Enterprise credit investigation evaluation method and device

Abstract

The invention discloses an enterprise credit investigation evaluation method and device. The method comprises the steps of obtaining credit investigation indexes of an enterprise according to a credit investigation report; judging whether the credit investigation index of the enterprise meets a preset quantity condition and a preset validity condition at the same time, if so, obtaining a credit investigation score of the enterprise according to the credit investigation index of the enterprise, and carrying out credit investigation evaluation on the enterprise according to the credit investigation score of the enterprise; and if not, acquiring multi-channel data of the enterprise, and performing credit investigation evaluation on the enterprise according to the multi-channel data; determining whether the credit investigation indexes of the enterprises are sufficient and perfect or not according to a preset quantity condition and a preset validity condition, and evaluating the enterprises with sufficient and perfect credit investigation indexes according to credit investigation scores of the enterprises; for enterprises with insufficient and / or imperfect credit investigation indexes, broadening the source channel of credit investigation data to achieve credit investigation evaluation by multi-channel data. The problem of too low enterprise credit investigation evaluation caused by lack of credit investigation indexes analyzed in the credit investigation report is avoided, and the accuracy of enterprise credit investigation evaluation is improved.

Description

Technical field[0001]The present application relates to the field of data processing, and in particular, to a corporate credit faith assessment method and apparatus.Background technique[0002]Convolution is a credit information that collects, organizes, preserves, processes natural persons, legal persons, and other organizations, and provides credit reports, credit assessments, credit advisory services to help customers judge, control credit risk, and conduct credit management activities. The credit faith has played an important basic role in promoting the development of credit economic development and social credit system: First, to prevent credit risk; the second is to expand credit transactions; third is to improve economic operation efficiency; fourth is to promote social credit system construction.[0003]The existing enterprise credit evaluation system depends on the credit faith index data parsed from the People's Bank of Control report, using the machine learning model to evalu...

AI Technical Summary

Problems solved by technology

For example, the financial data of small and medium-sized enterprises are often missing and the authenticity of the data cannot be guaranteed. At the same time, they lack sufficient collateral

If the pre-loan evaluation of small and medium-sized enterprises is carried out according to the credit evaluation plan of large enterprises, it will be difficult for small and medium-sized enterprises to obtain financing, which is contrary to the strategy of focusing on supporting the development of small and medium-sized enterprises

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