Enterprise rating system based on artificial intelligence algorithm

Abstract

The invention discloses an enterprise rating system based on an artificial intelligence algorithm, and the system comprises: a receiving module which is used for receiving enterprise information inputted by a user; the data processing module that is used for identifying and processing the enterprise information, obtaining general situation information and feature information, and obtaining upstream and downstream enterprise information matched with the general situation information according to the general situation information; the data evaluation module that is used for scoring the feature information according to a preset scoring algorithm to obtain a comprehensive score, storing the comprehensive score and comparing the comprehensive score with enterprises in the same industry in the same region; and the data display module that is used for carrying out reticular structure display on the acquired comprehensive score, the comprehensive score information of the enterprises in the same industry in the same region, the general situation information, the upstream and downstream enterprise information and the index factor score according to a preset knowledge graph architecture. Theinvention has the beneficial effects that the types and the quantity of the data indexes selected by the enterprise credit rating are improved, so that the enterprise credit rating can be carried outfrom a more objective direction.

Description

technical field [0001] The present invention relates to the technical field of rating systems, in particular to an artificial intelligence algorithm-based enterprise rating system. Background technique [0002] At present, due to the information asymmetry between investors and operators, there will be two problems: the first is adverse selection; the second is moral hazard. An effective solution to these two problems is credit rating. Credit ratings not only open up channels for the information gap between the supply and demand sides of funds, but also prevent the capital market from converging on the function of fund intermediary due to information asymmetry, so that those who need funds can obtain the required funds to engage in their various production and operation activities. The investment of capital providers has goals suitable for their risk preferences, which also improves the management efficiency of financial institutions, thereby enhancing the overall efficiency...

AI Technical Summary

Problems solved by technology

[0002] At present, due to the information asymmetry between investors and operators, there will be two problems: the first is adverse selection; the second is moral hazard

[0003] The data indicators widely selected in most of the existing technologies in terms of corporate ratings are too one-sided and subjective, and some technologies still rely on corporate self-ratings and agency ratings, which cannot effectively and reasonably reflect the credibility of corporate ratings

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