Automatic credit scoring system in field of agricultural credit
A credit scoring and credit technology, applied in data processing applications, instruments, finance, etc., can solve the problems of long approval cycle, unable to meet the capital needs of ordinary large agricultural households, and high credit requirements
Inactive Publication Date: 2018-06-26
南京农纷期电子商务有限公司
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Problems solved by technology
The demand for agricultural finance in my country is large, and the traditional commercial bank risk assessment system cannot meet the capital needs of ordinary large agricultural households due to its complex due diligence process structure, long approval cycle, and high credit requirements. Therefore, agricultural credit enterprises urgently need to study a set of operations Simple, convenient and practical credit scoring model to guide agricultural credit work
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[0070] According to a large amount of data verification, the customer score is divided into 5 levels, the customer credit score is less than 200 points, the risk is high, and the scoring system automatically rejects it; for the customer credit score of 200-300 points, the scoring model recommends rejection, individual cases can be Consider manual intervention; for customers with a credit score of 300-400 points, the scoring model recommends manual intervention and flexible handling; for customers with a credit score of 400 or more, the scoring model recommends approval.
[0071] Such as image 3 As shown, in this embodiment, the customer whose credit limit is directly rejected is 0, and the customer whose credit score is between 200 and 350 points is divided into three scenarios according to the actual use: agricultural material installment, agricultural machinery installment, and land rent installment, and the corresponding approval amount is also Different, they are 30,000, ...
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The invention discloses an automatic credit scoring system in field of agricultural credit. The system comprises an information acquisition module, a hierarchical structure model construction module and a credit rating module, wherein the information acquisition module is used for acquiring information of users, such as personal attributes, family attributes, credit histories, asset conditions, liability conditions and business conditions; the hierarchical structure model construction module is used for constructing a hierarchical structure model according to the information acquired by the information acquisition module, and establishing a hierarchical structure; and the credit rating module is used for rating the credits of users according to the hierarchical structure model so as to generate user credit rating reports.
Description
technical field [0001] The invention relates to an automatic credit scoring system in the field of agricultural credit. Background technique [0002] Personal credit rating is the foundation of the social credit system and an important source of evidence for enterprises to carry out credit business. In the past, agricultural credit services were not stable due to the poor stability of farmers' agricultural operations, and the status of farmers' property could not be scientifically assessed. On the whole, farmers' ability to resist risks in the credit field was poor. my country's agriculture is gradually moving towards scale and intensification. In the long run, this development trend can not only solve the scattered resources of agricultural decentralized management, short industrial chain, low degree of marketization, and farmers' constraints in terms of information, capital, and technology. , It can also break through the limitations of small agricultural markets and promo...
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Login to View More IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 崔健范学山周建
Owner 南京农纷期电子商务有限公司