Risk index evaluation method and device

A risk index and data technology, applied in the Internet field, can solve problems such as the inability to reasonably evaluate and predict the risks of downstream small and medium suppliers, and achieve the effect of promoting capital circulation and industry development and reducing financing costs

Pending Publication Date: 2019-10-22
ONE CONNECT SMART TECH CO LTD SHENZHEN
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Problems solved by technology

[0005] In view of this, the embodiment of the present invention provides a risk index evaluation method and device to solve the problem in the prior art that it is impossible to reasonably evaluate and predict the risks of downstream small and medium suppliers

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  • Risk index evaluation method and device
  • Risk index evaluation method and device

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Embodiment Construction

[0029] In the following description, specific details such as specific system structures and technologies are presented for the purpose of illustration rather than limitation, so as to thoroughly understand the embodiments of the present invention. It will be apparent, however, to one skilled in the art that the invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

[0030] The technical solutions of the present invention are illustrated below through specific examples.

[0031] refer to figure 1 , which shows a schematic flow chart of the steps of a risk index assessment method according to an embodiment of the present invention, which may specifically include the following steps:

[0032] S101. Collect basic information of multiple third parties;

[0033]...

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Abstract

The embodiment of the invention is suitable for the technical field of the Internet, and provides a risk index evaluation method and device, and the method comprises the steps: collecting the basic information of a plurality of third parties; identifying a target third party from the plurality of third parties according to the basic information; acquiring bill data of the target third party; counting target resource transfer data of the target third party based on the bill data; performing weighted summation on the index values and the weight values of the target resource transfer data and thebasic information of the target third party to obtain a risk index of the target third party; and sending the risk index of the target third party to a preset mechanism, whereinthe preset mechanism is used for issuing resources to the target third party according to the risk index. The problem that commercial banks cannot issue loans to downstream suppliers of core enterprises due to insufficientdata is solved, credit endorsement is carried out on the downstream suppliers through the core enterprises, and the financing cost of the downstream suppliers is reduced.

Description

technical field [0001] The invention belongs to the technical field of the Internet, and in particular relates to a risk index evaluation method, a risk index evaluation device, a terminal device and a computer-readable storage medium. Background technique [0002] With the continuous deepening of socialized production methods, market competition has changed from competition between single customers to competition between supply chains. All parties in the same supply chain are interdependent, and all parties will prosper and all will suffer. At the same time, since credit sales have become the mainstream method of transactions, it is difficult for suppliers in the upper and middle reaches of the supply chain to obtain financial support from banks through traditional credit methods, and the shortage of funds will directly lead to stagnation in subsequent links, and even "" Broken chain". Maintaining the survival of the supply chain, improving the effectiveness of supply chai...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 王盼
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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