Enterprise credit analysis system based on electric power data

Abstract

The invention provides an enterprise credit analysis system based on electric power data, which is characterized by comprising a power data acquisition module, a client module, an analysis server and a total database, the power data acquisition module retrieves and acquires corresponding power user information data from a total database based on a block chain technology and comprises a data access part for accessing an unaccessed demand table to a system source area; according to the acquired data, credit comprehensive intelligent scoring and risk grade evaluation are performed on the power customer credit comprehensive evaluation technology based on Cat, Lof and K-means machine algorithms, an evaluation report is generated, and the evaluation report is used for supporting credit anti-fraud scenes and post-loan early warning product construction; the system automatically obtains, analyzes and generates the evaluation report based on the electric power data, can assist banks in recognizing, monitoring and analyzing the real operation condition of an enterprise, improves the risk control degree of funds, promotes the electric power data to be incorporated into a commercial financial system, and achieves cross-field and cross-industry data sharing and appreciation.

Description

Technical field[0001]The present invention relates to the field of enterprise credit analysis systems, in particular, involving power-based credit analyzer systems.Background technique[0002]At present, commercial banks have not yet included the use of electricity required for loan enterprises to include the credit evaluation system, and they still confirm the business conditions in the form of enterprise electricity bill payment receipt and field visit to verify the production situation, there are enterprise electricity bills, fake or conceal the real situation The possibility. At the same time, the existing enterprise loan before using electricity data is carried out in the way in the line of manual calculation, and each generation must consume 5-6 days, and it is difficult to meet the needs of commercial banks in efficiency. . Therefore, there is a need for a system that can automatically perform corporate credit analysis based on power data to implement a one-button automatic gen...

AI Technical Summary

Problems solved by technology

[0002] At present, commercial banks have not included the electricity consumption necessary for the production and operation of loan enterprises into the credit evaluation system. They still confirm the business status of enterprises by consulting the enterprise’s electricity payment receipts and on-site visits to verify the production situation. There are cases where enterprises’ electricity invoices are falsified or concealed. possibility of

At the same time, the existing pre-loan and post-loan credit analysis reports of enterprises using power data are carried out through offline manual calculations. It takes one person 5-6 days to generate a report, which is difficult to meet the needs of commercial banks in terms of efficiency.

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