Enterprise credit rating method, device and equipment and storage medium

A credit rating, enterprise technology, applied in data processing applications, instruments, finance, etc., can solve problems such as bad debts, no rating method, affecting the healthy and orderly development of industrial enterprises, and achieve high accuracy and reliability. Source-rich effects

Pending Publication Date: 2020-02-25
华润智慧能源有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, there is a set of credit rating system based on basic financial data on the market, but industrial enterprises, as the lenders in the market, do not have a targeted rating method and system, and some low-quality industrial enterprises can still obtain them through falsified financial data. High credit ratings, and then bad debts due to inability to repay, seriously affect the healthy and orderly economic development of industrial enterprises. Therefore, credit ratings must be completed based on other important data in industrial production

Method used

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  • Enterprise credit rating method, device and equipment and storage medium
  • Enterprise credit rating method, device and equipment and storage medium
  • Enterprise credit rating method, device and equipment and storage medium

Examples

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Embodiment 1

[0030] figure 1 It is a flow chart of an enterprise credit rating method provided by Embodiment 1 of the present invention. The method provided by this embodiment can be applied to the electricity market situation where there are various electricity price incentives. The specific process is as follows:

[0031] Step S110, obtaining the rating data of the enterprise to be rated, the rating data including transaction data and energy data.

[0032] In view of the fact that the existing credit evaluation system based on basic financial data does not carry out targeted judgment and treatment of financial data fraud, which may easily lead to errors in credit ratings and may cause bad debts in loans, this embodiment introduces energy data combined with transaction data to complete credit Rating, as the basis of enterprise production, energy is reliable in collection and accurate in measurement. It is also an important criterion for judging whether the enterprise is in healthy product...

Embodiment 2

[0050] On the basis of Embodiment 1, this embodiment further explains the process of determining the credit rating of the enterprise to be rated according to the rating data, wherein the rating data also includes default data, specifically as image 3 Shown is a flow diagram of a corporate credit rating method provided by this book, including:

[0051] Step S210, determining the transaction evaluation value of the enterprise to be rated according to the transaction data.

[0052] Specifically, the transaction data includes data in four dimensions of enterprise nature, enterprise scale, development prospects and financial statements. Carry out a comprehensive evaluation to determine the transaction evaluation value of the enterprise to be evaluated. Exemplarily, the nature of the enterprise can be a state-owned enterprise, a listed private enterprise, or an unlisted private enterprise. The scale of the enterprise can be divided according to the registered capital and the numbe...

Embodiment 3

[0085] Figure 8 A schematic structural diagram of an enterprise credit rating device 300 provided in Embodiment 3 of the present invention. The device can execute the enterprise credit rating method provided in any embodiment of the present invention, and has corresponding functional modules and beneficial effects for executing the method. Specifically, like Figure 8 The enterprise credit rating device 300 provided in this embodiment includes:

[0086] The data acquisition module 310 is configured to acquire the rating data of the enterprise to be rated, and the rating data includes transaction data and energy data.

[0087] In this embodiment, energy data is combined with transaction data to complete credit rating. As the basis of enterprise production, energy is reliable in collection and accurate in measurement. It is also an important criterion for the healthy production and development of enterprises. Especially for industrial enterprises, their energy data It can acc...

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Abstract

The embodiment of the invention discloses an enterprise credit rating method, device and equipment and a storage medium. The method comprises the steps of obtaining rating data of a to-be-rated enterprise, wherein the rating data comprises transaction data and energy data; judging whether the rating data is valid or not according to cross authentication of the transaction data and the energy data;and if the rating data is valid, determining the credit rating of the to-be-rated enterprise according to the rating data. The enterprise credit rating method provided by the embodiment of the invention has the advantages that the data sources used as the evaluation basis are richer; and meanwhile, cross authentication can be performed based on the transaction data and the energy data, so that credit rating evaluation errors caused by data falsification can be avoided, and the method has relatively high accuracy and credibility.

Description

technical field [0001] The present invention relates to the field of electric power and financial industry, in particular to an enterprise credit rating method, device, equipment and storage medium. Background technique [0002] Credit rating is an overall assessment of a company's current status and future development based on its financial and non-financial conditions. In terms of investment, financing and transaction cooperation, the bank has established an effective credit risk management system to measure the credit risk of each enterprise. If the enterprise has a large scale, good development, and strong repayment ability, it can be regarded as a high-credit enterprise; conversely, if the enterprise has a bad record or is in a poor development environment, its credit rating is low. Therefore, a company's credit rating is very important, and it is an important criterion for judging corporate loans, market cooperation and many other aspects. [0003] At present, there ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/04G06Q50/06
CPCG06Q10/06393G06Q40/04G06Q50/06Y02P90/82
Inventor 宋嗣博李端平王立文陈燿圣陈睿之唐俊明宋怡文
Owner 华润智慧能源有限公司
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