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Pension institution credit enhancement system and method, storage medium and computer equipment

A computer and transaction information technology, applied in the field of communication, can solve problems such as uneven quality, opaque information, and low credit rating, and achieve the effect of reducing financing costs, reducing default risks, and low loan interest

Pending Publication Date: 2021-03-05
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, the information of pension institutions in the market is not transparent and the quality is uneven. Most of the pension enterprises are small and medium-sized enterprises, and their credit ratings are often low. The loan interest of pension institutions evaluated by financial institutions is often high. higher financing costs
Moreover, since the basic information, financial data, transaction data, and social data of pension institutions may be tampered with, financial institutions may not be able to conduct accurate credit assessments for pension institutions, so financial institutions will also bear higher default risks and losses

Method used

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  • Pension institution credit enhancement system and method, storage medium and computer equipment
  • Pension institution credit enhancement system and method, storage medium and computer equipment
  • Pension institution credit enhancement system and method, storage medium and computer equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0051] This embodiment provides a credit enhancement system for elderly care institutions. figure 1 It is a schematic diagram of the application scenario of the credit enhancement system for the elderly care institution provided by Embodiment 1 of the present invention. figure 2 It is a schematic diagram of the system structure of the pension institution credit enhancement system provided by Embodiment 1 of the present invention. see now figure 1 , figure 2 , to describe in detail the credit enhancement system for elderly care institutions provided in this embodiment.

[0052] Such as figure 1As shown, pension institutions 20 (such as nursing homes, etc.), pension supplies suppliers 30, pension service consumers 40 (such as the elderly, etc.), financial institutions 50 (such as banking institutions, etc.) can provide credit enhancement systems for pension institutions in this embodiment. Register in 10 and conduct transactions through the credit enhancement system 10 pro...

Embodiment 2

[0066] This embodiment provides a method for increasing the credit of an elderly care institution. image 3 It shows the method flowchart of the method for increasing the credit of elderly care institutions according to Embodiment 2 of the present invention. Such as image 3 As shown, the method for increasing the credit of elderly care institutions provided by this embodiment may include the following processing:

[0067]S101: Obtain the institution information registered by the pension institution in the pension institution credit enhancement system and the transaction information and evaluation information of the pension institution in the pension institution credit enhancement system, wherein the institution information, the transaction information, the The evaluation information is stored in the form of blocks in the credit enhancement system of the pension institution;

[0068] S102: Issue tokens for the elderly care institution according to the registration informatio...

Embodiment 3

[0087] This embodiment provides a computer-readable storage medium, such as a hard disk, an optical disk, a flash memory, a floppy disk, a magnetic tape, etc., on which computer-readable instructions are stored, and the computer-readable instructions can be executed by a processor to implement the method described in Embodiment 2. The handling of credit enhancement methods for elderly care institutions.

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Abstract

The embodiment of the invention provides a pension institution credit enhancement system and method, a storage medium and computer equipment, and relates to the technical field of communication. The system comprises an information acquisition module used for acquiring institution information, transaction information and evaluation information of an elderly care institution in the elderly care institution credit enhancement system, the institution information, the transaction information and the evaluation information being stored in the elderly care institution credit enhancement system in a block form; the token issuing module that is used for issuing tokens to the pension institution according to the institution information, the transaction information and the evaluation information; andthe credit evaluation module that is used for carrying out credit evaluation on the pension institution according to the number of tokens held by the pension institution, and a credit evaluation result is used for carrying out credit enhancement on the pension institution. According to the pension institution credit enhancement system provided by the embodiment of the invention, the pension institution can increase credit rating and reduce financing cost, and the financial institution can also reduce undertaken default risks.

Description

technical field [0001] The present invention relates to the field of communication technology, in particular to a credit enhancement system, method, storage medium and computer equipment for elderly care institutions. Background technique [0002] As a major livelihood project, elderly care has always been highly concerned by the whole society. In the financial market, financial institutions usually conduct credit ratings on pension institutions based on their basic information, financial data, transaction data, and social data, and then make financing decisions for the pension institutions based on the results of the credit rating. [0003] However, the information of pension institutions in the market is not transparent and the quality is uneven. Most of the pension enterprises are small and medium-sized enterprises, and their credit ratings are often low. The loan interest of pension institutions evaluated by financial institutions is often high. Financing costs are high...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q50/26G06Q40/04G06F21/64
CPCG06Q10/06393G06Q50/26G06Q40/04G06F21/64
Inventor 石亭峰闫晗边鹏杜要忠林胜方磊余翔蒋帅梅兴文许璐微何振毛磊
Owner CHINA CONSTRUCTION BANK
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