A Realization Method of Enterprise Credit Rating

A realization method and credit technology, applied in the realization method and system field of enterprise credit rating, can solve the group's economic loss, failure to obtain customer credit information, increase the group's operating costs and other problems, achieve high information accuracy, standardized format, reduce The effect of group economic loss

Active Publication Date: 2022-04-15
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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  • A Realization Method of Enterprise Credit Rating
  • A Realization Method of Enterprise Credit Rating
  • A Realization Method of 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

This application discloses a method and system for realizing enterprise credit rating, which includes the following steps: constructing multiple customer pools; according to the customer conditions set up in the account and the subsidiary identification of the account, find qualified customers from the corresponding customer pools The first customer; obtain the basic information and credit information of the first customer from the database; according to the basic information, the credit information and blacklist information, use the preset enterprise credit scoring model to perform enterprise credit scoring; according to the enterprise The credit rating and the preset corporate credit rating model are used to rate the first customer and generate a corporate credit rating report. This application has the effect of making the credit rating systems of various subsidiaries communicate with each other and reducing the economic loss of the group.

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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Patent Type & Authority Patents(China)
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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