Personal and enterprise credit evaluation system based on credit sharing

A credit evaluation and enterprise technology, applied in data processing applications, digital data information retrieval, special data processing applications, etc., can solve the problems of inconvenient query and high maintenance cost, and achieve the effects of convenient query, system simplification, and convenient use

Pending Publication Date: 2022-01-28
广州市雄志数科科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the prior art, credit evaluation systems for individuals and enterprises usually use two independent evaluation systems. When different evaluation agencies evaluate individuals and enterprises, they need to use different evaluation systems for evaluation. The two systems are independent of each other. When inquiring about a company’s evaluation report, not only the company’s credit report but also the reports of executives, shareholders, etc. need to be inquired. The inquires need to be inquired separately, which is inconvenient and the separate maintenance cost between the two independent systems is also relatively high.

Method used

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  • Personal and enterprise credit evaluation system based on credit sharing
  • Personal and enterprise credit evaluation system based on credit sharing
  • Personal and enterprise credit evaluation system based on credit sharing

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0037] see figure 1 , in Embodiment 1 of the present invention, a structure diagram of a personal and enterprise credit evaluation system based on credit sharing provided by the embodiment of the present invention includes: a data acquisition module 1, a data processing module 2 and a client 3, the data The processing module 2 is respectively connected to the communication between the data acquisition module 1 and the client 3;

[0038] Data collection module 1, used to collect credit information data about individuals and enterprises;

[0039] Wherein, the credit investigation data includes shopping website transaction data of individuals and enterprises and real estate and securities transaction data of individuals and enterprises;

[0040] Wherein, the data acquisition module 1 also includes a shopping website data acquisition unit 11 and a house property, a securities transaction data acquisition unit 12; the shopping website data acquisition unit 11 is used to collect sh...

Embodiment 2

[0062] see figure 2 , in Embodiment 2 of the present invention, the workflow of the controller unit 22 of a personal and enterprise credit evaluation system based on credit sharing provided by the embodiment of the present invention;

[0063] S2201: Receive the client 3 inquiry credit report instruction;

[0064] S2202: check whether there is a ready-made report in the data storage unit 21;

[0065] S2203: If there is, directly call from the data storage unit 21 and send it to the client 3; if there is no distinction between the personal and enterprise credit information in the instruction, send the information to the second processing unit 23 and the first processing unit 24 respectively according to the result of the distinction. Issue instructions for outputting personal or corporate credit reports. Further, the receiving of the instruction input by the client 3 is realized.

Embodiment 3

[0067] see Figure 3-4 , in Embodiment 2 of the present invention, the workflow of the first processing unit 24 of a personal and enterprise credit evaluation system based on credit sharing provided by the embodiment of the present invention;

[0068] S2401: The preprocessing unit 25 receives the instruction of the controller unit 22, and then transfers the credit data to the data storage unit 21;

[0069] S2402: The preprocessing unit 25 performs preliminary judgment on the transferred credit investigation data, generates a preliminary credit investigation report, and sends the report to the data storage unit 21 and the client 3;

[0070] S2403: If the preprocessing unit 25 judges that the user has a major risk, it will send an instruction to the in-depth processing unit 26 not to perform the next operation. If there is no major risk, the in-depth processing unit 26 will retrieve data from the data storage unit 21 and generate a detailed Credit report. Avoid unnecessary ope...

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PUM

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Abstract

The invention is suitable for the technical field of enterprise credit assessment, and provides a personal and enterprise credit evaluation system based on credit sharing. The system comprises a data acquisition module, a data processing module and a client, wherein the data processing module is in communication connection with the data acquisition module and the client; the data acquisition module is used for collecting credit investigation data about individuals and enterprises and sending the credit investigation data to the data processing module; the data processing module is used for receiving and storing the personal and enterprise credit investigation data sent by the data acquisition module, and is used for receiving a credit investigation evaluation report query instruction of a client, and the credit investigation evaluation report query instruction comprises to-be-queried subject identification information; a credit investigation evaluation report corresponding to the to-be-queried subject identification information is generated according to stored credit investigation data of individuals and enterprises, the credit investigation evaluation report is stored, and the credit investigation evaluation report is sent to the client; and the data storage unit is used for storing the credit investigation data and the credit investigation evaluation report.

Description

technical field [0001] The invention relates to the technical field of enterprise credit evaluation, in particular to a personal and enterprise credit evaluation system based on credit sharing. Background technique [0002] Credit assessment is an activity in which banks evaluate the creditworthiness of borrowers. The most basic condition for bank loans is credit. If you have good credit, you can easily obtain bank loan support, but if you have poor credit, it is difficult to obtain bank loan support. The borrower's credit is composed of many factors, including the borrower's assets and liabilities, operation and management level, product economic benefits and market development trends, etc. [0003] In the prior art, credit evaluation systems for individuals and enterprises usually use two independent evaluation systems. When different evaluation agencies evaluate individuals and enterprises, they need to use different evaluation systems for evaluation. The two systems are...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/23G06F16/2455G06F16/248
CPCG06F16/23G06F16/2455G06F16/248G06Q40/03
Inventor 成雄志
Owner 广州市雄志数科科技有限公司
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