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Resource determination method and device, electronic equipment and storage medium

A resource determination and resource technology, applied in data processing applications, finance, instruments, etc., can solve the problems of poor authenticity and low accuracy of evaluation results, improve accuracy, improve reliability, and avoid unreasonable resource allocation Effect

Pending Publication Date: 2022-06-07
AGRICULTURAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, with the development of small and micro enterprises, their credit level will be affected by a large number of practical factors. Therefore, the evaluation results obtained by this method have poor authenticity and low accuracy, and thus cannot provide suitable financing services for small and micro enterprises. , leading to business risk issues

Method used

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  • Resource determination method and device, electronic equipment and storage medium
  • Resource determination method and device, electronic equipment and storage medium
  • Resource determination method and device, electronic equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] figure 1 This is a flowchart of a method for determining resources provided by the first embodiment of the present invention. This embodiment is applicable to the situation of enterprise credit evaluation. The method can be executed by the resource determining device in the embodiment of the present invention, and the device can adopt software and / or hardware. Optionally, the electronic device may be a mobile terminal, a PC terminal, a server terminal, or the like. The apparatus may be configured in a computing device, and the resource determination method provided in this embodiment specifically includes the following steps:

[0030] S110: Acquire at least one to-be-used subject associated with the target subject, and retrieve business attribute data and risk assessment data of each to-be-used subject.

[0031] Among them, the target subject can be understood as the subject that needs to be evaluated. Optionally, the target subject can be small and micro enterprises s...

Embodiment 2

[0073] As an optional embodiment of the above-mentioned embodiment, figure 2 It is a schematic diagram of a resource determination method provided by Embodiment 2 of the present invention. Specifically, please refer to the following specific content.

[0074] see figure 2 , you can obtain the qualification data of the information qualification review of the subject to be used in the last six months. As the qualification information of the subject, according to the severity of the qualification violation, the qualification violation can be divided into three risk levels: serious, general and minor. According to the performance of the subject qualification information on the three risk levels, the evaluation is carried out respectively, and the risk assessment value corresponding to the three risk levels can be obtained. Optionally, the subject qualification information can be input into the pre-trained qualification evaluation model. The result of the risk assessment value ...

Embodiment 3

[0089] Figure 4 This is a structural block diagram of a resource determination apparatus provided by Embodiment 3 of the present invention. The apparatus includes: an evaluation data acquisition module 410 , a target evaluation attribute determination module 420 , a target evaluation report determination module 430 and a target allocation resource determination module 440 .

[0090] Among them, the evaluation data acquisition module 410 is used to acquire at least one subject to be used associated with the target subject, and to retrieve the business attribute data and risk assessment data of each subject to be used; the target evaluation attribute determination module 420 is used to determine according to each subject business attribute data and risk assessment data, determine the attribute characteristic value corresponding to the corresponding subject to be used, and determine the target evaluation attribute corresponding to the target subject according to each attribute c...

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Abstract

The embodiment of the invention discloses a resource determination method and device, electronic equipment and a storage medium. The method comprises the steps of obtaining at least one to-be-used subject associated with a target subject, and calling business attribute data and risk assessment data of each to-be-used subject; according to the business attribute data and the risk assessment data, determining an attribute feature value corresponding to the corresponding to-be-used subject, and according to each attribute feature value, determining a target assessment attribute corresponding to the target subject; determining a target evaluation report according to the target evaluation attribute and a preset evaluation attribute; and determining a target allocation resource corresponding to the target subject based on the target evaluation report. According to the method and the device, the problems of poor authenticity and low accuracy of the evaluation result and incapability of reasonably providing the adaptive service caused by evaluating the enterprise credit based on the qualification-debt ratio in the prior art are solved, the accuracy of evaluating the credit of the target subject is improved, the adaptive resources are allocated for the target subject, and the effect of reducing the risk is achieved.

Description

technical field [0001] Embodiments of the present invention relate to computer processing technologies, and in particular, to a resource determination method, apparatus, electronic device, and storage medium. Background technique [0002] At present, the state pays more and more attention to the support of small and micro enterprises, and also encourages financial institutions to provide financing preferential services for small and micro enterprises with good reputation, and control the loan interest rate within a reasonable range to avoid the small and micro enterprises due to large or large fluctuations in interest rates. Micro-enterprises bring business risks, among which small and micro enterprises are collectively referred to as small enterprises, micro-enterprises, and home-based workshop enterprises. Therefore, financial institutions need to make a more accurate assessment of the creditworthiness of small and micro enterprises. [0003] In the existing technology, d...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q40/02
CPCG06Q40/08G06Q40/03
Inventor 魏伟冯俊峰
Owner AGRICULTURAL BANK OF CHINA
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