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Medium and small enterprise ultra-short term credit evaluation method based on dynamic financial resource flow

A technology for credit evaluation and small and medium-sized enterprises, applied in the field of ultra-short-term credit evaluation

Pending Publication Date: 2020-10-16
浙江保融科技股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, most of them are promoted through offline manual methods, and there is no information system for credit evaluation of financial flows

Method used

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  • Medium and small enterprise ultra-short term credit evaluation method based on dynamic financial resource flow
  • Medium and small enterprise ultra-short term credit evaluation method based on dynamic financial resource flow
  • Medium and small enterprise ultra-short term credit evaluation method based on dynamic financial resource flow

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0015] The implementation of this model includes the construction and use of the model.

[0016] The construction of the model is divided into 8 steps:

[0017] Step 1. Data collection:

[0018] Based on the Saas fund management system, through continuous cooperation with enterprises, it helps enterprises improve their financial management capabilities, and dynamically obtains financial flow information under the authorization of enterprises.

[0019] Financial flow information includes:

[0020] a. Information such as the amount, time, counterparty, region, purpose, type (including operational and non-operational) of all capital inflows and outflows in the business management of the enterprise;

[0021] b. Plans for the inflow and outflow of corporate funds, including volume, date, counterparty, purpose, and type;

[0022] c. The future capital inflow (investment income) and outflow (principal repayment, interest payment, planned investment) caused by enterprise investment...

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Abstract

The invention discloses a medium and small enterprise ultra-short term credit evaluation method based on dynamic cash flow. According to the method, low-frequency and fragile financial data and real-time and effective big data risk information to be verified are abandoned; an Saas fund management system is used as a basis; an enterprise dynamic financial resource flow is taken as a core, and dynamic credit information in the financial resource flow is comprehensively and fully extracted from the perspectives of an operational cash flow, a customer transaction flow, a product cash flow, a cashflow plan, an operational self-compensation capability, an asset self-compensation capability, a planning self-compensation capability, a repayment record and the like to evaluate the enterprise ultra-short-term credit level in real time. According to the method, credit conditions of small and medium-sized enterprises can be more dynamically reflected and distinguished in real time, financial resources of the small and medium-sized enterprises are converted into credit information, credit increase is provided for the small and medium-sized enterprises to obtain ultra-short-term credit support,and commercial partners and financial institutions can more accurately grasp the real-time credit conditions of the small and medium-sized enterprises.

Description

technical field [0001] The invention belongs to the field of credit evaluation of enterprise entities, and specifically relates to a super-short-term credit evaluation method for high-quality small and medium-sized enterprises with an operating income of 20 million yuan and above based on dynamic financial flows. Background technique [0002] Financial assets in a broad sense are "financial resources", which are the collection of corporate financial and financial assets and resources, including financial assets, resources, funds, and financial credit. The financial flow described in the present invention is mainly a generalized cash flow including business information. [0003] At present, in the field of credit risk evaluation of corporate entities, there are mainly subject credit evaluations of rating companies, corporate credit reporting reports of the People’s Bank of China, corporate credit reporting reports / credit scores of credit reporting agencies, corporate credit e...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/04G06Q40/06G06Q10/06
CPCG06Q10/06393G06Q40/04G06Q40/06G06Q40/125
Inventor 包恩伟葛佳飞张一鸣
Owner 浙江保融科技股份有限公司
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