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Credit evaluation method and device based on wind control model

A credit assessment and credit scoring technology, applied in data processing applications, instruments, finance, etc., can solve problems such as inability to assess risks, data is not objective enough, and operations are complicated, so as to reduce the risk of false trade and fraudulent loans, reduce link demand, The effect of increasing the value of data

Inactive Publication Date: 2017-12-19
广东信基蜂巢科技有限责任公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 1. It is impossible to assess the risk based on the actual property usage status of the client enterprise and the enterprise controller;
[0006] 2, and the data is complex and the operation is complicated in the process of processing;
[0007] 3. Too much manual intervention makes the data not objective enough, and it is prone to small errors

Method used

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  • Credit evaluation method and device based on wind control model
  • Credit evaluation method and device based on wind control model

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0044] Such as figure 1 As shown, Embodiment 1 provides a credit evaluation method based on a risk control model, including the following steps:

[0045] S1: Obtain the financial information of the enterprise and conduct DuPont analysis to obtain the return on equity capital; where the return on equity capital = (operating profit after tax\sales revenue)×(sales revenue\total assets)×(net profit\after tax Operating profit)×(total assets\shareholders’ equity)=operating profit×(1-income tax rate)\sales revenue×(sales revenue\total assets)×operating profit×(1-income tax rate)-interest×(1-income tax rate ); through cross-checking the financial statements submitted by the enterprise, the bank statement of the person in charge of the enterprise, and the official financial data provided by the third-party credit investigation platform, and analyzing the relevant financial data according to the DuPont analysis model, the most close to the actual situation of the enterprise is obtained....

Embodiment 2

[0052] Embodiment 2 discloses an electronic device, which includes a processor, a memory, and a program, wherein one or more processors and memories can be used, and the program is stored in the memory and configured to be executed by the processor, When the processor executes the program, the credit evaluation method based on the risk control model in Embodiment 1 is implemented. The electronic device may be a series of electronic devices such as a mobile phone, a computer, and a tablet computer.

Embodiment 3

[0054] Embodiment 3 discloses a readable computer storage medium, which is used to store a program, and when the program is executed by a processor, the credit evaluation method based on the risk control model of Embodiment 1 is implemented.

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Abstract

The invention discloses a credit evaluation method based on a wind control model. The method comprises the steps that DuPont analysis is carried out, the financial information of an enterprise is acquired and undergoes DuPont analysis to acquire the return on equity capital; during violation calculation, the operation information of the enterprise is acquired, and the violation probability of the enterprise is acquired according to the operation information of the enterprise; at the step of rating, the evaluation information of the enterprise and the enterprise controller are acquired, and the credit rating and credit score of the enterprise are acquired according to the evaluation information; and at the step of quota calculation, the credit line and loan rate of the enterprise are updated according to the credit rating and credit score. The invention further discloses an electronic device, a computer readable storage medium and a credit evaluation device based on the wind control model. According to the invention, the credit evaluation method based on the wind control model can manage the credit line of a customer in real time; the link demand of manual intervention is reduced; the data value is improved; and the risk of fake trade and loan fraud is reduced.

Description

technical field [0001] The invention relates to the technical field of risk control, in particular to a credit evaluation method and device based on a risk control model. Background technique [0002] At present, the credit limit is a specific reflection of the credit policy of financial service institutions for customers. The credit funds that customers can obtain must be based on the credit limit approved by the financial service institution. Under the constraints of the limit, various credit business contracts are implemented. The credit limit is actually It is a risk management tool. [0003] Risk control means that risk managers take various measures and methods to eliminate or reduce the various possibilities of risk events, or risk controllers reduce the losses caused by risk events. The current financial market is diverse, and only through a large number of different Only by analyzing customer data can we effectively control risks. [0004] However, the existing so...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 余希凡杨一帆郭佳王蓬王洁生周俊迪蔡加水
Owner 广东信基蜂巢科技有限责任公司
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