Financing leasing risk rating system
A financial leasing and risk technology, applied in the field of financial risk management, can solve the problems of one-sided rating, loss of both parties, missed financing, etc., to reduce the loss of both parties and improve the accuracy.
Inactive Publication Date: 2019-06-07
合肥凯捷技术有限公司
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Problems solved by technology
Existing financial leasing risk ratings usually directly use credit information as a rating influence parameter. For some customers with strong asset management capabilities, they may miss financing due to credit information problems, resulting in losses for both parties. This kind of rating is relatively one-sided and not objective enough and accurate
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[0019] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the embodiments of the present invention. Apparently, the described embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0020] Such as figure 1 As shown, a financial leasing risk rating system, including
[0021] Financing terminal, where the financing terminal submits the financing plan and the secured asset information of the financier;
[0022] Preliminary review module, the review module reviews the financing application submitted by the financing terminal, and judges the rationality of the financing plan. If approved, the financing application of the financing terminal will be returned;...
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The invention discloses a financing leasing risk rating system, comprising a financing terminal, a preliminary auditing module, a credit investigation auditing module, an asset auditing module, a financing income assessment module, a financing leasing item auditing module, a pressure assessment module, a risk rating module and a lending terminal. According to the invention, multi-angle rating review is carried out on the financing party; the credit investigation condition of the financing party is fully obtained, asset management capability, according to the financing risk assessment method and system, financing income condition rating, financing lease risk rating condition and pressure resistance of financing legal persons are carried out, the financing risk is assessed by analyzing a plurality of rating parameters, a final rating result is prevented from being influenced due to lack of the rating parameters during financing rating, the accuracy of financing lease risk rating is improved, and losses of the two parties are reduced.
Description
technical field [0001] The invention belongs to the technical field of financial risk management, and in particular relates to a financial leasing risk rating system. Background technique [0002] Financial leasing is a new financing method that integrates financing and financing. Compared with the financing method of bank credit, although the funds are not easy to be misappropriated, the property rights of lease are more legal and operational than bank credit claims. protection and other advantages. Due to the large number of financing customers and the quality varies, it is necessary to rate the financing customers and decide whether to participate in financing activities after judging the risks of financial leasing. Existing financial leasing risk ratings usually directly use credit information as a rating influence parameter. For some customers with strong asset management capabilities, they may miss financing due to credit information problems, resulting in losses for ...
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IPC IPC(8): G06Q10/06G06Q40/06
Inventor 孙昊程庚陈雅芹黄健殷国龙
Owner 合肥凯捷技术有限公司