A credit assessment method and system

Abstract

The invention relates to a credit assessment method and system. The method comprises the steps of obtaining data related to an assessment object; Classifying and storing the acquired data; Performingevaluation operation and / or analysis on the evaluation object based on the acquired data according to a preset credit evaluation model; Finally, forming an evaluation result. The method depends on a foreign trade big data platform; An enterprise credit evaluation system is constructed, the comprehensiveness of credit rating information collection and the accuracy of credit rating results are improved, foreign transaction enterprises have comprehensive credit understanding on foreign trade enterprises in China, and meanwhile, multiple credit indexes such as operation indexes are approved by banks and are used for helping the enterprises to carry out non-mortgage financing loan. As the data types can be mutually evidence, the authenticity of the evaluation data is ensured, and the accuracy of the rating result is ensured. And the operation and competitiveness of the enterprise are embodied through the trade condition of the industry, so that the foreground prediction is achieved, and thecredit capability of the enterprise is further embodied.

Description

technical field [0001] The invention relates to the field of credit evaluation, in particular to a foreign trade enterprise credit evaluation method and system for a foreign trade big data platform. Background technique [0002] The modern market economy is a credit economy, and there is no mature market economy without a mature credit society. Enterprise credit is not only concerned by investors or lenders in the financial market, but also by many parties in the general transaction market. With the development of economic contractualization, corporate credit will become a prerequisite for cooperation and transactions. Especially in the field of foreign trade, foreign trading companies are particularly concerned about and urgently need to know the credit of foreign trade companies. [0003] At present, banks will conduct a series of credit evaluations for each enterprise or individual that borrows money, but this evaluation is mainly to evaluate the operating ability and r...

AI Technical Summary

Problems solved by technology

[0003] At present, banks will conduct a series of credit evaluations for each enterprise or individual that borrows money, but this evaluation is mainly to evaluate the operating ability and repayment ability of the enterprise or individual through the financial status, usually only for the content that the bank cares about evaluation, without much consideration of other aspects or factors, such as the actual foreign trade situation of foreign trade enterprises, etc.

Moreover, banks usually only evaluate the objects applying for loans from them. This evaluation is often only used within the banking system. Therefore, both the content of the evaluation and the scope of use have relatively large limitations.

[0004] At present, there is no credit evaluation specifically for foreign trade companies, and it is impossible to complete a special or comprehensive credit evaluation for the foreign trade field from the actual foreign trade situation of foreign trade companies combined with corporate financial data and other information, and there is a lack of actual data information Ensure the accuracy of assessment results

At the same time, since there is no data that can corroborate each other to confirm whether the data used for evaluation is accurate or whether it has actual evaluation value, it is usually only possible to complete the credit evaluation of the evaluation object from a single aspect

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