Risk assessment method and device
A risk assessment and enterprise technology, applied in the field of data processing, can solve the problems of difficulty in credit loans, less public information, less collateral, etc., to reduce the difficulty of credit loans, reduce lending risks, and improve reliability.
Pending Publication Date: 2021-11-02
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD +1
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[0002] Compared with large enterprises, small-scale enterprises (such as small and micro enterprises with operating income less than 10 million and the number of enterprises less than 50 employees) have low registered capital, less public information and less collateral, and financial institutions do not conduct on-site visits It is difficult to obtain data on their business operations, and it is also difficult to accurately assess their credit status, which increases the lending risk of financial institutions and makes financial institutions reluctant to lend to these enterprises.
Therefore, small-scale enterprises have the problem of difficult credit loans
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[0018] The following will clearly and completely describe the technical solutions in the embodiments of the present disclosure with reference to the accompanying drawings in the embodiments of the present disclosure. Obviously, the described embodiments are only some of the embodiments of the present disclosure, not all of them.
[0019] The risk assessment method provided by the embodiments of the present disclosure is not only applicable to small and micro enterprises, but also applicable to other types of enterprises that have difficulties in getting loans due to little public information. The following embodiments mainly take small and micro enterprises as an example for illustration.
[0020] Small and micro enterprises are collectively referred to as small enterprises, micro enterprises, and family workshop enterprises. Different industries may have different standards for the classification of small and micro enterprises. For example, for agriculture, forestry, animal h...
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The invention discloses a risk assessment method and device. The method performs risk assessment on credit of an enterprise based on a block chain system, the block chain system comprises block chain nodes corresponding to the enterprise and a financial institution, and the method comprises the steps of receiving enterprise related data of the enterprise from the block chain system, wherein the enterprise related data comprises data uploaded to the block chain system by the management information system of the enterprise; performing risk assessment on credit of the enterprise according to the enterprise related data to determine an assessment result of the risk assessment; and uploading an assessment result of the risk assessment to the block chain system for the financial institution to call.
Description
technical field [0001] The present disclosure relates to the technical field of data processing, and in particular to a risk assessment method and device. Background technique [0002] Compared with large enterprises, small-scale enterprises (such as small and micro enterprises with operating income less than 10 million and the number of enterprises less than 50 employees) have low registered capital, less public information and less collateral, and financial institutions do not conduct on-site visits It is difficult to obtain their business behavior data, and it is also difficult to accurately evaluate their credit status, which increases the lending risk of financial institutions and makes financial institutions reluctant to lend to these enterprises. Therefore, small-scale enterprises have the problem of difficult credit loans. Contents of the invention [0003] In view of this, the present disclosure provides a risk assessment method and device to improve the accuracy...
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IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 张宇豪
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD