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Enterprise risk scoring method and device, computer equipment and storage medium

A technology of risk scoring and computer programs, applied in the computer field, can solve problems such as inaccurate enterprise risk scoring scores, enterprise risk scoring, financial service provider losses, etc.

Pending Publication Date: 2020-05-01
南京星云数字技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, if the enterprise information is not comprehensive enough, the enterprise risk scoring model cannot comprehensively score enterprise risks, resulting in inaccurate enterprise risk scoring scores, resulting in losses for financial service providers

Method used

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  • Enterprise risk scoring method and device, computer equipment and storage medium
  • Enterprise risk scoring method and device, computer equipment and storage medium
  • Enterprise risk scoring method and device, computer equipment and storage medium

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Embodiment Construction

[0040] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0041] The enterprise risk scoring method provided by this application can be applied to such as figure 1 shown in the application environment. Wherein, the terminal 102 communicates with the server 104 through the network. Wherein, the terminal 102 can be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices, and the server 104 can be realized by an independent server or a server cluster composed of multiple servers.

[0042]Specifically, the terminal 102 collects enterprise index data correspon...

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Abstract

The invention relates to an enterprise risk scoring method and device, computer equipment and a storage medium. The method comprises the steps of obtaining enterprise index data corresponding to a to-be-scored enterprise; inputting the enterprise index data into a constructed enterprise risk scoring model; obtaining an enterprise risk score corresponding to the to-be-scored enterprise output by the enterprise risk scoring model, wherein the enterprise risk score is used for measuring the risk condition of the scored enterprise; wherein the enterprise risk scoring model obtains a correspondingenterprise index importance score according to the enterprise index data; and according to the enterprise index importance score, constructing and obtaining an enterprise influence factor, according to the enterprise influence factor, calculating and obtaining an enterprise index weight, and according to the enterprise index data and the enterprise index weight, obtaining an enterprise risk scorecorresponding to the to-be-scored enterprise. The scoring accuracy of the enterprise risk scoring model can be improved.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to an enterprise risk scoring method, device, computer equipment and storage medium. Background technique [0002] At present, in the financial field, such as microfinance, the risk control of enterprises is particularly important, and the good credit of enterprises is very important to financial service providers in the financial field. Among them, the good credit of an enterprise is generally judged by the enterprise risk scoring model to determine the relevant information of the enterprise, so as to obtain the corresponding enterprise risk score. However, if the enterprise information is not comprehensive enough, the enterprise risk scoring model cannot comprehensively score enterprise risks, resulting in inaccurate enterprise risk scoring scores, resulting in losses for financial service providers. Contents of the invention [0003] Based on this, it is necessary ...

Claims

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Application Information

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IPC IPC(8): G06Q10/06
CPCG06Q10/0635G06Q10/06393
Inventor 徐尚
Owner 南京星云数字技术有限公司
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