Method and system for realizing enterprise credit rating

An implementation method and credit technology, applied in the implementation method and system field of enterprise credit rating, can solve problems such as inability to obtain customer credit information, inaccurate enterprise credit rating, and increase group operating costs, so as to achieve high information accuracy and ensure benign Competition, the effect of reducing the risk of cooperation

Active Publication Date: 2021-03-23
中国邮电器材集团有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, due to the possibility of competition among the various subsidiaries within the group, in order to prevent customer information leakage, each subsidiary uses its own credit rating system, and there is no credit interoperability and information sharing between the credit rating systems of each subsidiary. The operating cost of the entire group, and the credit rating system cannot obtain the complete customer credit information of the entire group when the credit rating system is rated, resulting in inaccurate ratings of the customer's corporate credit by the credit rating system, resulting in economic losses for the group

Method used

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  • Method and system for realizing enterprise credit rating
  • Method and system for realizing enterprise credit rating
  • Method and system for realizing enterprise credit rating

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0058] refer to figure 1, is the implementation environment of the credit rating method in this application, which includes a third-party credit rating agency 100 , a server 200 , a database 300 and several subports 400 . The server 200 can communicate with the third-party credit rating agency 100 , the database 300 and the subport 400 . The third-party credit rating agency 100 communicates with the server 200, and the server 200 receives the data from the third-party credit rating agency 100, and transmits the data to the database 300, and the database 300 records and stores the customer information data. The subport 400 can obtain information inside the database 300 through the server 200 , and the subport 400 can also transmit information to the database 300 through the server 200 . The third-party credit rating agency 100, the server 200, the database 300 and the subport 400 can all be hardware devices such as computers.

[0059] refer to figure 2 , is a flow chart of ...

Embodiment 2

[0074] refer to image 3 , is an implementation system of enterprise credit rating in this application. The system includes a data acquisition module 51 , a data storage module 52 , a data processing module 53 and an execution terminal 54 .

[0075] Wherein, the data obtaining module 51 is used to obtain basic information of customers from a third-party credit rating agency, and transmit the data to the data storage module 52 .

[0076] The data storage module 52 is used to store the basic information of the customer, the credit information and the information of the enterprise credit score, so that each sub-port can query and retrieve the basic information of the customer.

[0077] The data processing module 53 is used to receive instructions from the execution terminal 54 , retrieve relevant customer data from the data storage module 52 for calculation, and transmit the calculation result to the execution terminal 54 .

[0078] The execution terminal 54 is used for communi...

Embodiment 3

[0081] In step S300, the customer's basic information includes basic information, shareholding structure information, shareholder and executive information, corporate background information and risk information.

[0082] Among them, basic information includes customer name, unified social credit code, industrial and commercial registration information, date of establishment, registered address, registered scope, registered capital, etc.

[0083] Enterprise background information includes foreign investment, actual control, enterprise relationship, change information, historical evolution, enterprise annual report, etc.

[0084] Risk information includes litigation-related information, administrative penalty information, equity pledge information, business abnormal information, etc.

[0085] The database summarizes and stores the basic information of customers based on various information, so that in the process of credit rating, the processor can retrieve various information a...

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Abstract

The invention discloses an enterprise credit rating implementation method and system. The method comprises the following steps: constructing a plurality of client pools; searching a first customer meeting a condition from the corresponding customer pool according to the customer condition set by the account and the sub-company identifier of the account; obtaining basic information and credit information of the first client from a database; according to the basic information, the credit information and the blacklist information, performing enterprise credit scoring by using a preset enterprisecredit scoring model; and rating the first customer according to the enterprise credit score and a preset enterprise credit rating model, and generating an enterprise credit rating report. The enterprise credit rating implementation method has the effects that credit rating system information of all sub-companies is intercommunicated, and the economic loss of the group is reduced.

Description

technical field [0001] This application relates to the technical field of enterprise credit rating management, in particular to a method and system for realizing enterprise credit rating. Background technique [0002] Credit rating refers to the use of scientific and rigorous investigation and analysis methods by credit rating agencies to comprehensively evaluate the asset status of enterprises and individuals, the ability to perform various commitments and the degree of credibility, and express it in simple and clear symbols or words. Market behavior that meets social needs. Credit rating of business partners is one of the tools used by groups or companies to grasp the cooperation risks of credit customers in real time. It combines the rating requirements of the "Credit Risk Management Implementation Rules" and the industry standards of the "Enterprise Performance Evaluation Standard Table" of the State-owned Assets Supervision and Administration Commission. The model conf...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/00G06Q40/04G06Q40/00G06F21/60G06F21/62G06F16/23G06F16/24G06F16/25
CPCG06Q10/06393G06Q30/018G06Q40/04G06Q40/10G06Q40/125G06F21/602G06F21/6218G06F16/23G06F16/24G06F16/25
Inventor 李云鹏肖炜解静雅
Owner 中国邮电器材集团有限公司
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