Composite credit evaluation method based on customs data and financial data
A composite credit reporting and financial data technology, applied in finance, data processing applications, instruments, etc., can solve the problems of no credit evaluation and management methods, no credit certification, etc., and achieve good multi-party economic benefits, good social benefits, and user convenience Effect
Active Publication Date: 2017-12-29
英联(厦门)金融技术服务股份有限公司
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Problems solved by technology
[0002] At present, domestic credit ratings are mostly in the financial category such as banks. Banks grant credit to individuals or enterprises. Customs only have management methods for tax collection and payment of corporate users or individual users, without credit certification, and there is no simultaneous payment of customs "tariffs". Special credit evaluation and management measures for credit extension by banks and banks
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[0029] The present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.
[0030] figure 1 , figure 2 The illustrated embodiment is an assessment method of composite credit investigation based on customs data and financial data, which specifically includes the following steps:
[0031] Step 1: The user registers with the review credit evaluation system, fills in the user information for real-name authentication, and then authorizes the review credit evaluation system through the electronic agreement to obtain the historical data of the user's trade in the customs;
[0032] Step 2: The user applies for a credit limit on the review credit rating system, and the user submits the application materials;
[0033] Step 3: After receiving the user's application, the review credit evaluation system will connect to the customs data platform and receive the historical data of the user's trade, then conduct a preliminary data ...
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The invention relates to a composite credit evaluation method based on customs data and financial data, and the method comprises the following steps: enabling a user to carry out the registration, and then authorizing a composite credit evaluation system to obtain the customs data of the trade of the user; enabling the system to carry out the initial checking of the data, screening out effective data, and carrying out the initial evaluation through a specific algorithm; pushing the data to a credit granting bank after initial evaluation; enabling the credit granting bank to carry out the comprehensive evaluation according to the data pushed by the system, the credit of the user and the trade data of the user, and checking the line of credit; feeding back a credit score and the line of credit to the composite credit evaluation system; enabling the system to feed back the credit score and the line of credit to customers after receiving the information of the credit granting bank, carrying out the data interaction, and evaluating a composite credit value; and enabling the system to regularly update the interaction data operation, monitoring and dynamic risk control. The method achieves the building of an effective relation model between customs duties and the credit and line of credit which cannot be achieved by a current market financing institution, and completes the evaluation and calculation of a specific score value.
Description
technical field [0001] The invention relates to an evaluation method of compound credit evaluation based on customs data and financial data. Background technique [0002] At present, domestic credit ratings are mostly in the financial category such as banks. Banks grant credit to individuals or enterprises. Customs only have management methods for tax collection and payment of corporate users or individual users, without credit certification, and there is no simultaneous payment of customs "tariffs". Special credit evaluation and management measures for credit extension by banks and banks. Contents of the invention [0003] The present invention solves the above-mentioned technical problems, and provides an evaluation method of composite credit evaluation based on customs data and financial data. [0004] In order to solve the above-mentioned technical problems, the technical solution of the present invention is: a composite credit evaluation method based on customs data ...
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IPC IPC(8): G06Q40/02G06Q50/26
CPCG06Q50/26G06Q40/03
Inventor 郑明程
Owner 英联(厦门)金融技术服务股份有限公司