Credit evaluation device and credit evaluation system

Abstract

The embodiment of the invention provides a credit evaluation device and a credit evaluation system, and the device comprises an obtaining module which is used for obtaining the evaluation data of an enterprise according to the loan request of the enterprise; a judgment and evaluation module, used for judging whether the enterprise meets an admission condition of participating in credit evaluationor not according to the evaluation data of the enterprise; if so, carrying out credit assessment on the enterprise according to the assessment data of the enterprise; if not, refusing the loan requestof the application enterprise. Information asymmetry between a financial institution and small and medium-sized enterprises is eliminated. The financial institution is helped to screen small and medium-sized enterprises, loans are provided for small and medium-sized enterprises with high credit, credit relations are established, the fund safety of the financial institution is guaranteed, the fundincome is stabilized. Meanwhile, the problems that the small and medium-sized enterprises are difficult to finance and high in financing cost are solved, and development of national economy is promoted.

Description

technical field [0001] The embodiment of the present application relates to the technical field of the Internet, and in particular to a credit evaluation device and a credit evaluation system. Background technique [0002] Small and medium-sized enterprises usually refer to enterprises with relatively small personnel and business scale, including medium-sized enterprises, small enterprises and micro enterprises. These enterprises can usually be funded by a single person or a small number of people. The number of employees and turnover are not large, so most of them are directly managed by the owners in operation, and there is less interference from the outside world. Small and medium-sized enterprises have small scale, poor qualifications, and relatively single financing channels, mainly through banks and other financial institutions for financing. For financial institutions, it is necessary to prevent and control risks in accordance with the requirements of the regulatory ...

AI Technical Summary

Problems solved by technology

[0003] In the prior art, due to information asymmetry between financial institutions and small and medium-sized enterprises, it is often difficult for financial institutions to determine the development prospects and operating conditions of small and medium-sized enterprises, and it is also impossible to determine the credit status of small and medium-sized enterprises. 90% of the financing needs of SMEs are unmet

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