Medium small and micro-sized enterprise credit system

An enterprise and credit technology, applied in the field of small, medium and micro enterprise credit system, can solve the problems of high loan interest rate, capital gap, and high financing threshold, and achieve the effect of increasing innovation, reliable data and high efficiency

Inactive Publication Date: 2018-11-23
浪潮卓数大数据产业发展有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] For a long time, "difficult and expensive financing" has plagued the development of my country's real economy, especially in weak areas such as "agriculture, rural areas and farmers" and small,

Method used

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  • Medium small and micro-sized enterprise credit system
  • Medium small and micro-sized enterprise credit system
  • Medium small and micro-sized enterprise credit system

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0021] The content of the present invention is described in more detail below:

[0022] The expression of the present invention is as follows:

[0023] The data sources of the micro, small and medium-sized enterprise credit system include corporate Internet big data, government affairs data, enterprise internal data, water and electricity data, bank data, and third-party data, see figure 1 .

[0024]Enterprise Internet data includes enterprise operating data (such as bid winning data, bidding data, major project data, stock market information, product data, etc.), enterprise risk information (such as judgment documents, court announcements, court announcements, investment and financing information, movable property pledges, etc.) and enterprise e-commerce data (such as enterprise online store information, online store sales information, etc.); enterprise government affairs data is mainly based on the data requirements of enterprises put forward by various banking and financi...

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Abstract

The invention provides a medium small and micro-sized enterprise credit system, and belongs to the technical field of information processing. According to the system, based on enterprise (personal) authorization, according to enterprise internet big data, government affair data, enterprise internal data, water electricity and gas data, bank data and third-party data, the data are connected, integrated and analyzed; a small and micro-sized enterprise credit model is built; rapid evaluation of enterprise credit is achieved; enterprise comprehensive credit is evaluated through the enterprise credit model; a bank performs credit granting evaluation on medium and small-sized enterprises in combination with credit granting evaluation and credit granting decision models through an enterprise comprehensive credit model, and notifies evaluation results to the enterprises for performing offline lending; one-stop financial services are provided for the enterprises; and online client acquisition and comprehensive risk control services are provided for the bank. The problems of difficult financing, expensive financing and low financing efficiency of the medium and small-sized enterprises are solved; fast, efficient and authoritative enterprise comprehensive credit evaluation scores are provided for financial credit agencies; and integrity development of the enterprises is promoted.

Description

technical field [0001] The invention relates to enterprise information processing, integration, authorization, open fields, government affairs, bank information interaction technology, and in particular to a credit system for small, medium and micro enterprises. Background technique [0002] For a long time, "difficult and expensive financing" has plagued the development of my country's real economy, especially in weak areas such as "agriculture, rural areas and farmers" and small, medium and micro enterprises. The financing threshold is high, the financing method is single, and the financing channels are narrow. High interest rates, high financing costs, and serious funding gaps. Contents of the invention [0003] In order to solve the above technical problems, the present invention proposes a credit system for small, medium and micro enterprises. Closely cooperate with local government departments, banking regulatory departments and banking financial institutions, and ...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q10/10G06Q40/02
CPCG06Q10/0635G06Q10/103G06Q40/03
Inventor 唐旋孙荣田崔乐乐赵兵旗
Owner 浪潮卓数大数据产业发展有限公司
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