Small and micro enterprise operation condition risk control analysis system

Abstract

The invention discloses a small and micro enterprise operation condition risk control analysis system. The invention relates to the field of financial risk control. The system comprises an evaluationmodule, a data input module arranged at the input end of the evaluation module and a model analysis module arranged at the output end of the evaluation module, wherein the data input module is used for inputting information related to identities of small and micro enterprises and enterprise owners, the evaluation module is further connected with a government affair data system and the Internet, big data information in the government affair data system and the Internet is obtained when requirements are calculated, and the model analysis module is based on a logistic regression analysis model. According to the invention, government affair data, credit investigation data, tax administration data and transaction data are comprehensively utilized, and a machine learning technology is utilized to carry out processing and feature extraction on the data; compared with the prior art, the system has the advantages that the operation conditions of small and micro enterprises can be evaluated moreand more comprehensively, the operation risk is reduced, the intervention degree of staff is greatly reduced by depending on the authenticity data, and the credit operation risk is effectively reduced.

Description

technical field [0001] The present invention relates to the field of financial risk control, and more specifically, the present invention relates to a small and micro enterprise operating status risk control analysis system. Background technique [0002] At present, banks have three types of online credit products for small and micro enterprises: tax loans, mortgage loans, and supply chain loans. [0003] Tax loan is mainly based on credit data, in-bank data, tax data and third-party procurement data, and uses logistic regression to build a credit score card model, mainly relying on tax data to grant credit to small and micro enterprises as the basis for decision-making. Mortgage loans are mainly based on credit data, internal data, real estate data and third-party procurement data, and use logistic regression to build a credit score card model, mainly relying on real estate mortgages to grant credit to small and micro enterprises as a basis for decision-making. Supply chai...

AI Technical Summary

Problems solved by technology

In short, it is impossible to judge the operating conditions of customers in a more comprehensive manner. According to the latest data released by the People's Bank of China and the China Banking and Insurance Regulatory Commission, the non-performing rate of small and micro enterprises is about 4.5%.

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