Method for generating enterprise credit grading real-time evaluation by using science and technology enterprise data

A technology for enterprise data and credit evaluation, applied in data processing applications, digital data protection, electronic digital data processing, etc., can solve problems such as the inability to meet intelligent popularization and complexity, reduce human participation in evaluation, and achieve high evaluation accuracy. The effect of improving security and confidentiality

Inactive Publication Date: 2020-09-25
SHANGHAI INSTITUTE OF TECHNOLOGY
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  • Abstract
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Problems solved by technology

At present, enterprise credit services are usually analyzed by experts using complex and profound theories and skills, which cannot meet the needs of intelligent popularization

Method used

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  • Method for generating enterprise credit grading real-time evaluation by using science and technology enterprise data
  • Method for generating enterprise credit grading real-time evaluation by using science and technology enterprise data

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Embodiment Construction

[0020] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0021] In the description of the present invention, it should be noted that the terms "upper", "lower", "inner", "outer", "front end", "rear end", "both ends", "one end", "another end" The orientation or positional relationship indicated by etc. is based on the orientation or positional relationship shown in the drawings, and is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that ...

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Abstract

The invention discloses a method for generating enterprise credit grading real-time evaluation by using science and technology type enterprise data. The method comprises the following steps: A, firstly, enabling a data acquisition unit to acquire small and medium-sized enterprise data in real time; b, encrypting the acquired data, and transmitting the encrypted data to a background credit evaluation system; c, enabling the credit evaluation system to automatically generate an evaluation model according to the collected data, wherein the evaluation model comprises standard values of evaluationindexes and evaluation numbers of the evaluation indexes; d, calculating the comprehensive score of the to-be-evaluated enterprise according to the score of the evaluation index and the weight of eachevaluation index, and carrying out the credit grading. The evaluation method is high in evaluation precision, reduces the manual participation in evaluation to the greatest extent, and improves the objectivity and accuracy of the enterprise credit evaluation. In addition, data encryption adopted by the invention can perform multiple encryption on data transmission, so that the security and confidentiality of enterprise data are improved.

Description

technical field [0001] The invention relates to the technical field of credit ratings, in particular to a method for generating real-time evaluations of corporate credit ratings using technological enterprise data. Background technique [0002] Enterprise credit refers to the credit rating of an enterprise evaluated by a third-party credit agency by collecting information on another company and according to the credit rating rules of the credit agency. It includes the credit sales of manufacturing enterprises to customers with the nature of corporate legal persons in credit management, that is, product credit sales. In the process of product credit sales, creditors are usually material suppliers, product manufacturers and wholesalers, while buyers are the beneficiaries of product credit sales, and they are various corporate customers or agents. The buyer obtains the credit granted by the seller in the name of his own business. Enterprise credit also involves commercial ban...

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Application Information

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IPC IPC(8): G06Q10/06G06F21/60
CPCG06F21/602G06Q10/06393
Inventor 张留禄左肖赵秋静
Owner SHANGHAI INSTITUTE OF TECHNOLOGY
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