Risk control rating system
A risk control and risk technology, applied in the field of data analysis and processing and risk pricing, it can solve the problems of people's lack of risk identification ability, inability to clear risks in time, and strong rigid payment expectations, so as to reduce adverse selection and information asymmetry. degree, the effect of avoiding excessive credit
Inactive Publication Date: 2019-09-06
中投摩根信息技术(北京)有限责任公司
View PDF5 Cites 6 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
[0003] In addition, the development of my country's financial market is still immature, the people's ability to identify risks is lacking, and rigid payment expectations are strong
Under such rigid expectations, risks cannot be cleared in time, but accumulate more and more, which can easily cause systemic risks
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0022] The preferred embodiments of the present invention will be described below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described here are only used to illustrate and explain the present invention, and are not intended to limit the present invention.
[0023] figure 1 It is a structural diagram of the risk control rating system provided by the embodiment of the present invention. see figure 1 , the risk control rating system includes: enterprise process module 11, model management module 12, credit management module 13, data management module 14, financing enterprise module 15 for financing management, financing project module 16 for financing management, customer management module 17, post-loan Management module 18 and rights management module 19.
[0024] Among them, the enterprise process is divided into the first round of preliminary screening and the second round of uploading data information. The first ro...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The embodiment of the invention provides a risk control rating system. The system comprises a financing application module for an enterprise to submit an application online; a data management module used for classifying, structuring, updating, correcting and the like the acquired data; a model management module used for constructing a core enterprise risk pricing evaluation model; a credit granting management module used for formulating a personalized credit granting strategy for each enterprise; a financing management module used for reflecting financing and loaning conditions of the borrowers and the lenders from two perspectives of financing projects and financing enterprises; a borrower suitability management module used for matching projects of different risk levels according to the risk bearing capacity of the borrowers and helping the borrowers to perform decentralized management; the post-loan management module is used for carrying out all-around post-loan tracking on the enterprise; and a authority management module used for setting different authorities according to the responsibilities of the users. The risk control rating system provided by the embodiment of the invention not only helps a financial / class financial institution to complete online and intelligent operation of data collection, risk pricing, credit strategy making and tracking of the whole credit process after loan, but also helps institutions such as a network loan platform to complete proper intelligent management of borrowers. The risk control rating system provided by the embodiment of the invention not only helps financial / class financial institutions to complete online and intelligent management.
Description
technical field [0001] The invention relates to the technical field of data analysis and processing and risk pricing, in particular to a risk control rating system. Background technique [0002] The essence of finance is business risk, and risk comes from information asymmetry. Difficult and expensive financing for SMEs is a long-term problem faced by the whole world. In the final analysis, the cost for financial institutions to obtain information and reduce the degree of information asymmetry is too high to conduct efficient and sufficient risk pricing for SMEs. To solve the financing problems of SMEs, it is necessary to provide financial institutions with the ability to obtain information, process information and risk pricing. [0003] In addition, the development of my country's financial market is still immature, the people's ability to identify risks is lacking, and rigid payment expectations are strong. Under such rigid expectations, risks cannot be cleared in a time...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/28
CPCG06F16/285G06Q40/03
Inventor 赵倩怡
Owner 中投摩根信息技术(北京)有限责任公司