A method and device for managing corporate credit

Abstract

The embodiment of the present application provides a method and device for managing corporate credit, the method comprising: obtaining loan information of a target enterprise, the loan information including the loan amount and first bill chain information, the first bill chain information being used to characterize the supply chain bill transaction information in which the target enterprise directly participated within a first preset time; determining the loan review result of the target enterprise based on the degree of match between the loan amount and the first bill chain information, the loan review result including passing the loan review and failing the loan review. Using the above method, the credit status and revenue status of the target enterprise can be accurately reflected by combining the bill chain information and the loan amount, and the loan review result can be obtained based on the credit status and revenue status of the enterprise.

Description

Technical Field

[0001] The present application belongs to the technical field of big data processing, and specifically relates to a method and device for managing corporate credit. Background Art

[0002] Corporate credit loans refer to unsecured, unsecured loans issued by banks to legal representatives or controlling shareholders of small businesses for legitimate designated purposes such as supplementing the business's liquidity and capital turnover. As the saying goes, "gold has a price, but credit is priceless." As banking industry insiders point out, weakening collateral and strengthening credit loans will become the main trends in the future development of SME lending. Along with the growth of corporate credit loans, supply chain finance has also rapidly developed. Supply chain finance refers to a financing model in which banks connect core enterprises with upstream and downstream companies to provide flexible financial products and services. This can activate the entire supply chain and, with the support of bank credit, generate more business opportunities for SMEs. The review of corporate credit loans is a crucial topic at this time. It is well known that the bill chain is a key evidence of a company's operating income, and how to accurately determine a company's credit status through bill chain analysis is a pressing issue. Summary of the Invention

[0003] The embodiment of the present application provides a method and device for managing corporate credit, which quickly and accurately obtains the credit status of the enterprise by analyzing the enterprise's bill chain, thereby obtaining the result of the loan review.

[0004] In the first aspect, an embodiment of the present application provides a method for managing corporate credit, the method comprising: obtaining loan information of a target enterprise, the loan information including a loan amount and first bill chain information, the first bill chain information being used to characterize the supply chain bill transaction information in which the target enterprise directly participates within a first preset time; determining a loan review result of the target enterprise based on the degree of matching between the loan amount and the first bill chain information, the loan review result including passing the loan review and failing the loan review.

[0005] In one possible example, the loan review result of the target enterprise is determined based on the degree of matching between the loan amount and the first bill chain information, including: obtaining the transaction amount of at least one supply chain bill included in the first bill chain information; determining a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the seller; determining a first ratio between the second transaction amount and the first transaction amount; if the first ratio is greater than a first preset ratio, and the second transaction amount is greater than a first preset threshold, determining that the loan review result is passed; if the first ratio is greater than the first preset ratio, and the second transaction amount is not greater than the first preset threshold, determining that the loan review result is passed, and providing the target enterprise's loanable amount, the loanable amount is less than the loan amount; if the first ratio is not greater than the first preset ratio, determining that the loan review result is failed.

[0006] In one possible example, the loan review result of the target enterprise is determined based on the degree of matching between the loan amount and the first bill chain information, including: obtaining the transaction amount of at least one supply chain bill included in the first bill chain information; determining a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the seller; determining a first difference between the second transaction amount and the first transaction amount; if the first difference is greater than a first preset difference, determining that the loan review result is passed; if the first difference is not greater than the first preset difference, determining that the loan review result is failed.

[0007] In one possible example, the method also includes: obtaining second ticket chain information, the second ticket chain information is used to characterize the supply chain bill transaction information in which the target enterprise indirectly participates within a first preset time; constructing a supply chain system based on the second ticket chain information, the supply chain system includes supply chain nodes corresponding to the transaction parties of at least two supply chain bills, and there is an inter-node value between adjacent supply chain nodes, and the inter-node value is the transaction amount between adjacent supply chain nodes; inputting the inter-node value of the supply chain system into the inter-node value prediction model to obtain the predicted inter-node value of the target enterprise; determining the actual inter-node value of the target enterprise based on the first ticket chain information; before determining the loan review result of the target enterprise based on the matching degree of the loan amount and the first ticket chain information, the method also includes: determining that the difference between the predicted inter-node value and the actual inter-node value is less than a second preset difference.

[0008] In one possible example, if it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, the method also includes: if the target enterprise is a core enterprise in the supply chain, determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the first bill chain information, wherein the core enterprise is the enterprise with the largest bill transaction amount in the supply chain; if the target enterprise is not a core enterprise in the supply chain, determining the virtual first bill chain information based on the predicted inter-node value, and determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the virtual first bill chain information.

[0009] In one possible example, after determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the virtual first ticket chain information, the method also includes: obtaining the transaction amount of at least one supply chain bill included in the first ticket chain information; determining a first transaction amount and a second transaction amount based on the transaction amount of at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the seller; determining a first difference between the second transaction amount and the first transaction amount; obtaining the transaction amount of at least one virtual supply chain bill included in the virtual first ticket chain information; determining a third transaction amount and a fourth transaction amount based on the bill transaction amount of at least one virtual supply chain, wherein the third transaction amount is the sum of the transaction amounts of the virtual supply chain bills of which the target enterprise is the buyer, and the fourth transaction amount is the sum of the transaction amounts of the virtual supply chain bills of which the target enterprise is the seller; determining a second difference between the fourth transaction amount and the third transaction amount; if the loan review result is that the loan review is passed, determining a second ratio of the second difference to the first difference, and calculating the second ratio with the loan amount to obtain the loanable amount of the target enterprise.

[0010] In one possible example, after determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the first ticket chain information, the method also includes: if the loan review result is that the loan review is passed, determining that the supply chain system obtained according to the second ticket chain information is the first supply chain system, obtaining the first inter-node value corresponding to the first supply chain system, and the first inter-node value is the sum of all inter-node values in the supply chain system at the first time; obtaining the third ticket chain information, and the third ticket chain information is the supply chain bill transaction information in which the target enterprise indirectly participates within the second preset time; generating the second supply chain system according to the third ticket chain information, and obtaining the second inter-node value corresponding to the second supply chain system, and the second inter-node value is the sum of all inter-node values in the supply chain system at the second time; if the difference between the first inter-node value and the second inter-node value is greater than the third preset difference, the loan to the target enterprise is terminated.

[0011] In a second aspect, an embodiment of the present application provides a device for managing corporate credit, including:

[0012] An acquisition unit is used to acquire loan information of a target enterprise, including loan amount and first bill chain information. The first bill chain information is used to represent supply chain bill transaction information in which the target enterprise directly participates;

[0013] The determination unit is used to determine the loan review result of the target enterprise based on the matching degree between the loan amount and the first bill chain information. The loan review result includes passing the loan review or failing the loan review.

[0014] In a third aspect, an embodiment of the present application provides an electronic device comprising a processor, a memory, and a communication interface. The processor, the memory, and the communication interface are interconnected and perform communication with each other. The memory stores executable program code, the communication interface is used for wireless communication, and the processor is used to retrieve the executable program code stored in the memory and execute, for example, some or all of the steps described in any method of the first aspect.

[0015] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which program data is stored. When the program data is executed by a processor, the program data is used to execute the program data to implement part or all of the steps of the first aspect of the embodiment of the present application.

[0016] It can be seen that in the embodiment of the present application, the target enterprise's loan information is obtained, and the loan information includes the loan amount and the first bill chain information. The first bill chain information is used to represent the supply chain bill transaction information in which the target enterprise directly participates within the first preset time; the target enterprise's loan review result is determined based on the degree of match between the loan amount and the first bill chain information. The loan review result includes passing the loan review and failing the loan review. Using the above method, the credit status and revenue status of the target enterprise can be accurately reflected by combining the bill chain information and the loan amount, and the loan review result can be obtained based on the credit status and revenue status of the enterprise. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0018] Figure 1 A schematic diagram of the structure of an enterprise credit management system provided in an embodiment of the present application;

[0019] Figure 2 A flowchart of a method for managing corporate credit provided in an embodiment of the present application;

[0020] Figure 3 A schematic diagram of the structure of a supply chain system provided in an embodiment of the present application;

[0021] Figure 4 A flowchart of the pre-loan review steps provided in an embodiment of the present application;

[0022] Figure 5 A schematic diagram of the structure of a corporate credit management device provided in an embodiment of the present application;

[0023] Figure 6 A schematic structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0024] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0025] The terms "first," "second," and so on, in the specification and claims of this application and the accompanying drawings are used to distinguish between different objects, not to describe a specific order. Furthermore, the terms "including," "having," and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, product, or apparatus comprising a series of steps is not limited to the listed steps but may optionally include steps not listed, or may optionally include other steps inherent to the process, method, product, or apparatus.

[0026] References herein to "embodiments" mean that a particular feature, structure, or characteristic described in connection with the embodiments may be included in at least one embodiment of the present application. The appearance of this phrase in various places in the specification does not necessarily refer to the same embodiment, nor does it constitute an independent or alternative embodiment that is mutually exclusive of other embodiments. It is understood, both explicitly and implicitly, by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0027] First, see Figure 1 , Figure 1 A structural diagram of an enterprise credit management system provided in an embodiment of the present application is shown as follows: Figure 1 As shown,

[0028] The system includes a loan information acquisition device and a loan review device. The loan information acquisition device is used to obtain information required by the target enterprise for loan application. This information can be the information submitted by the target enterprise when applying for a loan, or other information required by the loan review agency for loan review of the target enterprise, such as bill chain information and tax information. The loan review device is used to conduct loan review on the target enterprise.

[0029] The operation of the above-mentioned enterprise credit management system is specifically as follows: the loan information acquisition device acquires the loan information of the target enterprise and sends it to the loan review device, and the loan review device conducts a loan review on the target enterprise based on the loan information and finally obtains the loan review result.

[0030] The following is a detailed description of the management methods of corporate credit:

[0031] See also Figure 2 , Figure 2 A flow chart of a method for managing corporate credit provided in an embodiment of the present application is shown as follows: Figure 2 As shown, the method includes the following steps:

[0032] Step 201: Obtain loan information of the target enterprise, where the loan information includes the loan amount and first bill chain information. The first bill chain information is used to represent the supply chain bill transaction information in which the target enterprise directly participates within a first preset time.

[0033] Loan information refers to the information the target enterprise uses to obtain a loan. This information may include the loan amount, repayment period, tax information, and first-line bill chain information. This first-line bill chain information may include information on bill transactions in which the target enterprise participated as a buyer, seller, or third party within the target enterprise's supply chain within a predetermined time period. The supply chain refers to the network structure formed by upstream and downstream enterprises involved in the production and distribution process, providing products or services to end users.

[0034] Step 202: Determine the loan review result of the target enterprise based on the matching degree between the loan amount and the first ticket chain information. The loan review result includes passing the loan review or failing the loan review.

[0035] Among them, the loan amount is the amount of loan applied for by the target enterprise. The matching degree between the loan amount and the first bill chain information is mainly used to determine the current credit status and revenue situation of the target enterprise, and then conduct loan review on the target enterprise.

[0036] Before proceeding with loan review, you will need to do the following:

[0037] In a feasible embodiment, second ticket chain information is obtained, and the second ticket chain information is used to characterize the supply chain bill transaction information in which the target enterprise indirectly participates within a first preset time; a supply chain system is constructed based on the second ticket chain information, and the supply chain system includes supply chain nodes corresponding to the two parties to the transaction of at least two supply chain bills, and there is an inter-node value between adjacent supply chain nodes, and the inter-node value is the transaction amount between adjacent supply chain nodes; the inter-node value of the supply chain system is input into the inter-node value prediction model to obtain the predicted inter-node value of the target enterprise; the actual inter-node value of the target enterprise is determined based on the first ticket chain information; before determining the loan review result of the target enterprise based on the matching degree of the loan amount and the first ticket chain information, the method also includes: determining that the difference between the predicted inter-node value and the actual inter-node value is less than a second preset difference.

[0038] Among them, the difference between the first bill chain information and the second bill chain information lies in whether the target enterprise directly participates in the bill transaction information or indirectly participates in the bill transaction information in the supply chain. For example, if a supply chain is divided into upstream enterprises, midstream enterprises and downstream enterprises, and its transaction relationship is that upstream enterprises trade with midstream enterprises, and midstream enterprises trade with downstream enterprises, if the target enterprise is an upstream enterprise, then the bill transaction information between the target enterprise and the midstream enterprise is the bill transaction information that the target enterprise directly participates in in the supply chain, and the bill transaction information between the midstream enterprise and the downstream enterprise is the bill transaction information that the target enterprise indirectly participates in in the supply chain. The above examples are for the convenience of explaining the embodiments of this application and should not limit the solution of this application.

[0039] The supply chain system formed according to the second ticket chain information may be:

[0040] See also Figure 3 , Figure 3 A schematic diagram of the structure of a supply chain system provided in an embodiment of the present application is shown in FIG. Figure 3 As shown, the supply chain system includes at least two supply chain nodes corresponding to the two parties of the supply chain bill transaction. The supply chain system in the figure includes four supply chain nodes, namely node 1, node 2, node 3 and node 4. Since the supply chain system is a supply chain system composed of the second bill chain information, the supply chain nodes corresponding to the second bill chain information do not include the supply chain node where the target enterprise is located, that is, Figure 3The four supply chain nodes, Node 1, Node 2, Node 3, and Node 4, do not include the supply chain node where the target enterprise is located. For example, the supply chain system is divided into five supply chain nodes: raw material supplier, supplier, manufacturer, distribution enterprise, and sales enterprise. If the supply chain node where the target enterprise is located is the raw material supplier, then the other enterprises in the supply chain system except the target enterprise, namely the supplier, manufacturer, distribution enterprise, and sales enterprise, should correspond to the four supply chain nodes, Node 1, Node 2, Node 3, and Node 4, respectively. The above examples are for the convenience of illustrating the embodiments of the present application and should not limit the solution of the present application.

[0041] In addition, there are inter-node values a, b, and c between the four supply chain nodes. The inter-node values are the transaction amounts between the adjacent nodes of these four supply chain nodes, that is, the transaction amounts between node 1 and node 2, between node 2 and node 3, and between node 3 and node 4.

[0042] After the supply chain system is constructed, since the target enterprise's supply chain node is not included in the aforementioned supply chain system, the inter-node values between the target enterprise's supply chain node and its adjacent supply chain nodes are also not included. In this case, the inter-node value prediction model can be used to predict the inter-node value corresponding to the target enterprise's supply chain node. Specifically, the inter-node value in the supply chain system created based on the target enterprise's second ticket chain information is input into the inter-node value prediction model to obtain the predicted inter-node value corresponding to the target enterprise. This predicted inter-node value is the possible inter-node value when the supply chain system is created based on the target enterprise's first ticket chain information, inferred based on the target enterprise's historical operating conditions.

[0043] Before using the inter-node value prediction model to predict inter-node value inference, the inter-node value prediction model can be trained first. The training process of the inter-node value prediction model is mainly: establishing an initial machine learning model, inputting the inter-node values in the supply chain system constructed by the historical second ticket chain information of the target enterprise before the first preset time into the machine learning model for repeated model training until the training completion condition is met. The training completion condition can be that the difference between the predicted inter-node value output after model inference and the actual inter-node value is less than a preset threshold. The actual inter-node value here refers to the inter-node value corresponding to the historical first ticket chain information at the same time as the historical second ticket chain information.

[0044] After obtaining the predicted inter-node value, the predicted inter-node value is compared with the actual inter-node value (the actual inter-node value here is the inter-node value corresponding to the first ticket chain information after the supply chain system is created). If the difference between the predicted inter-node value and the actual inter-node value is too large, there may be a possibility that the first ticket chain information provided by the target enterprise cannot accurately represent the financial status of the target enterprise (for example, deliberately providing ticket chain information for a time period with better sales), resulting in inaccurate loan review results. Therefore, before performing the operation shown in step 202, it should be determined whether the difference between the predicted inter-node value and the actual inter-node value is less than the second preset difference. If the difference between the predicted inter-node value and the actual inter-node value is less than the second preset difference, continue to perform the operation shown in step 202. If the difference between the predicted inter-node value and the actual inter-node value is not less than the second preset difference, further judgment is required.

[0045] In a feasible embodiment, if it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, the following judgment is also required: if the target enterprise is a core enterprise in the supply chain, the loan review result of the target enterprise is determined based on the degree of matching between the loan amount and the first bill chain information, where the core enterprise is the enterprise with the largest bill transaction amount in the supply chain; if the target enterprise is not a core enterprise in the supply chain, the virtual first bill chain information is determined based on the predicted inter-node value, and the loan review result of the target enterprise is determined based on the degree of matching between the loan amount and the virtual first bill chain information.

[0046] A core enterprise is a decisive enterprise in a supply chain, represented here by the enterprise with the largest bill transaction volume in the supply chain. If the target enterprise is a core enterprise in the supply chain, indicating that the target enterprise plays a leading role in transactions within the supply chain, the representativeness of the first bill chain information provided by the target enterprise should not be determined by the results predicted by the inter-node values between supply chain nodes of other non-core enterprises. In this case, the operation shown in step 202 should still be performed.

[0047] If the target enterprise is not the core enterprise in the supply chain, then whether the first ticket chain information provided by the target enterprise is representative can be judged by the results predicted by the inter-node values between other supply chain nodes.

[0048] It should be noted that in the embodiment of the present application, if the first ticket chain information provided by the target enterprise is determined to be unrepresentative based on the model inference results, a loan review can also be conducted for the target enterprise based on the first ticket chain information of the target enterprise under normal circumstances inferred by the model. The review results obtained in this way can also provide a reference to a certain extent. Specifically, virtual first ticket chain information can be obtained by inference through predicted inter-node values, and the virtual first ticket chain information can be used to replace the first ticket chain information in step 202 for subsequent loan review operations.

[0049] Below through Figure 4 The above loan review pre-steps are summarized as follows:

[0050] See also Figure 4 , Figure 4 A flowchart of a loan review pre-step provided in an embodiment of the present application is shown as follows: Figure 4 As shown, first, it is judged whether the difference between the predicted node value and the actual node value of the target enterprise is less than the second preset difference. If the judgment result is yes, then according to step 202, "the loan review result of the target enterprise is determined according to the matching degree of the loan amount and the first ticket chain information". If the judgment result is no, then continue to judge whether the target enterprise is the core enterprise in the supply chain. If the judgment result is yes, then still according to step 202, "the loan review result of the target enterprise is determined according to the matching degree of the loan amount and the first ticket chain information". If the judgment result is no, then the first ticket chain information in step 202 is replaced with the virtual first ticket chain information for subsequent loan review operations, that is, the loan review result of the target enterprise is determined according to the matching degree of the loan amount and the virtual first ticket chain information.

[0051] In this embodiment of the present application, a further judgment is made on the target enterprise whose bill data is initially determined to be unhealthy. Specifically, the judgment is made as to whether the target enterprise is a core enterprise in the supply chain. If the target enterprise is a core enterprise in the supply chain, its bill data is determined to be healthy. If the target enterprise is not a core enterprise in the supply chain, its bill data is determined to be unhealthy, and the loan review is performed using virtual first bill chain information instead of the first bill chain information. In this way, the probability of misjudging the target enterprise's bill data as unhealthy can be reduced.

[0052] The following is a detailed description of step 202 "determining the loan review result of the target enterprise based on the matching degree between the loan amount and the first ticket chain information":

[0053] In a feasible embodiment, when the difference between the predicted inter-node value and the actual inter-node value is less than a second preset difference, the transaction amount of at least one supply chain bill included in the first bill chain information is obtained; the first transaction amount and the second transaction amount are determined based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; a first ratio of the second transaction amount to the first transaction amount is determined; if the first ratio is greater than the first preset ratio, and the second transaction amount is greater than the first preset threshold, the loan review result is determined to be passed; if the first ratio is greater than the first preset ratio, and the second transaction amount is not greater than the first preset threshold, the loan review result is determined to be passed, and the loanable amount of the target enterprise is provided, and the loanable amount is less than the loan amount; if the first ratio is not greater than the first preset ratio, the loan review result is determined to be failed.

[0054] Please refer to Table 1, which is a loan review comparison table 1 provided in the embodiment of this application. Table 1 is as follows:

[0055] Table 1

[0056]

[0057] Among them, the establishment of the first preset ratio and the first preset threshold can be established after considering the current supply chain environment and the loan amount. Combined with Table 1, if the first ratio is greater than the first preset ratio, and the second transaction amount is greater than the first preset threshold, for example, the first preset ratio is 10, and the first preset threshold is 500,000, it means that the gross profit rate of the target enterprise has reached (second transaction amount - first transaction amount) / first transaction amount = 9 times or more, and the total income amount has reached a scale of more than 500,000, which fully shows that the revenue status of the target enterprise reflected by the first ticket chain information is at a good level, then the loan review result can be determined to be passed; if the first ratio is greater than the first preset ratio, and the second transaction amount is not greater than the first preset threshold, it means that although the gross profit rate of the target enterprise has reached more than 9 times, But the overall scale is not large, that is, the revenue status of the target enterprise reflected by the first ticket chain information is at a qualified level. At this time, the loan review result can be determined to be passed, but considering that the revenue status of the target enterprise is not very good, the loan amount will be lowered, which should be less than the loan amount submitted by the target enterprise. The relationship between the loan amount and the loan amount is that the greater the difference between the second transaction amount and the first preset threshold, the greater the difference between the loan amount and the loan amount; if the first ratio is not greater than the first preset ratio, it means that the revenue status of the target enterprise reflected by the first ticket chain information is at an unqualified level and no loan can be provided to it.

[0058] In an embodiment of the present application, the transaction amount of at least one supply chain bill included in the first bill chain information is obtained, and the first transaction amount and the second transaction amount are determined based on the transaction amount. The loan review result is obtained by comparing the ratio of the first transaction amount and the second transaction amount with a first preset ratio, and then comparing the second transaction amount with a first preset threshold. In this way, the loan review result can be made more accurate by comparing the first ratio and the second transaction amount.

[0059] In a feasible embodiment, in addition to the above embodiment, the transaction amount of at least one supply chain bill included in the first bill chain information can also be obtained; the first transaction amount and the second transaction amount are determined based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; the first difference between the second transaction amount and the first transaction amount is determined; if the first difference is greater than the first preset difference, the loan review result is determined to be passed; if the first difference is not greater than the first preset difference, the loan review result is determined to be failed.

[0060] Please refer to Table 2, which is a loan review comparison table 2 provided in the embodiment of this application. Table 2 is as follows:

[0061] Table 2

[0062] Loan review conditions Loan review results First difference>first preset difference Pass loan review First difference ≤ first preset difference Failed loan review

[0063] Combined with Table 2, the revenue status of the target enterprise is determined by the first difference between the second transaction amount and the first transaction amount. Assuming that the first difference is 1 million, when the first difference is greater than the first preset difference, it means that the revenue of the target enterprise is more than 1 million more than the expenditure. It can be basically determined that the gross profit of the target enterprise is more than 1 million, the operating status is good, and the loan review result is passed. When the first difference is not greater than the first threshold difference, it means that the revenue status of the target enterprise is unqualified and the loan review result is failed.

[0064] In an embodiment of the present application, the transaction amount of at least one supply chain bill included in the first bill chain information is obtained, and a first transaction amount and a second transaction amount are determined based on the transaction amount. A first difference is determined between the second transaction amount and the first transaction amount, and the first difference is compared with a first preset difference to obtain a loan review result. In this way, the revenue status of the target enterprise can be determined by comparing the first difference with the first preset difference, and the loan review result can be obtained quickly and accurately.

[0065] The step of "determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the virtual first ticket chain information" can be represented by replacing the first ticket chain information in the above step 202 with the virtual first ticket chain information. Therefore, no further discussion will be given here.

[0066] In a feasible embodiment, after determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the virtual first bill chain information, obtain the transaction amount of at least one supply chain bill included in the first bill chain information; determine the first transaction amount and the second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the seller; determine a first difference between the second transaction amount and the first transaction amount; obtain the transaction amount of at least one virtual supply chain bill included in the virtual first bill chain information; determine the third transaction amount and the fourth transaction amount based on the bill transaction amount of at least one virtual supply chain, wherein the third transaction amount is the sum of the transaction amounts of the virtual supply chain bills of which the target enterprise is the buyer, and the fourth transaction amount is the sum of the transaction amounts of the virtual supply chain bills of which the target enterprise is the seller; determine a second difference between the fourth transaction amount and the third transaction amount; if the loan review result is that the loan review is passed, determine a second ratio of the second difference to the first difference, and calculate the second ratio with the loan amount to obtain the loanable amount of the target enterprise.

[0067] For target enterprises whose loans are reviewed based on virtual first-chain information, since the review is not based on the first-chain information submitted by the target enterprise itself, in most cases, the loan amount the target enterprise seeks will not be the actual loan amount it can obtain under its own circumstances. The actual loan amount can be roughly determined based on the ratio between the virtual first-chain information and the first-chain information. The formula for calculating the target enterprise's loanable amount is: f(x) = D*(fg) / (de), where f(x) is the loanable amount, D is the loan amount, d is the second transaction amount, e is the first transaction amount, f is the fourth transaction amount, and g is the third transaction amount. In this formula, (de) represents the target enterprise's gross profit as shown in the first-chain information, and (fg) represents the target enterprise's gross profit as shown in the virtual first-chain information. In most cases, the target enterprise's gross profit should be directly proportional to the loan amount. Therefore, the actual loan amount the target enterprise can obtain can be determined by multiplying the ratio between the gross profit corresponding to the target enterprise's first-chain information and the virtual first-chain information by the loan amount D.

[0068] In an embodiment of the present application, the first difference is determined by the first ticket chain information, and the second difference is determined by the virtual first ticket chain information. Finally, the loan amount of the target enterprise is determined by the second difference, the first difference and the loan amount. In this way, the virtual first ticket chain information is reasonably utilized to accurately obtain the loan amount of the target enterprise.

[0069] In a feasible embodiment, after determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the first ticket chain information, if the loan review result is passed, determine that the supply chain system obtained according to the second ticket chain information is the first supply chain system, obtain the first inter-node value corresponding to the first supply chain system, and the first inter-node value is the sum of all inter-node values in the supply chain system at the first time; obtain the third ticket chain information, and the third ticket chain information is the supply chain bill transaction information in which the target enterprise indirectly participates within the second preset time; generate the second supply chain system based on the third ticket chain information, obtain the second inter-node value corresponding to the second supply chain system, and the second inter-node value is the sum of all inter-node values in the supply chain system at the second time; if the difference between the first inter-node value and the second inter-node value is greater than the third preset difference, the loan to the target enterprise is terminated.

[0070] Among them, after passing the loan review, there is still a risk that the target enterprise cannot repay the loan. At this time, the target enterprise still needs to be monitored. The monitoring of the target enterprise can be carried out by monitoring the transaction amount of the target enterprise in the supply chain. The transaction amount in the supply chain can be represented by the node values contained in the above supply chain system. When serious problems are found in the transaction amount in the supply chain, it means that the operating status of the target enterprise is not stable and may affect the repayment behavior. At this time, the loan activity of the target enterprise needs to be suspended until the target enterprise proves that there is no problem with its operating conditions or that although there are problems with its operating conditions, it will not affect the repayment behavior.

[0071] In this embodiment of the application, by monitoring the overall transaction amount of the target enterprise's supply chain, if a serious problem is found in the overall transaction amount of the target enterprise's supply chain, the target enterprise's loan behavior is suspended. In this way, the target enterprise's funds can be monitored efficiently and any funding problems of the target enterprise can be discovered in a timely and accurate manner.

[0072] It can be seen that in the embodiment of the present application, the target enterprise's loan information is obtained, and the loan information includes the loan amount and the first bill chain information. The first bill chain information is used to represent the supply chain bill transaction information in which the target enterprise directly participates within the first preset time; the target enterprise's loan review result is determined based on the degree of match between the loan amount and the first bill chain information. The loan review result includes passing the loan review and failing the loan review. Using the above method, the credit status and revenue status of the target enterprise can be accurately reflected by combining the bill chain information and the loan amount, and the loan review result can be obtained based on the credit status and revenue status of the enterprise.

[0073] With the above Figures 1 to 4 For the corresponding embodiments, please refer to Figure 5 , Figure 5 A schematic diagram of the structure of a corporate credit management device 500 provided in an embodiment of the present application is shown as follows: Figure 5 shown, including:

[0074] An acquisition unit 501 is configured to acquire loan information of a target enterprise, including a loan amount and first bill chain information. The first bill chain information is used to represent supply chain bill transaction information in which the target enterprise directly participates.

[0075] The determination unit 502 is used to determine the loan review result of the target enterprise according to the matching degree between the loan amount and the first ticket chain information. The loan review result includes passing the loan review and failing the loan review.

[0076] As can be seen, in the embodiment of the present application, the acquisition unit 501 is used to obtain the target enterprise's loan information, which includes the loan amount and the first bill chain information. The first bill chain information is used to represent the supply chain bill transaction information in which the target enterprise directly participates; the determination unit 502 is used to determine the target enterprise's loan review result based on the degree of matching between the loan amount and the first bill chain information. The loan review result includes passing the loan review and failing the loan review. Using the above device, the credit status and revenue status of the target enterprise can be accurately reflected by combining the bill chain information and the loan amount, and the loan review result can be obtained based on the credit status and revenue status of the enterprise.

[0077] In a feasible embodiment, the determining unit 502 is further configured to:

[0078] Obtain the transaction amount of at least one supply chain bill included in the first bill chain information; determine a first transaction amount and a second transaction amount based on the transaction amount of at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the purchaser, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; determine a first ratio of the second transaction amount to the first transaction amount; if the first ratio is greater than a first preset ratio, and the second transaction amount is greater than a first preset threshold, determine that the loan review result is passed; if the first ratio is greater than the first preset ratio, and the second transaction amount is not greater than the first preset threshold, determine that the loan review result is passed, and provide the target enterprise's loanable amount, and the loanable amount is less than the loan amount; if the first ratio is not greater than the first preset ratio, determine that the loan review result is failed.

[0079] In a feasible embodiment, the determining unit 502 is further configured to:

[0080] Obtain the transaction amount of at least one supply chain bill included in the first bill chain information; determine a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of which the target enterprise is the seller; determine a first difference between the second transaction amount and the first transaction amount; if the first difference is greater than a first preset difference, determine that the loan review result is passed; if the first difference is not greater than the first preset difference, determine that the loan review result is failed.

[0081] In a feasible embodiment, second ticket chain information is obtained, and the second ticket chain information is used to characterize the supply chain bill transaction information in which the target enterprise indirectly participates within a first preset time; a supply chain system is constructed based on the second ticket chain information, and the supply chain system includes supply chain nodes corresponding to the transaction parties of at least two supply chain bills, and there is an inter-node value between adjacent supply chain nodes, and the inter-node value is the transaction amount between adjacent supply chain nodes; the inter-node value of the supply chain system is input into the inter-node value prediction model to obtain the predicted inter-node value of the target enterprise; the actual inter-node value of the target enterprise is determined based on the first ticket chain information; before determining the loan review result of the target enterprise based on the matching degree of the loan amount and the first ticket chain information, the method also includes: determining that the difference between the predicted inter-node value and the actual inter-node value is less than a second preset difference.

[0082] In a feasible embodiment, if it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than the second preset difference, the determining unit 502 is further configured to:

[0083] If the target enterprise is a core enterprise in the supply chain, the loan review result of the target enterprise will be determined based on the degree of matching between the loan amount and the first bill chain information, where the core enterprise is the enterprise with the largest bill transaction amount in the supply chain; if the target enterprise is not a core enterprise in the supply chain, the virtual first bill chain information will be determined based on the predicted inter-node value, and the loan review result of the target enterprise will be determined based on the degree of matching between the loan amount and the virtual first bill chain information.

[0084] In a feasible embodiment, the transaction amount of at least one supply chain bill included in the first bill chain information is obtained; the first transaction amount and the second transaction amount are determined based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the purchaser, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; a first difference between the second transaction amount and the first transaction amount is determined; the transaction amount of at least one virtual supply chain bill included in the virtual first bill chain information is obtained; the third transaction amount and the fourth transaction amount are determined based on the bill transaction amount of at least one virtual supply chain, wherein the third transaction amount is the sum of the transaction amounts of the virtual supply chain bills of the target enterprise as the purchaser, and the fourth transaction amount is the sum of the transaction amounts of the virtual supply chain bills of the target enterprise as the seller; a second difference between the fourth transaction amount and the third transaction amount is determined; if the loan review result is that the loan review is passed, a second ratio of the second difference to the first difference is determined, and the second ratio is calculated with the loan amount to obtain the loanable amount of the target enterprise.

[0085] In a feasible embodiment, if the loan review result is that the loan review is passed, the supply chain system obtained according to the second ticket chain information is determined to be the first supply chain system, and the first inter-node value corresponding to the first supply chain system is obtained, and the first inter-node value is the sum of all inter-node values in the supply chain system at the first time; the third ticket chain information is obtained, and the third ticket chain information is the supply chain bill transaction information in which the target enterprise indirectly participates within the second preset time; the second supply chain system is generated according to the third ticket chain information, and the second inter-node value corresponding to the second supply chain system is obtained, and the second inter-node value is the sum of all inter-node values in the supply chain system at the second time; if the difference between the first inter-node value and the second inter-node value is greater than the third preset difference, the loan to the target enterprise is terminated.

[0086] With the above Figures 1 to 4 For the corresponding embodiments, please refer to Figure 6 , Figure 6 is a structural diagram of an electronic device 600 provided in an embodiment of the present application, such as Figure 6 As shown: the device includes a processor, a memory, and a communication interface, and the processor, the memory, and the communication interface are interconnected and complete communication work between each other;

[0087] The memory stores executable program code, and the communication interface is used for wireless communication;

[0088] The processor is used to retrieve the executable program code stored in the memory and execute part or all of the steps of any one of the corporate credit management methods described in the above method embodiments. The above computer includes an electronic terminal device.

[0089] The memory may be a volatile memory such as a dynamic random access memory (DRAM) or a non-volatile memory such as a mechanical hard disk. The memory is used to store a set of executable program codes, and the processor is used to call the executable program codes stored in the memory and perform the following operations:

[0090] Obtain the target enterprise's loan information, which includes the loan amount and the first bill chain information. The first bill chain information is used to represent the supply chain bill transaction information in which the target enterprise directly participates within the first preset time; determine the target enterprise's loan review result based on the degree of matching between the loan amount and the first bill chain information. The loan review result includes passing the loan review or failing the loan review.

[0091] In a feasible embodiment, the above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program codes stored in the memory, which are used to: obtain the transaction amount of at least one supply chain bill included in the first bill chain information; determine the first transaction amount and the second transaction amount based on the transaction amount of at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; determine a first ratio between the second transaction amount and the first transaction amount; if the first ratio is greater than the first preset ratio, and the second transaction amount is greater than the first preset threshold, then determine that the loan review result is passed; if the first ratio is greater than the first preset ratio, and the second transaction amount is not greater than the first preset threshold, then determine that the loan review result is passed, and provide the target enterprise's loanable amount, and the loanable amount is less than the loan amount; if the first ratio is not greater than the first preset ratio, then determine that the loan review result is failed.

[0092] In a feasible embodiment, the above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program codes stored in the memory, which are used to: obtain the transaction amount of at least one supply chain bill included in the first bill chain information; determine the first transaction amount and the second transaction amount based on the transaction amount of at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; determine a first difference between the second transaction amount and the first transaction amount; if the first difference is greater than the first preset difference, determine that the loan review result is passed; if the first difference is not greater than the first preset difference, determine that the loan review result is failed.

[0093] In a feasible embodiment, the above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program codes stored in the memory, and is used to: obtain second ticket chain information, the second ticket chain information is used to characterize the supply chain bill transaction information in which the target enterprise indirectly participates within a first preset time; construct a supply chain system based on the second ticket chain information, the supply chain system includes at least two supply chain nodes corresponding to the two parties of the transaction of the supply chain bill, there is an inter-node value between adjacent supply chain nodes, and the inter-node value is the transaction amount between the adjacent supply chain nodes; input the inter-node value of the supply chain system into the inter-node value prediction model to obtain the predicted inter-node value of the target enterprise; determine the actual inter-node value of the target enterprise based on the first ticket chain information; before determining the loan review result of the target enterprise based on the matching degree of the loan amount and the first ticket chain information, the method also includes: determining that the difference between the predicted inter-node value and the actual inter-node value is less than the second preset difference.

[0094] In a feasible embodiment, if it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, the above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program code stored in the memory, which is used to: if the target enterprise is a core enterprise in the supply chain, determine the loan review result of the target enterprise based on the degree of matching between the loan amount and the first ticket chain information, wherein the core enterprise is the enterprise with the largest bill transaction amount in the supply chain; if the target enterprise is not a core enterprise in the supply chain, determine the virtual first ticket chain information based on the predicted inter-node value, and determine the loan review result of the target enterprise based on the degree of matching between the loan amount and the virtual first ticket chain information.

[0095] In a feasible embodiment, after determining the loan review result of the target enterprise based on the degree of matching between the loan amount and the virtual first bill chain information, the above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program codes stored in the memory, which are used to: obtain the transaction amount of at least one supply chain bill included in the first bill chain information; determine the first transaction amount and the second transaction amount based on the transaction amount of at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills of the target enterprise as the seller; determine the second transaction amount and a first difference between the second transaction amount and the first transaction amount; obtain the transaction amount of at least one virtual supply chain bill included in the virtual first bill chain information; determine the third transaction amount and the fourth transaction amount based on the bill transaction amount of at least one virtual supply chain, wherein the third transaction amount is the total transaction amount of the virtual supply chain bills of the target enterprise as the buyer, and the fourth transaction amount is the total transaction amount of the virtual supply chain bills of the target enterprise as the seller; determine the second difference between the fourth transaction amount and the third transaction amount; if the loan review result is that the loan review is passed, determine a second ratio of the second difference to the first difference, and calculate the second ratio with the loan amount to obtain the loanable amount of the target enterprise.

[0096] In a feasible embodiment, after determining the loan review result of the target enterprise based on the matching degree between the loan amount and the first ticket chain information, the above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program codes stored in the memory, which are used to: if the loan review result is that the loan review is passed, determine that the supply chain system obtained according to the second ticket chain information is the first supply chain system, obtain the first inter-node value corresponding to the first supply chain system, and the first inter-node value is the sum of all inter-node values in the supply chain system at the first time; obtain the third ticket chain information, and the third ticket chain information is the supply chain bill transaction information in which the target enterprise indirectly participates within the second preset time; generate the second supply chain system based on the third ticket chain information, obtain the second inter-node value corresponding to the second supply chain system, and the second inter-node value is the sum of all inter-node values in the supply chain system at the second time; if the difference between the first inter-node value and the second inter-node value is greater than the third preset difference, terminate the loan to the target enterprise.

[0097] An embodiment of the present application provides a computer-readable storage medium, wherein program data is stored in the computer-readable storage medium. When the program data is executed by a processor, the program data is used to execute part or all of the steps of any one of the corporate credit management methods recorded in the above method embodiments.

[0098] It should be noted that for the sake of simplicity, the method embodiments of any of the aforementioned corporate credit management methods are described as a series of actions. However, those skilled in the art should be aware that this application is not limited by the order of the actions described, as certain steps may be performed in a different order or simultaneously. Furthermore, those skilled in the art should also be aware that the embodiments described in this specification are preferred embodiments, and the actions involved are not necessarily required for this application.

[0099] Although the present application is described herein in conjunction with various embodiments, in the process of implementing the claimed application, those skilled in the art may understand and implement other variations of the disclosed embodiments by reviewing the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other components or steps, and "a" or "an" does not exclude a plurality of components or steps. The fact that certain measures are recited in different dependent claims does not mean that these measures cannot be combined to produce good results.

[0100] Those skilled in the art will appreciate that all or part of the steps in the various methods of any of the above-mentioned embodiments of the method for managing corporate credit can be completed by instructing related hardware through a program, and the program can be stored in a computer-readable memory, which may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0101] The above is a detailed introduction to the embodiments of the present application. Specific examples are used herein to illustrate the principles and implementation methods of the present application's method and device for managing corporate credit. The description of the above embodiments is only used to help understand the method and its core idea of the present application. At the same time, for those skilled in the art, based on the idea of the present application's method and device for managing corporate credit, there may be changes in the specific implementation methods and scope of application. In summary, the contents of this specification should not be understood as limiting the present application.

[0102] The present application is described with reference to the flowcharts and / or block diagrams of the methods, hardware products, and computer program products of the embodiments of the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0103] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0104] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The steps for the function specified in one or more boxes.

[0105] It can be understood that any product that is controlled or configured to execute the processing method of the flowchart described in the method embodiment of a corporate credit management method of this application, such as the terminal and computer program product in the above flowchart, falls within the scope of the related products described in this application.

[0106] Obviously, those skilled in the art may make various modifications and variations to the enterprise credit management method and apparatus provided herein without departing from the spirit and scope of this application. Thus, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application is intended to encompass such modifications and variations.

Claims

1. A method for managing corporate credit, characterized in that: The method comprises: Obtaining loan information of the target enterprise, the loan information including the loan amount and first bill chain information, the first bill chain information being used to represent supply chain bill transaction information directly participated in by the target enterprise within a first preset time period; Acquire second bill chain information, where the second bill chain information is used to represent supply chain bill transaction information in which the target enterprise indirectly participates within a first preset time period; A supply chain system is formed based on the second ticket chain information, the supply chain system including at least two supply chain nodes corresponding to the transaction parties of the supply chain ticket, and an inter-node value exists between adjacent supply chain nodes, the inter-node value being the transaction amount between the adjacent supply chain nodes; Inputting the inter-node value of the supply chain system into an inter-node value prediction model to obtain the predicted inter-node value of the target enterprise; Determine the actual inter-node value of the target enterprise based on the first ticket chain information; If it is determined that the difference between the predicted inter-node value and the actual inter-node value is less than a second preset difference, determining a loan review result for the target enterprise based on the degree of matching between the loan amount and the first ticket chain information, where the loan review result includes either passing the loan review or failing the loan review; If it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, and the target enterprise is a core enterprise in the supply chain, then determining a loan review result for the target enterprise based on the degree of matching between the loan amount and the first bill chain information, wherein the core enterprise is the enterprise with the largest bill transaction amount in the supply chain; If it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, and the target enterprise is not a core enterprise in the supply chain, determining virtual first ticket chain information based on the predicted inter-node value, and determining a loan review result for the target enterprise based on the degree of matching between the loan amount and the virtual first ticket chain information; Obtaining a transaction amount of at least one supply chain bill included in the first bill chain information; Determining a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the seller; determining a first difference between the second transaction amount and the first transaction amount; Obtaining a transaction amount of at least one virtual supply chain bill included in the virtual first bill chain information; Determining a third transaction amount and a fourth transaction amount based on the transaction amount of the at least one virtual supply chain bills, wherein the third transaction amount is the total transaction amount of the virtual supply chain bills for which the target enterprise is the buyer, and the fourth transaction amount is the total transaction amount of the virtual supply chain bills for which the target enterprise is the seller; determining a second difference between the fourth transaction amount and the third transaction amount; If the loan review result is passed, a second ratio of the second difference to the first difference is determined, and the second ratio is calculated with the loan amount to obtain the loan amount of the target enterprise.

2. The method according to claim 1, wherein The determining of the loan review result of the target enterprise according to the matching degree between the loan amount and the first ticket chain information includes: Obtaining a transaction amount of at least one supply chain bill included in the first bill chain information; Determining a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the seller; determining a first ratio of the second transaction amount to the first transaction amount; If the first ratio is greater than a first preset ratio, and the second transaction amount is greater than a first preset threshold, determining that the loan review result is passed; If the first ratio is greater than the first preset ratio, and the second transaction amount is not greater than the first preset threshold, the loan review result is determined to be passed, and the target enterprise's available loan amount is provided, and the available loan amount is less than the loan amount; If the first ratio is not greater than the first preset ratio, the loan review result is determined to be failure to pass the loan review.

3. The method according to claim 1, wherein The determining of the loan review result of the target enterprise according to the matching degree between the loan amount and the first ticket chain information includes: Obtaining a transaction amount of at least one supply chain bill included in the first bill chain information; Determining a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the seller; determining a first difference between the second transaction amount and the first transaction amount; If the first difference is greater than a first preset difference, determining that the loan review result is passed; If the first difference is not greater than the first preset difference, the loan review result is determined to be failure to pass the loan review.

4. The method according to claim 1, wherein After determining the loan review result of the target enterprise based on the matching degree between the loan amount and the first ticket chain information, the method further includes: If the loan review result is passed, determining that the supply chain system obtained according to the second ticket chain information is the first supply chain system, obtaining a first inter-node value corresponding to the first supply chain system, where the first inter-node value is the sum of all inter-node values in the supply chain system at the first time; Obtaining third ticket chain information, where the third ticket chain information is supply chain bill transaction information in which the target enterprise indirectly participates within a second preset time period; Generate a second supply chain system based on the third ticket chain information, and obtain a second inter-node value corresponding to the second supply chain system, where the second inter-node value is the sum of all inter-node values in the supply chain system at the second time; If the difference between the first inter-node value and the second inter-node value is greater than a third preset difference, the loan to the target enterprise is terminated.

5. A corporate credit management device, characterized in that: The device comprises: An acquisition unit, configured to acquire loan information of a target enterprise, wherein the loan information includes a loan amount and first bill chain information, wherein the first bill chain information is used to represent supply chain bill transaction information in which the target enterprise directly participates; Acquire second bill chain information, where the second bill chain information is used to represent supply chain bill transaction information in which the target enterprise indirectly participates within a first preset time period; A supply chain system is formed based on the second ticket chain information, the supply chain system including at least two supply chain nodes corresponding to the transaction parties of the supply chain ticket, and an inter-node value exists between adjacent supply chain nodes, the inter-node value being the transaction amount between the adjacent supply chain nodes; Inputting the inter-node value of the supply chain system into an inter-node value prediction model to obtain the predicted inter-node value of the target enterprise; Determine the actual inter-node value of the target enterprise based on the first ticket chain information; a determining unit, configured to determine, if it is determined that the difference between the predicted inter-node value and the actual inter-node value is less than a second preset difference, a loan review result for the target enterprise based on a degree of matching between the loan amount and the first ticket chain information, the loan review result including a pass or fail of the loan review; If it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, and the target enterprise is a core enterprise in the supply chain, then determining a loan review result for the target enterprise based on the degree of matching between the loan amount and the first bill chain information, wherein the core enterprise is the enterprise with the largest bill transaction amount in the supply chain; If it is determined that the difference between the predicted inter-node value and the actual inter-node value is not less than a second preset difference, and the target enterprise is not a core enterprise in the supply chain, determining virtual first ticket chain information based on the predicted inter-node value, and determining a loan review result for the target enterprise based on the degree of matching between the loan amount and the virtual first ticket chain information; Obtaining a transaction amount of at least one supply chain bill included in the first bill chain information; Determining a first transaction amount and a second transaction amount based on the transaction amount of the at least one supply chain bill, wherein the first transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the buyer, and the second transaction amount is the sum of the transaction amounts of the supply chain bills for which the target enterprise is the seller; determining a first difference between the second transaction amount and the first transaction amount; Obtaining a transaction amount of at least one virtual supply chain bill included in the virtual first bill chain information; Determining a third transaction amount and a fourth transaction amount based on the transaction amount of the at least one virtual supply chain bills, wherein the third transaction amount is the total transaction amount of the virtual supply chain bills for which the target enterprise is the buyer, and the fourth transaction amount is the total transaction amount of the virtual supply chain bills for which the target enterprise is the seller; determining a second difference between the fourth transaction amount and the third transaction amount; If the loan review result is passed, a second ratio of the second difference to the first difference is determined, and the second ratio is calculated with the loan amount to obtain the loan amount of the target enterprise.

6. An electronic device, characterized in that: The device comprises: A processor, a memory, and a communication interface, wherein the processor, the memory, and the communication interface are interconnected and perform communication work among each other; The memory stores executable program code, and the communication interface is used for wireless communication; The processor is used to call the executable program code stored in the memory and execute the method according to any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that A computer program for electronic data exchange is stored, wherein the computer program enables a computer to execute the method according to any one of claims 1 to 4.

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