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Scoring method and system for reflecting enterprise health management, financing and credit enhancement

An enterprise and healthy technology, applied in finance, resources, instruments, etc.

Inactive Publication Date: 2019-05-14
CHANJET INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] It is an object of the present application to overcome the above-mentioned problems or to at least partially solve or alleviate the above-mentioned problems

Method used

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  • Scoring method and system for reflecting enterprise health management, financing and credit enhancement
  • Scoring method and system for reflecting enterprise health management, financing and credit enhancement
  • Scoring method and system for reflecting enterprise health management, financing and credit enhancement

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Experimental program
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Embodiment Construction

[0022] Please refer to figure 1 , in an embodiment of the present application, the scoring method reflecting the healthy operation of the enterprise and financing credit enhancement includes the following steps: S2: performing data validation on the application materials; S4: when the data validation is qualified, performing model evaluation on the data; S6 : when the data passes the model evaluation, manual review; S8: when the data passes the manual review, pass the overall review.

[0023] Please refer to figure 2 , in an embodiment of the present application, the step S4 includes: S41: building a model; S42: performing model evaluation on the data; wherein building a model includes: data preprocessing, feature construction, feature selection, model selection and training, Prediction, evaluation, model deployment.

[0024] In an embodiment of the present application, the data preprocessing is: dirty data processing, including missing values, abnormal values, inconsistent...

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Abstract

The invention discloses a scoring method and system for reflecting enterprise health management and financing credit enhancement. The scoring method comprises the following steps: S2, carrying out data verification on application data; S4, when the data is qualified through verification, performing model evaluation on the data; S6, when the data passes model evaluation, manual auditing is carriedout; and S8, when the data passes the manual audit, passing the overall audit. The credit loan evaluation characteristics of the small and micro enterprises are cognized by combining a bank institution and a non-bank institution, health management and financing credit increase of the small and micro enterprises are comprehensively evaluated by combining technical means of big data and machine learning, and a scoring model is quantized, so that the financing problem of the small and micro enterprises is better solved.

Description

technical field [0001] The present invention relates to a scoring method and system for reflecting the healthy operation and financing credit enhancement of an enterprise, and in particular to a scoring method and system for reflecting the healthy operation and financing credit enhancement of an enterprise based on the financial data of the enterprise. Background technique [0002] Small and micro enterprises are the new force of the national economy, contributing more than 80% of the country's employment, more than 70% of invention patents, more than 60% of GDP and more than 50% of tax revenue. The development of small and micro enterprises is inseparable from the support of funds. However, for a long time, small and micro enterprises have faced the problems of difficult, slow and expensive financing. Small and micro enterprises usually do not have many assets that can be used for mortgage financing, and it is difficult for banking institutions to understand the real financ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02G06F17/18
Inventor 韩磊张永军徐星张锋
Owner CHANJET INFORMATION TECH CO LTD
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