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Method, device and equipment for evaluating operation flexibility of small and micro enterprises and medium

An elastic and enterprise technology, applied in the field of small and micro enterprise business resilience assessment

Inactive Publication Date: 2021-05-18
CHINA BOHAI BANK CO LTD
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  • Description
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  • Application Information

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Problems solved by technology

[0006] The technical problem to be solved by the present invention is how to effectively apply the fluctuation characteristics in the business operation data to the evaluation of business elasticity, quantify the business elasticity index, make up for the lack of characteristic dimensions of the traditional enterprise risk control model, and make full use of and mine the business data of small and micro enterprises Risk control value

Method used

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  • Method, device and equipment for evaluating operation flexibility of small and micro enterprises and medium
  • Method, device and equipment for evaluating operation flexibility of small and micro enterprises and medium
  • Method, device and equipment for evaluating operation flexibility of small and micro enterprises and medium

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Experimental program
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Embodiment 1

[0065] The net assets and operating income data of the two companies A and B can be obtained, as shown in Table 2 and Table 3, and the index fluctuation chart is as follows Figure 7-Figure 10 shown.

[0066] Table 2 The net assets of two companies A and B in a certain period

[0067] time Enterprise A's net asset index (10,000 yuan) Enterprise B's net asset index (10,000 yuan) 2019-01 140 60 2019-03 50 80 2019-06 250 110 2019-09 170 170 2020-01 250 230 2020-04 150 150 2020-06 280 180 2020-08 220 170

[0068] Table 3 Operating income of companies A and B in a certain period

[0069]

[0070]

[0071] Taking company B as an example, using the calculation scheme of the above-mentioned company's operating elasticity coefficient The calculation process is as follows:

[0072] 1. The elasticity coefficient of net asset management indicators in the first two quarters of 2020, there is only one fluctuation in...

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Abstract

The invention discloses a small and micro enterprise operation flexibility evaluation method, device, equipment and medium, and the method comprises the following steps: obtaining first-level and second-level operation index data of a target enterprise within a certain time, determining a time-second-level operation index fluctuation curve, and calculating the operation flexibility of the target enterprise according to the fluctuation amplitude, the fluctuation period, the fluctuation frequency and the fluctuation curve growth rate. And sequentially calculating a second-level index single fluctuation period operation elasticity coefficient, a second-level index operation elasticity coefficient and a first-level index operation elasticity coefficient, and finally obtaining an enterprise operation elasticity coefficient to quantify the enterprise operation elasticity. Enterprise operation flexibility is represented by using a quantitative'coefficient ', the defect of characteristic dimension of a traditional enterprise risk control model is made up, and risk control values of small and micro enterprise operation data are fully utilized and mined.

Description

technical field [0001] The present invention relates to the technical field of financial credit, in particular to a method, device, equipment and medium for evaluating the operating flexibility of small and micro enterprises. Background technique [0002] Online credit loans for small and micro enterprises are an important means to carry out inclusive finance. Its risk control model has evolved from IPC, credit factory to Internet financial data empowerment model, and the degree of automation and the proportion of data decision-making have gradually deepened. The credit model empowered by data is to establish a credit identification and evaluation system for small and micro enterprises based on data. Data can be used for credit access conditions, review basis, building data models, or making credit decisions for small and micro enterprises through data analysis. The key to enterprise credit risk assessment is to evaluate the repayment willingness and repayment ability of t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/06393G06Q40/03
Inventor 仵伟强赵峰任冬梅王典杨杨赵卿张浩李文光刘晔楠任芸
Owner CHINA BOHAI BANK CO LTD