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Graph model-based public credit evaluation method and system

A graph model and credit technology, applied in the direction of instrumentation, semantic tool creation, unstructured text data retrieval, etc., can solve the problems of time-consuming and labor-intensive information collection, incomplete information, difficult management of risk expert management mode, and judgment of overall customer risk.

Pending Publication Date: 2022-04-29
ZHEJIANG CHUANGLIN TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The complex relationship makes the risk transmission path complicated and the risk contagion is enhanced
[0006] Secondly, from the perspective of internal management, it is necessary to expand the perspective of observation and three-dimensionally evaluate risks from the perspective of the overall relationship network of customers
With the accumulation of customer data in the business process, the amount of information in the customer's overall relationship network is becoming larger and larger, and the risk expert management model is difficult to manage and judge the overall risk of customers
The collection of risk information is mainly based on the due diligence of the account manager. The source of information involves multiple systems or websites, the information is incomplete, and information collection is time-consuming and laborious.

Method used

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  • Graph model-based public credit evaluation method and system
  • Graph model-based public credit evaluation method and system
  • Graph model-based public credit evaluation method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0096] Business Requirement 1: Identification of Family Affiliated Enterprises

[0097] In order to increase the actual credit line, lending companies may conceal the information about the affiliated companies of family members, and conduct separate financing and unified scheduling, resulting in an increase in the operational risk of credit assets. Graph technology can discover the hidden relationship between corporate shareholders, executives, and legal representatives through the kinship relationship between them.

[0098] Query description:

[0099] 1) For example, the goal is to query companies associated with company 7 through family relationships;

[0100] 2) Query eligible companies, requiring the company's executives, shareholders, and legal representatives to have a kinship relationship with the company's executives, shareholders, and legal representatives;

[0101] 3) Limit the level of kinship between 1st and 3rd, that is, immediate relatives within three generati...

Embodiment 2

[0148] Based on the same technical idea, the present invention also provides a corporate credit evaluation system based on a graph model, which includes:

[0149] An acquisition module, used to create a sample data set according to the pre-defined source of sample data, content and scale of the sample data set;

[0150] The model building module is used to construct a graph model with multiple enterprises and natural persons in the sample data set as points and the association relationship between the enterprises and natural persons as edges;

[0151] An evaluation module, configured to receive business demands, query the corresponding fields in the graph model according to the business demands, and evaluate the reputation of the enterprise;

[0152] The feedback module is used to feedback the enterprise reputation evaluation results corresponding to the business demands.

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PUM

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Abstract

The invention relates to a public credit evaluation method and system based on a graph model, and the method comprises the steps: building a sample data set according to a predefined sample data source, and the content and scale of the sample data set; constructing a graph model by taking a plurality of enterprises and natural persons in the sample data set as points and taking the incidence relation between the enterprises and the natural persons as edges; receiving a business appeal, querying a corresponding field in the graph model according to the business appeal, and evaluating the enterprise reputation; and feeding back an enterprise reputation evaluation result corresponding to the business appeal. According to the scheme, effective information in the enterprise information data can be quickly and intuitively known, induction and summarization of the enterprise information data are realized, and regional and systematic financial risks are effectively prevented.

Description

technical field [0001] The invention belongs to the field of financial credit, and in particular relates to a corporate credit evaluation method and system based on a graph model. Background technique [0002] Credit business is the main source of profit for commercial banks, accounting for more than 70% of banking assets. Among them, public credit occupies the highest proportion in the credit business. From January to September 2020, among the new loans of all financial institutions, the new loans of enterprises and institutions increased by 10.56 trillion yuan, accounting for nearly 65% ​​of the total new loans, which greatly exceeded the proportion of 56.17% last year. The total corporate credit scale of commercial banks across the country exceeds 50 trillion yuan, of which the six major state-owned banks exceed 40 trillion yuan, the 9 listed joint-stock banks are about 15.4 trillion yuan, and the 21 city commercial banks and rural commercial banks total 5.1 trillion yua...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/36
CPCG06F16/367G06Q40/03
Inventor 张晨
Owner ZHEJIANG CHUANGLIN TECH CO LTD