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Risk assessment method, apparatus, and computer-readable storage medium

A technology for risk assessment and storage media, applied in the field of risk assessment methods, devices and computer-readable storage media, which can solve problems such as objective and comprehensive assessment of the enterprise's own risk status

Inactive Publication Date: 2018-12-28
深圳市人民政府金融发展服务办公室
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  • Application Information

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Problems solved by technology

[0004] The main purpose of the present invention is to provide a risk assessment method, device and computer-readable storage medium, aiming to solve the technical problem that the existing enterprise risk assessment methods are difficult to objectively and comprehensively assess the enterprise's own risk status

Method used

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  • Risk assessment method, apparatus, and computer-readable storage medium
  • Risk assessment method, apparatus, and computer-readable storage medium
  • Risk assessment method, apparatus, and computer-readable storage medium

Examples

Experimental program
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specific Embodiment approach

[0075] A specific implementation method includes:

[0076] Step S31, obtaining weight factors corresponding to the sub-category risk indicators;

[0077] Step S32, multiplying the basic index data of the sub-category risk index by the weight factor, and the obtained result is the score of the sub-category risk index.

[0078] That is, each subcategory of risk indicators in a single risk indicator corresponds to a different weighting factor. The weight factor is set according to the actual situation. The value of the weighting factor indicates the influence degree of this sub-category risk indicator on a single risk indicator.

[0079] Step S40 , summing up and calculating the determined scores of the risk indicators of each subcategory, and determining the total risk assessment score of the enterprise to be assessed according to the result of the summarizing calculation.

[0080] The summary calculation method may be to directly sum the scores of each sub-category of risk i...

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Abstract

The invention provides a risk assessment method. The method comprises the following steps: acquiring basic index data corresponding to risk elements of an enterprise to be assessed; Wherein, the riskelement comprises a plurality of risk indicators, and each single risk indicator comprises a plurality of sub-type risk indicators, acquiring a risk threshold value corresponding to the sub-category risk index, and judging whether the basic index data of the sub-category risk index exceeds the risk threshold value; if exceeding, determining the score of the sub-category risk index according to thebasic index data; summarizing and calculating the scores of the determined sub-category risk indicators to determine the total score of the risk assessment of the enterprise to be evaluated; according to the total risk assessment score, the risk assessment level of the enterprise to be evaluated being determined. The invention also provides a risk assessment device and a computer-readable storagemedium. The invention solves the technical problem that the existing enterprise risk assessment method is difficult to objectively and comprehensively assess the risk status of the enterprise.

Description

technical field [0001] The present invention relates to the technical field of credit evaluation, in particular to a risk evaluation method, device and computer-readable storage medium. Background technique [0002] In the financial system of the modern market economy, enterprises often need to borrow from banks or other financial institutions to maintain their normal development. Banks or other financial institutions will conduct pre-loan assessments of enterprises to assess their risk status and ability to repay loans. At present, it is generally evaluated through the transaction data of corporate funds; bank data has the advantages of objectivity and quantification. The large amount of capital turnover and frequent turnover indicate that the company is operating well. However, corporate bank statements are easy to falsify, and the bank statement data volume is large. Manual audits can only be spot checks, combined with corporate purchase and sales contracts, to judge the...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 何晓军刘大平陈佺忠陈颖朱腾杜明灯
Owner 深圳市人民政府金融发展服务办公室
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