Business data review method, device, equipment, and computer-readable storage medium

Abstract

The invention discloses a business data review method, which includes: obtaining enterprise sample data, constructing a simulated standard average in a preset coordinate system, and obtaining a simulated confidence interval based on the simulated standard average; when receiving a loan request, Obtain the enterprise operating data of the borrowing enterprise corresponding to the loan request, and fit the corresponding enterprise operating line in the preset coordinate system; compare the enterprise operating line with the simulated confidence interval, and judge whether the enterprise operating data abnormal. The invention also discloses a management data checking device, equipment and computer-readable storage medium. The invention learns large-scale enterprise data by means of machine learning, fits an average line and simulated confidence interval of enterprise operation, and then reviews the operating data of the borrowing enterprise through the average line and simulated confidence interval, thereby judging the borrowing enterprise Whether the business data of the company is authentic and credible, and identify the fraudulent behavior of the borrowing company.

Description

technical field [0001] The present invention relates to the field of financial credit, in particular to a business data review method, device, equipment and computer-readable storage medium. Background technique [0002] Enterprise credit risk assessment refers to the analysis of the operating status information of the loan enterprise to determine the possibility of overdue loans (bad debts) and whether it is a fraudulent loan. The existing enterprise credit risk assessment methods all use the enterprise's financial statements as the basic data for evaluation, and professionals analyze and review these data to determine the operating conditions of the enterprise and evaluate the credit risk. [0003] This traditional evaluation method mainly uses people to analyze the company's business data reports and other materials, and when the amount of data is large, it takes more time; at the same time, the analysis results are easily subject to the limitations of professionals' thin...

AI Technical Summary

Problems solved by technology

[0003] This traditional evaluation method mainly uses people to analyze the company's business data reports and other materials, and when the amount of data is large, it takes more time; at the same time, the analysis results are easily subject to the limitations of professionals' thinking. Affected by various factors, the evaluation results are inaccurate, and even abnormal operating data and fraudulent behaviors cannot be identified, resulting in bad loans and capital losses.

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