Enterprise Credit Risk Assessment System

Abstract

A corporate credit risk assessment system includes a data integration and processing module and a risk assessment and analysis module. The data integration and processing module retrieves corresponding credit information from multiple corporate clients using a unified identification number, and retrieves corresponding negative information from multiple external databases. It then integrates the credit information and negative information of the same corporate client into a single corporate credit risk assessment report, which is stored in the aforementioned risk database. The risk assessment and analysis module performs semantic analysis and quantitative processing on the corporate credit risk assessment report to calculate a credit risk value for one of the corresponding corporate clients, and simultaneously generates a corporate credit risk assessment report, which is transmitted to the credit personnel's device.

Claims

1. A corporate credit risk assessment system, installed within a bank mainframe server, comprising a plurality of hardware modules consisting of a plurality of electrically connected hardware circuits, the hardware modules including: A data integration and processing module is communicatively connected to a credit officer's device, an internal system, and multiple external databases. This module includes a risk database. Based on a unique identifier for multiple businesses, the module retrieves corresponding credit information from the internal system and corresponding negative information from the external databases. It then integrates the credit information and negative information of the same business into a single business credit risk assessment report, which is stored in the risk database. Alternatively, the data integration and processing module connects to... After receiving a unique corporate ID transmitted by the credit granting personnel device, the system compares and retrieves the corresponding corporate credit risk assessment information from the risk database; and a risk assessment parsing module, which is communicatively connected to the data integration and processing module and the credit granting personnel device, receives the corporate credit risk assessment information transmitted by the data integration and processing module, performs semantic parsing and quantification on the corporate credit risk assessment information to calculate and generate a corresponding corporate credit risk value, and simultaneously generates a corporate credit risk assessment report which is transmitted to the credit granting personnel device.

2. The enterprise credit risk assessment system as described in claim 1, wherein the internal system is a credit assessment system.

3. The corporate credit risk assessment system as described in claim 1, wherein the corporate credit information includes credit cases over the years or transactions during the credit period.

4. The corporate credit risk assessment system as described in claim 1, wherein such negative corporate information includes judicial judgment information, negative news information, or information on penalties imposed by competent authorities.

5. The corporate credit risk assessment system as described in claim 1, wherein the credit risk value is a default probability value between 1% and 100%; and when the risk assessment analysis module determines that no negative information or abnormal records are found in the corporate credit risk assessment information, the display field of the credit risk value displays a prompt text indicating that no possible default information is found.

6. The corporate credit risk assessment system as described in claim 1, wherein the corporate credit risk assessment report includes the credit risk value, key risk influencing factors, or explanatory reasons.

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