Enterprise credit strategy query method and system

Abstract

The invention discloses an enterprise credit and loan strategy query method and system, and the method comprises the steps: receiving a credit and loan strategy query request, and analyzing the unique identification information of a bank contained in the credit and loan strategy query request; calling a corresponding credit strategy from a credit strategy storage database according to the unique identification information; wherein the calculation process of the enterprise credit strategy comprises the following steps: obtaining evaluation index data of each enterprise; predicting the reputation level of each enterprise according to the evaluation index data of each enterprise; screening enterprises meeting bank loan requirements from the enterprises according to the reputation levels, and calculating the loss rate of the enterprises meeting the bank loan requirements along with the loan annual interest rate and the risk rate that the enterprises cannot repay the bank loan; constructing a capital income model according to the wastage rate, the loan annual interest rate and the risk rate; and solving the capital income model by taking the maximum bank income as a target to obtain an enterprise credit strategy of the bank. And query of the enterprise credit strategy of the bank is realized.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to an enterprise credit policy inquiry method and system. Background technique [0002] When micro, small and medium-sized enterprises take out loans, due to the lack of collateral assets, banks usually provide loans to enterprises with strong strength and stable supply and demand based on credit policies, enterprise transaction bill information and the influence of upstream and downstream enterprises, and can provide loans to enterprises with high reputation and credit Enterprises with small risks are given certain interest rate concessions. Banks will evaluate the credit risk of small, medium and micro enterprises based on their strength and reputation, and then determine whether to lend and credit strategies such as loan amount, interest rate and term based on credit risk. [0003] However, the inventors of the present disclosure found that there is no correspond...

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Problems solved by technology

[0003] However, the inventors of the present disclosure found that there is no corresponding inquiry mechanism for the bank's credit strategy, so that the enterprise cannot accurately know the bank's credit strategy, so as to choose the bank, and the bank also has the following problems when issuing loans:

[0004] (1) There is a lack of a more accurate assessment model for whether the enterprise has credit risk

[0005] (2) Assuming that after a certain risk assessment of the credit risk of the enterprise, there is a lack of targeted credit strategies

[0006] (3) The production, operation and economic benefits of an enterprise may be affected by some sudden factors, which often have different effects on different industries and different types of enterprises, and the existing credit strategies cannot be made for these sudden factors. Adjust in time

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