc., to achieve good display effect and optimization Demonstration form, accurate effect of risk consideration

Inactive Publication Date: 2017-10-24
兴业数字金融服务(上海)股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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  • Enterprise credit risk early-warning and monitoring method
  • Enterprise credit risk early-warning and monitoring method
  • Enterprise credit risk early-warning and monitoring method

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Embodiment Construction

[0026] 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 embodiments of the present invention, but not all embodiments.

[0027] figure 1 It is a schematic diagram of an enterprise credit risk early warning and monitoring method of the present invention. Such as figure 1 Shown, a kind of enterprise credit risk early warning monitoring method of the present invention is characterized in that, comprises the steps:

[0028] Step S1: According to the corporate customer list provided by the system user, collect multiple data sources, clean the extracted associated data by deleting invalid data and merging and deduplicating the data, and then generate a data association di...

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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...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 刘弈
Owner 兴业数字金融服务(上海)股份有限公司
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