A Rating Method for Heavy Machinery Manufacturing Enterprises Suitable for Banking System

A heavy machinery and manufacturing technology, applied in computer parts, instruments, data processing applications, etc., can solve problems such as low rating efficiency and inability to standardize evaluation, so as to improve utilization rate, prevent illegal transactions, and reduce risk coefficient Effect

Active Publication Date: 2022-04-08
湖南三湘银行股份有限公司
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Problems solved by technology

[0005] Therefore, the present invention provides a rating method suitable for heavy machinery manufacturing enterprises in the banking system to overcome the problem of low rating efficiency due to the inability to conduct standardized evaluations on a large number of heavy machinery manufacturing enterprise customers in the prior art

Method used

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  • A Rating Method for Heavy Machinery Manufacturing Enterprises Suitable for Banking System

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Embodiment Construction

[0068] In order to make the objects and advantages of the present invention clearer, the present invention will be further described below in conjunction with the examples; it should be understood that the specific examples described here are only for explaining the present invention, and are not intended to limit the present invention.

[0069] Preferred embodiments of the present invention are described below with reference to the accompanying drawings. Those skilled in the art should understand that these embodiments are only used to explain the technical principle of the present invention, and are not intended to limit the protection scope of the present invention.

[0070] It should be noted that, in the description of the present invention, terms such as "upper", "lower", "left", "right", "inner", "outer" and other indicated directions or positional relationships are based on the terms shown in the accompanying drawings. The direction or positional relationship shown is ...

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Abstract

The invention relates to a rating method for heavy machinery manufacturing enterprises suitable for the banking system, including: collecting and counting designated information of enterprises to be rated; extracting text information in image information; retrieving enterprise information from the cloud according to the information; Search for information based on key words; determine and verify the actual owner of the enterprise based on the information; count the transaction information of the enterprise, and perform initial risk rating and initial credit rating on the enterprise; Credit Rating. The present invention performs risk rating and credit rating on the enterprise through statistics and processing of enterprise information, and reduces the risk coefficient of the bank when handling business with the enterprise through the pre-risk rating. The rapid judgment improves the bank's rating efficiency for enterprises, enabling the bank to rate a large number of heavy machinery manufacturing enterprise customers in a short period of time.

Description

technical field [0001] The invention relates to the technical field of enterprise credit rating, in particular to a rating method suitable for heavy machinery manufacturing enterprises in the banking system. Background technique [0002] Credit is the premise and basis for the operation of a market economy. The market economy mainly realizes resource allocation through the market mechanism, and the basic principle of commodity exchange as the core content of the market mechanism is the equivalent exchange based on credit. With the complexity of the exchange relationship, the entire economic activity is connected by credit relationships that are connected and restrict each other. [0003] As a complete system, enterprise credit rating includes elements and indicators of credit rating, grades and standards of credit rating, methods and models of credit rating, etc. Enterprise credit rating The credit rating activities carried out with enterprises or units as the objects to b...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q40/02G06V30/413G06F16/242
CPCG06Q10/0635G06Q10/0639G06Q40/02G06F16/242G06V30/413
Inventor 冯天驰丁扬黎慧剑陈丽辉
Owner 湖南三湘银行股份有限公司
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