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Enterprise financing credit evaluation system and method

A credit evaluation, enterprise technology, applied in the field of computer services, can solve the problems of investing a lot of manpower and material resources, low efficiency, etc., to achieve the effect of ensuring accuracy, reducing the investment of manpower and material resources, and making credit evaluation more standardized

Pending Publication Date: 2021-05-14
成都高投盈创动力投资发展有限公司
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  • Summary
  • Abstract
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] When an enterprise conducts financing, according to different platforms or units and different enterprise needs, the required credit evaluation content is slightly different. The financial status is the main evaluation part of the credit evaluation. At present, the existing corporate financing credit evaluation methods mainly It means that the enterprise submits various financial statements online or directly offline through manual analysis and observation of data indicators, and then obtains the financing credit situation of the enterprise based on experience. This method is suitable for some investment companies, and for some financial institutions, it requires investment. A large amount of manpower and material resources, and low efficiency, now needs a credit evaluation system that can meet the needs of different companies and different platforms to standardize companies according to different business types

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  • Enterprise financing credit evaluation system and method
  • Enterprise financing credit evaluation system and method
  • Enterprise financing credit evaluation system and method

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Experimental program
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Embodiment 1

[0044] Embodiment 1 of the present invention provides a kind of enterprise financing credit evaluation system, such as figure 1As shown, it includes an enterprise management terminal, a service terminal and a credit evaluation system; the credit evaluation system includes a credit evaluation module and a data warehouse, and the enterprise management terminal, business terminal and credit evaluation system perform data interaction through the network.

[0045] The enterprise management terminal is equipped with an enterprise financing credit platform, which is used for data interaction between the enterprise management terminal and the business terminal. The enterprise management personnel obtain the service business provided by the business terminal of different companies through the credit platform, and use the platform to apply for the required business , and provide the data information required by the business for credit evaluation according to the feedback from the busines...

Embodiment 2

[0071] Embodiment 2 of the present invention provides an enterprise financing credit evaluation method based on the enterprise financing credit evaluation system provided in the above-mentioned embodiment 1, such as image 3 As shown, the specific process of the method is as follows:

[0072] S1: The enterprise management terminal sends a business declaration request to the business terminal, and provides the required credit data of the business according to the index requirements of the business terminal.

[0073] S2: The service terminal calls the credit evaluation system according to the business request declared by the enterprise management terminal, matches the corresponding evaluation index model according to the declared business type, and sends the unified social credit code and corresponding data information of the enterprise at the same time to the corresponding indicator model.

[0074] S3: According to the credit data information provided by the enterprise, calcul...

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Abstract

The invention provides an enterprise financing credit evaluation system and method, the system comprises an enterprise management terminal provided with an enterprise financing credit platform, a service terminal provided with a service system and a credit evaluation system, and the credit evaluation system comprises a model matching module, a data acquisition module, a triple index evaluation module and a result report output module. The enterprise management terminal, the business terminal and the credit evaluation system perform data interaction through a network, establish data connection for different enterprises needing financing and enterprises providing different businesses, call triple index evaluation models in the credit evaluation system according to different businesses to perform credit evaluation, and output a score result. The enterprise credit evaluation is standardized, the review efficiency of both parties is improved, and the requirements of enterprises on the market are better met.

Description

technical field [0001] The invention relates to the technical field of computer services oriented to enterprise data information, in particular to an enterprise financing credit evaluation system and method. Background technique [0002] With the opening and development of the economy, more and more private enterprises are able to develop, and the contribution of these enterprises to the gross national product is becoming more and more important. For enterprises, the direct impact of the credit evaluation system is government supervision and market supervision , The importance of credit evaluation for an enterprise is self-evident. Whether it is borrowing from a bank, attracting investment from an investment company, or financing from other units or organizations, a good credit evaluation is required. [0003] When an enterprise conducts financing, according to different platforms or units and different enterprise needs, the required credit evaluation content is slightly dif...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q30/00G06Q10/06
CPCG06Q30/018G06Q10/06393G06Q40/03
Inventor 封小东范波
Owner 成都高投盈创动力投资发展有限公司