Small and medium-sized enterprise credit risk assessment platform based on online supply chain finance

Abstract

The invention provides a small and medium-sized enterprise credit risk assessment platform based on online supply chain finance. By connecting the enterprise terminal and the financial and supervisoryterminal into the automatic evaluation platform, the automatic evaluation platform can realize the automatic collection of the enterprise risk data to a certain extent, and analyze the risk situationof the enterprise according to the set rules, so as to reduce the burden of manpower and material resources and improve the work efficiency. In addition, the automatic evaluation platform allows enterprises to defend questionable risk data, and can help the financial and regulatory side to timely find abnormal data, early detection of possible illegal defaults of enterprises, and provide important reference and support for financial and regulatory institutions.

Description

Technical field [0001] The present invention relates to the field of enterprise financial supervision, in particular to a small and medium-sized enterprise credit risk assessment platform based on online supply chain finance. Background technique [0002] Supply chain finance is negotiated between banks and core enterprises in the industry to provide a flexible financing model of financial products for core enterprises in the industry and their upstream and downstream enterprises. Its main purpose is to lubricate the supply chain by providing funds for the tense links of the entire supply chain. , Increase the stability and liquidity of the supply chain. [0003] With the development of e-commerce, new business models and new business models are emerging around the Internet, and technologies such as big data and cloud computing also provide a larger platform and space for the development of supply chain financial services. In the Internet environment, corporate operations, risk co...

AI Technical Summary

Problems solved by technology

[0006] (1) As a financial business carried out on the Internet, the collection, sorting and identification of information is the most important and continuous work. In this regard, the Internet not only provides convenient and fast information collection channels, but also provides information, qualification Fraud provides an opportunity to take advantage of; on the other hand, risk control requires a large amount of information and data to support, and the traditional method of collecting relevant enterprise information requires a lot of manpower, material resources and time, which increases the burden on enterprises;

[0007] (2) The characteristics of Internet finance require that any system built on it should have a certain degree of automation and 24-hour response capabilities. However, the current online financial system relies heavily on system operators. The cost of responsiveness is also high

Images