Credit evaluation and credit extension method based on big data

Abstract

The invention discloses a credit evaluation and credit extension method based on big data. The method comprises the following steps: S1, obtaining enterprise information data; s2, establishing an enterprise credit evaluation model, calculating an enterprise credit score based on the enterprise information data, and generating an enterprise credit report; s3, the enterprise publishes financing demands, and a financial institution publishes credit product information; and S4, based on the enterprise credit score and the financing demand, matching a qualified credit product for the enterprise, and pushing the enterprise information and the enterprise credit report to a corresponding financial institution. Based on effective utilization of big data, an enterprise credit evaluation model is established, enterprise credit returns to the enterprise operation state itself, a financial institution is assisted to complete pre-loan evaluation credit granting, and small and medium-sized enterprises are helped to solve the problem of difficult financing and high financing cost.

Description

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AI Technical Summary

Benefits of technology

This patented method uses large amounts of data from past transactions or previous loans for evaluating future performance. It also suggests that this approach can help smaller companies improve their ability to manage finances effectively without being forced into bankruptcy by default.

Problems solved by technology

The technical problem addressed by this patented technology relates to finding ways to make smaller companies more competitive with larger ones while still being able to finance advanced funding requests without having them pay out bankruptcy charges due to lack of financial support from firms that require such resources.

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