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Enterprise risk assessment method, system and medium

A risk assessment system and risk assessment technology, applied in the field of enterprise risk assessment methods, systems and media, can solve the problems of difficulty in financing, less accumulation of historical data, and short development time for small and medium-sized enterprises, so as to increase the amount of data and improve the accuracy , the effect of comprehensive data sources

Inactive Publication Date: 2019-03-29
李志东
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, SMEs are facing financing difficulties in the process of development. This is mainly because the development time of SMEs is short and there are few data, especially the historical data accumulation of a small and medium-sized enterprise by the same financial institution. In addition, financial institutions obtain most of the information directly from small and medium-sized enterprises in the process of evaluating small and medium-sized enterprises. In order to obtain loans as soon as possible, some small and medium-sized enterprises try to provide information that is beneficial to themselves and do not provide or provide a small amount of information that is not conducive to themselves. This information asymmetry will increase the lending risk of financial institutions

Method used

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  • Enterprise risk assessment method, system and medium
  • Enterprise risk assessment method, system and medium
  • Enterprise risk assessment method, system and medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0058] A method for enterprise risk assessment, see figure 1 , including the following steps:

[0059]S1: Use web crawlers to obtain original data related to the enterprise to be evaluated from different network data sources;

[0060] Specifically, the original data includes the historical appraisal data of the enterprise to be evaluated, the asset flow information of the enterprise under evaluation in various financial institutions, such as current assets, total assets, retained earnings, profit before interest and tax, total liabilities and sales revenue, etc. In this embodiment, the crawler can be used to obtain the original information related to the enterprise to be evaluated from different data sources. The crawler selectively crawls the webpages of major networks according to the evaluation content. It is mainly to ensure the coverage of page information collection. Under the premise, there is a high information accuracy rate at the same time.

[0061] S2: Analyzing a...

Embodiment 2

[0079] Embodiment 2 On the basis of Embodiment 1, the following content is added:

[0080] Due to the sharp increase in the number of web pages, the proportion of web pages related to the evaluation content has decreased accordingly. In order to ensure the coverage and accuracy of page information collection, the pages should be screened during the crawling process, and the content that is less relevant to the evaluation content should be retained. High webpage, for this reason this embodiment carries out following improvement to crawler:

[0081] The use of web crawlers to obtain raw data related to the enterprise to be evaluated from different network data sources specifically includes:

[0082] (1) The web crawler screens the web pages of the network data source according to the content to be evaluated, and screens out the web pages most relevant to the content to be evaluated;

[0083] Specifically, for example, if you want to know the financial situation of the enterpris...

Embodiment 3

[0102] Embodiment 3 On the basis of other embodiments, the following content is added:

[0103] The risk assessment of the enterprise based on the replaced text of the semantically similar concepts specifically includes:

[0104] Obtain the numerical values ​​associated with each standard keyword in the text, and count the number of occurrences of each numerical value;

[0105] Group the values ​​of standard keywords representing the same independent semantics into one category;

[0106] Businesses are assessed for risk based on the most frequently occurring values ​​in each category.

[0107] Specifically, if the same data, information or keywords appear more times, the data is considered to be more reliable. Risk assessment is performed based on the data, which improves the accuracy of the assessment. For example: In order to understand employee income, data on employee income is extracted from all web data sources. There are 8 network data sources publishing employee in...

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Abstract

The invention provides an enterprise risk assessment method, system and medium. The method includes: adopting a network crawler to obtain original data related to an enterprise to be evaluated from different network data sources; extracting the keywords from the original data; constructing standard database; according to the preset semantic similarity threshold, constructing the text vector, and calculating the semantic similarity between the keywords in the original data and the standard keywords; when the semantic similarity exceeds the preset maximum similarity, replacing the keywords in the original data with the standard keywords to obtain the text after the semantic similarity concept is replaced; performing the risk assessment of the enterprise according to the replaced text of thesemantic similarity concept. In this way, the relevant data of the enterprises to be evaluated can be obtained from different network data sources, and the keywords can be extracted from these data tocarry out risk assessment for the enterprises, so that the data sources are more comprehensive, the amount of data to be analyzed is increased, and the accuracy of the assessment is improved.

Description

technical field [0001] The invention belongs to the field of information technology, and in particular relates to an enterprise risk assessment method, system and medium. Background technique [0002] Small and medium-sized enterprises are economic units that are relatively small in terms of personnel scale, asset scale and operating scale compared with large enterprises in the industry. Such enterprises can usually be funded by a single person or a small number of people. The number of employees and turnover are not large. Therefore, most of the operations are directly managed by the owners, and there is less interference from the outside world. Small and medium-sized enterprises are an important carrier of mass entrepreneurship and innovation. They play an irreplaceable role in increasing employment, promoting economic growth, scientific and technological innovation, and social harmony and stability. They are of great strategic significance to national economic and social ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06
CPCG06Q10/0635
Inventor 李志东
Owner 李志东
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