Enterprise credit limit calculation system and method, electronic equipment and storage medium

A computing system and enterprise technology, applied in the field of machine learning, can solve the problems of low accuracy of corporate credit lines, poor traceability of financial data, and high traceability costs

Pending Publication Date: 2021-03-26
爱信诺征信有限公司
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this method has fewer data types for evaluating corporate credit, and financial data and corporate asset data cannot accurately reflect information such as corporate operating status, market conditions, supply chain status, and transaction counterparties. Financial data has poor traceability and high traceability costs. , low integrity, low credibility and other issues, resulting in low accuracy of the obtained corporate credit line

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Enterprise credit limit calculation system and method, electronic equipment and storage medium
  • Enterprise credit limit calculation system and method, electronic equipment and storage medium
  • Enterprise credit limit calculation system and method, electronic equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0107] see figure 1 , the embodiment of the present application provides an enterprise credit line calculation system 10, including:

[0108] The first API interface is used to obtain invoice data, industrial and commercial data and judicial data provided by the enterprise within a first preset time period, and the first preset time period is greater than or equal to six months;

[0109] Specifically, the first preset time period is greater than or equal to six months. Preferably, the first preset time period can be three years. In this way, there are more data samples of the enterprise's invoice data, business data and judicial data. It is beneficial to make the calculated credit line more accurate. The invoice data of the enterprise may include the information of the seller enterprise, the information of the purchaser enterprise, and the information of the goods sold, the amount, the tax amount, the date of invoicing, etc. of all the transactions of the enterprise within th...

Embodiment 2

[0150] see Figure 6 , the embodiment of the present application provides a method for calculating an enterprise credit line, including:

[0151] S101: Obtain the invoice data, industrial and commercial data, and judicial data provided by the enterprise within a first preset time period through the first API interface, and the first preset time period is greater than or equal to six months;

[0152] Specifically, the first preset time period is greater than or equal to six months. Preferably, the first preset time period can be three years. In this way, there are more data samples of the enterprise's invoice data, business data and judicial data. It is beneficial to make the calculated credit line more accurate. The invoice data of the enterprise may include the information of the seller enterprise, the information of the purchaser enterprise, and the information of the goods sold, the amount, the tax amount, the date of invoicing, etc. of all the transactions of the enterpri...

Embodiment 3

[0189] see Figure 8 , the embodiment of the present application provides an electronic device 30, including a memory 301 and a processor 302, an executable program is stored on the memory 301, and the processor 302 performs the following steps when running the executable program:

[0190] Obtain the invoice data, industrial and commercial data, and judicial data provided by the enterprise within the first preset time period through the first API interface, and the first preset time period is greater than or equal to six months;

[0191] Receive the invoice data, industrial and commercial data and judicial data of the enterprise within the first preset time period sent by the first API interface through the second API interface, according to the invoices of the enterprise within the first preset time period Data, industrial and commercial data and judicial data to establish a corporate credit model;

[0192] calling the enterprise credit model through the third API interface ...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The embodiment of the invention provides an enterprise credit limit calculation system, and the system comprises a first API interface which obtains invoice data, industrial and commercial data and judicial data provided by an enterprise in a first preset time period, and the first preset time period is greater than or equal to six months; an enterprise credit model establishing unit used for acquiring invoice data, industrial and commercial data and judicial data of an enterprise in a first preset time period through a second API interface and establishing an enterprise credit model accordingto the invoice data, the industrial and commercial data and the judicial data; a credit index calculation unit used for calling an enterprise credit model through a third API interface to calculate the credit index of the enterprise; and a credit limit calculation unit is used for obtaining the invoice data of the enterprise in the first preset time period and the credit index of the enterprise through a fourth API interface and calculating the credit limit of the enterprise according to the invoice data and the credit index. Therefore, the accuracy of the obtained credit limit can be improved.

Description

technical field [0001] The embodiments of the present application relate to the field of machine learning, and in particular to a system, method, electronic device, and storage medium for calculating an enterprise credit line. Background technique [0002] Under the conditions of a market economy, the social credit system is formed by the fusion of government credit, corporate credit and personal credit. Among them, government credit is the cornerstone of social credit, personal credit is the foundation of social credit, and the most critical, active and influential is corporate credit, because corporate credit is not only concerned by investors or lenders in the financial market, but also It is also valued by many parties in the general trading market. With the development of economic contractualization, corporate credit will become an important prerequisite for judging whether to conduct cooperation and transactions. Therefore, the construction of enterprise credit syste...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 吕孝乐栾军张鑫王建健王程陈勇杨凯华
Owner 爱信诺征信有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap