Operation risk and credit risk evaluation method and device and computer storage medium

A technology of risk assessment and risk scoring, which is applied in the field of data processing, can solve the problems of consuming large human resources, low efficiency, and mixed with human subjective factors, so as to avoid subjective factors, improve work efficiency, and improve accuracy.

Pending Publication Date: 2021-09-17
深圳微众信用科技股份有限公司
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  • Abstract
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  • Claims
  • Application Information

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Problems solved by technology

[0004] However, financial institutions arrange different reviewers to judge through manual offline in-depth investigation and analysis according to the loan process. Inaccurate assessment

Method used

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  • Operation risk and credit risk evaluation method and device and computer storage medium
  • Operation risk and credit risk evaluation method and device and computer storage medium
  • Operation risk and credit risk evaluation method and device and computer storage medium

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Embodiment Construction

[0027] Embodiments of the present application provide a business risk and credit risk assessment method, device, and computer storage medium, which are used to improve the efficiency of business risk and credit risk assessment and improve the accuracy of risk assessment results.

[0028] see figure 1 One embodiment of the business risk and credit risk assessment method in the embodiment of the present application includes:

[0029] 101. Receive financing requests from financing requesters;

[0030] The method of this embodiment can be applied to a risk assessment device, which can perform the assessment operation of the financing requester's business risk and credit risk, and the device can be a computer device such as a terminal and a server.

[0031] In this embodiment, the financing requester may be any operating entity in social and economic activities, for example, may be an operating entity such as an enterprise or an individual industrial and commercial household. Whe...

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Abstract

The embodiment of the invention discloses an operation risk and credit risk evaluation method and device and a computer storage medium, which are used for improving the efficiency of operation risk and credit risk evaluation and improving the accuracy of a risk evaluation result. The method comprises the steps that a risk evaluation device constructs an operation risk scoring model and a credit risk scoring model according to a tax data sample, calculates an operation risk score by using the operation risk scoring model, and calculates a credit risk score according to the credit risk scoring model, and processing the financing request of the financing requester according to the operation risk score and the credit risk score, so that the evaluation of the operation risk and the credit risk does not need to rely on manual field investigation, and compared with manual offline deep investigation and analysis for determining the operation risk and the credit risk, the evaluation of the operation risk and the credit risk is more accurate. The working efficiency of risk evaluation can be improved. Meanwhile, the risk evaluation is prevented from being doped with human subjective factors, and the accuracy of a risk evaluation result can be improved.

Description

technical field [0001] The embodiment of the present application relates to the field of data processing, and specifically relates to a business risk and credit risk assessment method, device, and computer storage medium. Background technique [0002] With the rapid development of economy and society, the number of small, medium and micro manufacturing enterprises is also growing rapidly. Small, medium and micro manufacturing enterprises need to use their production equipment to apply for loans from financial institutions when operating. For financial institutions, in order to protect their own economic security, it is necessary to make comprehensive judgments on the overall operating conditions and equipment value of small, medium and micro manufacturing enterprises, and evaluate the equipment financing risks of small, medium and micro manufacturing enterprises to determine whether the small, medium and micro manufacturing enterprises Business lending. Among them, one of ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q40/00G06K9/62
CPCG06Q40/06G06Q40/123G06F18/214
Inventor 许卫赵彦晖耿心伟曾源
Owner 深圳微众信用科技股份有限公司
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