Internet financial enterprise credit risk analysis method and system based on big data

A risk analysis and Internet technology, applied in the field of credit risk analysis of Internet financial enterprises based on big data, can solve the problems of few business entities covered, confusion of credit scoring standards, and high labor cost of credit investigation, so as to improve risk control ability and reduce Risk of going wrong, results backed by solid data

Inactive Publication Date: 2018-10-09
NAT COMP NETWORK & INFORMATION SECURITY MANAGEMENT CENT
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  • Description
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Problems solved by technology

[0002] Existing Internet financial platforms generally conduct simple credit evaluations by collecting offline corporate information of Internet financial companies. However, traditional offline corporate credit reporting has high labor costs and covers fewer corporate entities, making it difficult to To meet the needs of large-scale credit evaluation in the field of Internet credit. In addition, there are currently some online credit analysis products, but these online credit analysis products lack the in-depth mining of credit information of Internet financial companies, and the credit scoring standards are chaotic. It is difficult to achieve the purpose of avoiding financial risks through credit evaluation

Method used

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  • Internet financial enterprise credit risk analysis method and system based on big data
  • Internet financial enterprise credit risk analysis method and system based on big data

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Embodiment 1

[0028] The embodiment of the present invention provides a method for analyzing the credit risk of Internet financial enterprises based on big data, which is suitable for Internet financial platforms to evaluate the credit risk of Internet financial enterprises, see figure 1 , the method can include:

[0029] Step S11, collect the credit information of Internet financial enterprises, the credit information includes: enterprise basic information, administrative penalty information, administrative license information, public opinion information, talent information, capital operation information, bidding information, legal proceedings information, intellectual property information , abnormal business information, and corporate annual report information.

[0030] In this embodiment, Internet financial enterprises refer to enterprises that participate in financial activities (such as credit, etc.) of Internet financial platforms. The credit investigation of these enterprises needs t...

Embodiment 2

[0060] The embodiment of the present invention provides a big data-based Internet financial enterprise credit risk analysis system, which implements the method described in Embodiment 1, see figure 2 , the system may include: a collection module 100, a construction module 200, and a processing module 300.

[0061] The collection module 100 is used to collect credit information of Internet financial enterprises. The credit information includes: basic information of the enterprise, administrative penalty information, administrative license information, public opinion information, talent information, capital operation information, bidding information, legal proceedings information, At least one of intellectual property information, business abnormality information, and corporate annual report information.

[0062] In this embodiment, Internet financial enterprises refer to enterprises that participate in financial activities (such as credit, etc.) of Internet financial platforms...

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Abstract

The invention discloses an internet financial enterprise credit risk analysis method and system based on big data. The method comprises the steps that the credit information of an internet financial enterprise is collected; a credit risk assessment model related to the internet financial enterprise is constructed through the collected credit information; a credit risk assessment model related to the internet financial enterprise is constructed; the constructed credit risk assessment model is used to assess the credit risk of the internet financial enterprise; and an internet financial platformdetermines whether financial transactions with the internet financial enterprise is suitable. According to the internet financial enterprise credit risk analysis method based on big data, the creditof the internet financial enterprise can be accurately evaluated; accurate and effective credit assessment is provided for the internet financial platform; the risk control ability of the internet financial platform is improved; and the risk of the problems of the internet financial enterprise is reduced.

Description

technical field [0001] The present invention relates to the technical field of credit investigation and analysis of Internet financial enterprises, in particular to a method and system for analyzing credit investigation risks of Internet financial enterprises based on big data. Background technique [0002] Existing Internet financial platforms generally conduct simple credit evaluations by collecting offline corporate information of Internet financial companies. However, traditional offline corporate credit reporting has high labor costs and covers fewer corporate entities, making it difficult to To meet the needs of large-scale credit evaluation in the field of Internet credit. In addition, there are currently some online credit analysis products, but these online credit analysis products lack the in-depth mining of credit information of Internet financial companies, and the credit scoring standards are chaotic. It is difficult to achieve the purpose of avoiding financial ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 马秀娟毛洪亮徐小磊苏沐冉李焱余
Owner NAT COMP NETWORK & INFORMATION SECURITY MANAGEMENT CENT
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