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Intelligent credit assessment dynamic tracing method

A credit evaluation and dynamic technology, applied in data processing applications, special data processing applications, and retrieval of Web data using information identifiers, etc., can solve problems such as credit evaluation of borrowers, and achieve the effect of real-time update

Pending Publication Date: 2020-02-11
搜信信用产业集团有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The former is organized according to the needs of bank loan management, while the latter must be entrusted by the parties. Without the entrustment of the parties, credit evaluation agencies generally do not evaluate the credit status of borrowers.

Method used

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  • Intelligent credit assessment dynamic tracing method

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Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] See figure 1 In the embodiment of the present invention, a dynamic tracing method for smart credit evaluation includes the following steps:

[0035] S10: Analyze user information, and generate a user parameter and information database uniquely corresponding to the user information, where the information database is used to evaluate the user's credit rating.

[0036] In an illustrative case, for the user "xxx Electric Co., Ltd.", the corresponding user parameter is "yyy" and the information database is "zz". In the subsequent processing, "yyy" and "zz" and " "xxx Electric Co., Ltd." is the only corresponding relationship to ensure the pertinence and accuracy of data analysis.

[0037] S20: Generate a public opinion database according to the user parameters.

[0038] In this embodiment, the content in the public opinion database consists of two parts of data packets. These two parts are the whole network collection part and the directional collection part. The whole network colle...

Embodiment 2

[0046] See figure 2 In the embodiment of the present invention, a smart credit evaluation dynamic tracing system is designed based on the smart credit evaluation dynamic tracing method described in Embodiment 1. Specifically, the system includes:

[0047] A generating module, which is used to analyze user information and generate a user parameter and an information database uniquely corresponding to the user information, and the information database is used to evaluate the user's credit rating;

[0048] The database building module is used to generate a public opinion database according to the user parameters;

[0049] The capture module is used to monitor the public opinion information in the public opinion database in real time and capture hot public opinions;

[0050] Analysis and processing module: used to analyze and process the hot public opinion, generate information data blocks, and add the information data blocks to the information database.

[0051] Further, the library buil...

Embodiment 3

[0057] A computer-readable storage medium stores at least one instruction, and the at least one instruction is loaded and executed by a processor to implement the dynamic tracing method for smart credit evaluation as described in Embodiment 1.

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Abstract

The invention discloses an intelligent credit assessment dynamic tracing method, and relates to the field of credit assessment, mainly aiming to realize understanding of enterprise dynamic information. The intelligent credit assessment dynamic tracing method comprises the steps that user information is analyzed, and user parameters uniquely corresponding to the user information and an informationdatabase are generated, and the information database is used for evaluating the credit rating of a user; a public opinion database is generated according to the user parameters; public opinion information in the public opinion database is monitored in real time, and hot public opinions are captured; and the hotspot public opinion is analyzed and processed to generate an information data block, andthe information data block is added into the information database. According to the intelligent credit assessment dynamic tracing method, real-time updating of information data can be realized, and an analysis basis is provided for clients to comprehensively master enterprise dynamics and make correct evaluation guidance.

Description

Technical field [0001] The invention relates to the field of credit evaluation, in particular to a dynamic tracing method for intelligent credit evaluation. Background technique [0002] Credit evaluation is an activity where banks evaluate the creditworthiness of borrowers. The most basic condition of bank loans is credit. With good credit, it is easy to obtain bank loan support, and it is difficult to obtain bank loan support with poor credit. The credit of the borrower is composed of a variety of factors, including the borrower's asset-liability status, management level, product economic efficiency and market development trends. In order to have a unified basic correct evaluation of the credit status of the borrower, in order to correctly grasp the bank loan, it is necessary to evaluate the credit status of the borrower. There are two main methods of credit evaluation: ① the banking institution evaluates the credit status of the borrower itself; ② commissions a special evalu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/953G06F16/955
CPCG06F16/953G06F16/9566G06Q40/03
Inventor 不公告发明人
Owner 搜信信用产业集团有限公司
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