Enterprise rating method and device, equipment, storage medium and program product
By obtaining industry type information of the companies to be rated and backtracking the indicator data during the base period of candidate rating, the problem of inaccurate rating scores caused by failure to timely publish indicator data is solved, and a more accurate enterprise rating is achieved.
Patent Information
- Application Number
- CN202411279701.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-12
- Publication Date
- 2024-12-20
AI Technical Summary
During the enterprise rating process, the failure to timely publish the indicator data results in inaccurate rating scores, and the existing technology is difficult to accurately reflect the actual operating conditions of the enterprise.
By obtaining the industry type information of the enterprises to be rated, determining the target rating model, and when the indicator data within the preset rating base period is not obtained, the indicator data within the candidate rating base period is backtracked, and the rating score is calculated based on the relationship information between the indicator data and the rating score. , and then determine the enterprise level.
Improve the accuracy of rating scores and enterprise ratings, ensuring that the calculation results are more in line with the actual situation of the enterprise.
Smart Images
Figure CN119168470A_ABST
Abstract
Description
Technical Field
[0001] The present application belongs to the field of data processing, and in particular, relates to a method, device, equipment, storage medium and program product for enterprise rating. Background Art
[0002] At present, rating models are usually used to automatically rate companies in batches. Rating models are a quantitative assessment tool for corporate credit ratings. Rating models usually include multiple rating indicators and rating standards corresponding to each rating indicator.
[0003] When actually using the rating model to rate an enterprise, it is necessary to capture the indicator data corresponding to the rating indicators within the current rating base period of the enterprise. However, when the enterprise fails to publish the indicator data in a timely manner, the rating score of the enterprise is usually calculated using the default indicator data. In this way, the default indicator data may be significantly different from the actual indicator data of the enterprise, resulting in inaccurate calculated rating scores. Summary of the invention
[0004] The embodiments of the present application provide a method, apparatus, device, storage medium and program product for enterprise rating, which can improve the accuracy of the calculated rating score.
[0005] In a first aspect, an embodiment of the present application provides a method for rating an enterprise, comprising:
[0006] Obtain industry type information of the company to be rated;
[0007] Determine the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, wherein the target rating model includes multiple rating indicators and relationship information between the indicator data corresponding to the rating indicators and the rating scores, and the rating base period is the statistical time range of the indicator data for rating the enterprise to be rated;
[0008] For each rating indicator, obtain the indicator data corresponding to the rating indicator within the preset rating base period;
[0009] In the case where the indicator data corresponding to the rating indicator in the preset rating base period is not obtained, obtaining the target indicator data corresponding to the rating indicator in the candidate rating base period, the candidate rating base period being the previous rating base period adjacent to the preset rating base period;
[0010] Determine the rating score corresponding to the target indicator data based on the relationship information between the indicator data and the rating score;
[0011] The enterprise grade of the enterprise to be rated is determined according to the rating score.
[0012] In a possible implementation, before determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, the method further includes:
[0013] In response to user input in the model configuration interface, a rating model corresponding to different industry type information is generated, wherein the input includes industry type information, rating indicators, and relationship information between rating indicators and rating scores.
[0014] In a possible implementation, generating rating models corresponding to different industry type information in response to user input in the model configuration interface includes:
[0015] In response to a first input of a user in the primary configuration interface, displaying a secondary configuration interface, wherein the first input includes industry type information input by the user;
[0016] In response to a second input of the user in the secondary configuration interface, a rating model corresponding to different industry types is generated, wherein the second input includes the rating indicator and relationship information between the rating indicator and the rating score.
[0017] In a possible implementation, determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated includes:
[0018] Searching the database for a target character string corresponding to the target rating model within the preset rating base period according to the industry type information of the enterprise to be rated;
[0019] Parsing the target character string to obtain the relationship information between the rating indicator and the rating score, the multiple rating indicators, and the storage location of the indicator data corresponding to each rating indicator;
[0020] For each rating indicator, obtaining indicator data corresponding to the rating indicator within a preset rating base period includes:
[0021] The indicator data within the preset rating base period is obtained according to the storage location.
[0022] In a possible implementation, the obtaining of indicator data corresponding to the rating indicator within the candidate rating base period includes:
[0023] Searching the database for a candidate character string corresponding to the target rating model within the candidate rating base period according to the industry type information of the enterprise to be rated;
[0024] Parsing the candidate character string to obtain the relationship information between the rating indicator within the candidate rating base period and the candidate rating score, the multiple rating indicators, and the storage location of the candidate indicator data corresponding to each rating indicator;
[0025] Acquire the candidate indicator data within the candidate rating base period according to the storage location of the candidate indicator data;
[0026] The candidate indicator data is used as the indicator data.
[0027] In a possible implementation, determining the enterprise grade of the enterprise to be rated according to the rating score includes:
[0028] The enterprise grade of the enterprise to be rated is determined according to the preset corresponding relationship between the rating score and the enterprise grade.
[0029] In a second aspect, an embodiment of the present application provides a device for enterprise rating, including:
[0030] The acquisition module is used to obtain the industry type information of the enterprise to be rated;
[0031] A determination module is used to determine a target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, wherein the target rating model includes multiple rating indicators and relationship information between indicator data corresponding to the rating indicators and rating scores, and the rating base period is a statistical time range for the indicator data for rating the enterprise to be rated;
[0032] The acquisition module is further used to acquire, for each rating indicator, indicator data corresponding to the rating indicator within a preset rating base period;
[0033] The acquisition module is further used to acquire target indicator data corresponding to the rating indicator in a candidate rating base period if the indicator data corresponding to the rating indicator in the preset rating base period is not acquired, and the candidate rating base period is a previous rating base period adjacent to the preset rating base period;
[0034] The determination module is further used to determine the rating score corresponding to the target indicator data based on the relationship information between the indicator data and the rating score;
[0035] The determination module is also used to determine the enterprise grade of the enterprise to be rated according to the rating score.
[0036] In a third aspect, an embodiment of the present application provides an electronic device, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for enterprise rating as described in any one of the first aspects is implemented.
[0037] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon, and when the computer program instructions are executed by a processor, the method for enterprise rating as described in any one of the first aspects is implemented.
[0038] In a fifth aspect, an embodiment of the present application provides a computer program product. When instructions in the computer program product are executed by a processor of an electronic device, the electronic device is enabled to perform the enterprise rating method as described in any one of the first aspects.
[0039] The method, apparatus, equipment, storage medium and program product for enterprise rating of the embodiment of the present application obtains the industry type information of the enterprise to be rated, determines the target rating model corresponding to the enterprise to be rated according to the industry type information of the enterprise to be rated, and then obtains the indicator data corresponding to the rating indicator of the enterprise to be rated according to the rating indicator corresponding to the target rating model. In the case where the indicator data corresponding to the rating indicator within the preset rating base period is not obtained, the indicator data corresponding to the rating indicator within the candidate rating base period is obtained. In this way, the obtained indicator data can accurately reflect the operating conditions of the enterprise to be rated. Then, the rating score is calculated using the obtained indicator data, and the enterprise grade of the enterprise to be rated is determined using the rating score. Since the obtained indicator data is the real indicator data of the enterprise to be rated, the calculated rating score is more in line with the actual situation of the enterprise to be rated, which improves the accuracy of the calculated rating score and enterprise grade. BRIEF DESCRIPTION OF THE DRAWINGS
[0040] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.
[0041] Figure 1 It is a flowchart of a method for enterprise rating provided by an embodiment of the present application;
[0042] Figure 2 It is a flowchart of a method for configuring a rating model provided by an embodiment of the present application;
[0043] Figure 3 It is a flowchart of another method for configuring a rating model provided by an embodiment of the present application;
[0044] Figure 4 It is a flowchart of a method for obtaining indicator data provided by an embodiment of the present application;
[0045] Figure 5 is an exemplary schematic diagram of a method for enterprise rating provided by an embodiment of the present application;
[0046] Figure 6 is a schematic diagram of the structure of an enterprise rating device provided by another embodiment of the present application;
[0047] Figure 7 It is a structural diagram of an electronic device provided by yet another embodiment of the present application. DETAILED DESCRIPTION
[0048] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.
[0049] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.
[0050] It should be noted that the acquisition, storage, use and processing of data in the embodiments of the present application are in compliance with the relevant provisions of national laws and regulations.
[0051] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.
[0052] At present, when rating an enterprise using a rating model, it is necessary to obtain the indicator data corresponding to the rating indicators in the current rating base period of the enterprise, and then calculate the indicator score of the corresponding rating indicator based on the obtained indicator data, and finally calculate the rating score of the enterprise by combining the indicator scores corresponding to each rating indicator. In the case that the enterprise fails to publish the indicator data in a timely manner, the rating score can usually be calculated in the following two ways:
[0053] Method 1: Determine the indicator data corresponding to the enterprise, calculate the indicator score corresponding to each indicator data, and use the median of the indicator score corresponding to each indicator data as the indicator score of the rating indicator with missing data to calculate the rating score of the enterprise. In this way, the indicator score corresponding to the indicator data with missing data may be significantly different from the actual indicator score of the enterprise, resulting in inaccurate calculated rating score.
[0054] Method 2: For rating indicators with missing data, obtain alternative indicators for the rating indicators, and then calculate the rating scores based on the indicator data of the alternative indicators.
[0055] Thus, compared with the preset rating indicators, the indicator data of the alternative indicators cannot accurately represent the actual operating conditions of the enterprise, resulting in inaccurate calculated rating scores.
[0056] In order to solve the problems in the prior art, embodiments of the present invention provide a method, apparatus, device, storage medium and program product for enterprise rating.
[0057] The following first introduces the enterprise rating method provided by the embodiment of the present invention.
[0058] Figure 1 FIG. 1 is a flow chart of a method for enterprise rating provided by an embodiment of the present invention. The method is applied to electronic devices such as Figure 1 As shown, the method may include the following steps:
[0059] S101. Obtain industry type information of the enterprise to be rated.
[0060] Among them, the industry type information is used to characterize the industry to which the enterprise to be rated belongs. For example, the industry may include insurance, banking, coal, non-ferrous metals, and construction.
[0061] S102. Determine the target rating model of the enterprise to be rated based on the industry type information of the enterprise to be rated.
[0062] The target rating model includes multiple rating indicators and relationship information between indicator data corresponding to the rating indicators and rating scores.
[0063] Specifically, the target rating model is used to calculate the rating score of the enterprise to be rated based on the indicator data corresponding to the rating indicator, and the rating score can be used to measure the credit rating of the enterprise to be rated. Through the quantitative assessment of the credit rating, it helps the enterprise to determine the subsequent transaction behavior of the enterprise to be rated based on the rating score.
[0064] The relationship information between the indicator data corresponding to the rating indicator and the rating score can be expressed in the form of a calculation formula. For example, rating score = A*10%+B*50%+C*40%, where A, B and C are the indicator data corresponding to the rating indicator.
[0065] It should be noted that rating indicators are indicators that can reflect the financial status or operating status of the company to be rated. For example, rating indicators can be net cash flow or total assets.
[0066] S103. For each rating indicator, obtain indicator data corresponding to the rating indicator within a preset rating base period.
[0067] The preset rating base period is set based on experience. The preset rating base period is the statistical time range of the indicator data for rating the rated enterprise. For example, the rating base period can be from January 1, 2022 to January 1, 2023.
[0068] S104. If the indicator data corresponding to the rating indicator within the preset rating base period is not obtained, the target indicator data corresponding to the rating indicator within the candidate rating base period is obtained.
[0069] Among them, the candidate rating base period is the previous rating base period adjacent to the preset rating base period.
[0070] It should be noted that the target rating model includes multiple rating indicators. For the rating indicators among the multiple rating indicators for which the indicator data within the preset rating base period has not been obtained, the indicator data of the previous rating base period of the rating indicator is traced back to obtain the target indicator data corresponding to the rating indicator within the candidate rating base period.
[0071] For example, the target rating model includes rating index 1, rating index 2 and rating index 3. The electronic device traverses rating index 1 to rating index 3, and respectively obtains the index data of rating index 1 within the preset rating base period, the index data of rating index 2 within the preset rating base period, and if the index data of rating index 3 within the preset rating base period is not obtained, the electronic device obtains the index data of rating index 3 within the candidate rating base period.
[0072] S105: Determine the rating score corresponding to the indicator data based on the relationship information between the indicator data and the rating score.
[0073] Among them, the electronic device obtains the indicator data and the score threshold interval corresponding to each rating indicator, determines the indicator score of the indicator data according to the score threshold interval in which the indicator data is located, and then comprehensively calculates the indicator scores corresponding to each rating indicator to obtain the rating score of the enterprise to be rated.
[0074] For example, the score threshold intervals corresponding to rating indicator 1 include [0,50] and [50,100], the indicator score corresponding to the score threshold interval [0,50] is 30, and the indicator score corresponding to [50,100] is 60. The electronic device determines that the score threshold interval of the indicator function corresponding to rating indicator 1 is [0,50], and determines that the indicator score corresponding to rating indicator 1 is 30.
[0075] S106. Determine the enterprise grade of the enterprise to be rated based on the rating score.
[0076] The above method is used to obtain the industry type information of the enterprise to be rated, and after determining the target rating model corresponding to the enterprise to be rated according to the industry type information of the enterprise to be rated, the indicator data corresponding to the rating indicator of the enterprise to be rated is obtained according to the rating indicator corresponding to the target rating model. In the case where the indicator data corresponding to the rating indicator within the preset rating base period is not obtained, the indicator data corresponding to the rating indicator within the candidate rating base period is obtained. In this way, the obtained indicator data can accurately reflect the operating conditions of the enterprise to be rated. Then, the rating score is calculated using the obtained indicator data, and the enterprise grade of the enterprise to be rated is determined using the rating score. Since the obtained indicator data is the real indicator data of the enterprise to be rated, the calculated rating score is more in line with the actual situation of the enterprise to be rated, which improves the accuracy of the calculated rating score and enterprise grade.
[0077] With respect to the above S102, determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, the corresponding rating models can be pre-configured for different industry types. Specifically, before the above S102, determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, the method further includes:
[0078] In response to the user's input in the model configuration interface, a rating model corresponding to different industry type information is generated.
[0079] The input includes industry type information, rating indicators, and the relationship between rating indicators and rating scores.
[0080] In this way, users can configure different model parameters for different industry types in the model configuration interface, thereby obtaining different rating models corresponding to different industries. On this basis, it is convenient to use the rating model corresponding to each industry to rate the rated enterprises in the future, ensuring the accuracy of the rating results.
[0081] Specifically, the above model configuration interface includes a primary configuration interface and a secondary configuration interface, wherein the primary configuration interface is used to determine industry type information, and the secondary configuration interface is used to configure rating indicators and the relationship information between rating indicators and rating scores. Figure 2As shown, the above response to the user's input in the model configuration interface generates rating models corresponding to different industry type information, which can be specifically implemented as follows:
[0082] S201. In response to a first input of a user in a primary configuration interface, display a secondary configuration interface.
[0083] The first input includes industry type information input by the user.
[0084] In a first implementation, the first-level configuration interface includes a set of industry type information, and the user can select from the set of industry type information.
[0085] In the second implementation, the user can directly enter the industry type information in the first-level configuration interface.
[0086] S201. In response to a second input from a user in a secondary configuration interface, generating rating models corresponding to different industry types.
[0087] The second input includes rating indicators and information on the relationship between rating indicators and rating scores. For the first implementation, when the user selects specific industry type information from the set of industry type information, the electronic device can search for a secondary configuration interface of a rating model template corresponding to the industry type information based on the corresponding relationship between the industry type information and the rating model template.
[0088] With respect to the second implementation method described above, after the user inputs industry type information in the primary configuration interface, the electronic device may obtain rating indicators of enterprises related to the industry type information and display the rating indicators in the secondary configuration interface.
[0089] It should be noted that the secondary configuration interface generated by the above method includes a preset rating indicator set, and the user can select a corresponding rating indicator from the preset rating indicator set, so that the electronic device builds a rating model according to the rating indicator selected by the user. Alternatively, the secondary configuration interface may also include a configuration area, and the user can enter the rating indicator in the configuration area according to actual business needs.
[0090] By adopting the method provided in the embodiment of the present application, in response to the industry type information input by the user in the primary configuration interface, the electronic device can obtain the secondary configuration interface corresponding to the industry type information, wherein the secondary configuration interface includes the rating indicators corresponding to the enterprises in the industry. That is, different industry type information corresponds to different secondary configuration interfaces. In this way, the user can configure the rating indicators for the rating model of the industry in the secondary configuration interface corresponding to the industry type information, which can improve the configuration efficiency.
[0091] It should be noted that after the user completes the configuration of the rating model, the electronic device can store the configured rating model in a database. The database stores the relationship information between the rating index and the rating score. Figure 3 As shown, the above S102, determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, can be specifically implemented as follows:
[0092] S1021. Search the database for a target character string corresponding to a target rating model within a preset rating base period according to the industry type information of the enterprise to be rated.
[0093] It should be noted that after the user completes the configuration of different rating models in the model configuration interface, the electronic device stores the rating model corresponding to each enterprise in the database in the form of a character string.
[0094] By traversing the database, the electronic device can implement batch operations on various enterprises using the rating model in the database, and simultaneously calculate the rating scores corresponding to multiple enterprises and determine the enterprise level corresponding to each enterprise.
[0095] Specifically, the electronic device uses the industry type information, the information of the enterprise to be rated and the preset rating base period as query conditions, and searches the database for a target character string corresponding to the target rating model corresponding to the enterprise to be rated.
[0096] S1022. Parse the target character string to obtain the relationship information between the rating indicator and the rating score, multiple rating indicators, and the storage location of the indicator data corresponding to each rating indicator.
[0097] For example, the target string is (Init00045+Init00046) / Init00047*100. After parsing the target string, Init00045 represents the net cash flow from operating activities, Init00046 represents the net cash flow from investment activities, and Init00047 represents the total assets. The parsed expression is (field1+field2) / field3*100, where field1 represents the storage location of the net cash flow from operating activities in the database, field2 represents the storage location of the net cash flow from investment activities in the database, and Init00047 represents the storage location of the total assets in the database.
[0098] Accordingly, the above S103, for each rating indicator, obtaining the indicator data corresponding to the rating indicator within the preset rating base period, can be implemented as follows:
[0099] Obtain indicator data within the preset rating base period according to the storage location.
[0100] By adopting the method provided in the embodiment of the present application, the electronic device can search for the target character string corresponding to the target rating model in the database according to the preset rating base period and industry type information, and then after parsing the target character string, the relationship information between the rating indicator and the rating score, and the storage location of the indicator data corresponding to the rating indicator can be obtained. In this way, according to the target character string stored in the database, the storage location of the indicator data can be obtained, and then the indicator data can be obtained according to the storage location. By presetting the rating base period and industry type information, the final rating score can be queried and calculated through the target character string in the database, thereby improving the calculation efficiency.
[0101] In some embodiments of the present application, if the indicator data corresponding to the rating indicator in the preset rating base period is not obtained, the target indicator data in the candidate rating base period can also be obtained. Figure 4 As shown, the above S104, when the indicator data corresponding to the rating indicator in the preset rating base period is not obtained, the target indicator data corresponding to the rating indicator in the candidate rating base period is obtained, which can be specifically implemented as follows:
[0102] S1041. Search the database for a candidate character string corresponding to the target rating model within the candidate rating base period according to the industry type information of the enterprise to be rated.
[0103] S1042. Parse the candidate character string to obtain the relationship information between the rating indicators within the candidate rating base period and the candidate rating scores, multiple rating indicators, and the storage location of the candidate indicator data corresponding to each rating indicator.
[0104] S1043. Obtain candidate indicator data within the candidate rating base period according to the storage location of the candidate indicator data.
[0105] S1044. Use the candidate indicator data as indicator data.
[0106] Specifically, the method for searching for candidate indicator data is the same as the method for searching for indicator data corresponding to the target string described above, and will not be described in detail here.
[0107] By adopting the method provided in the embodiment of the present application, the electronic device can search the candidate string corresponding to the target rating model in the database according to the candidate rating base period and industry type information, and then after parsing the candidate string, the relationship information between the rating indicator and the rating score, and the storage location of the candidate indicator data corresponding to the rating indicator can be obtained. In this way, according to the candidate string stored in the database, the storage location of the candidate indicator data can be obtained, and then the candidate indicator data can be obtained according to the storage location. The final rating score can be obtained by querying and calculating the candidate string in the database through the candidate rating base period and industry type information, thereby improving the calculation efficiency. In addition, the candidate indicator data within the candidate rating base period is the real operating data of the enterprise to be rated, and the candidate rating base period is the previous rating base period adjacent to the preset rating base period, so it can reflect the real operating conditions of the enterprise to be rated to a certain extent, thereby ensuring the accuracy of the calculated rating score.
[0108] In some embodiments of the present application, based on the calculated rating score, the enterprise grade of the enterprise to be rated can be determined according to a preset correspondence between the rating score and the enterprise grade.
[0109] Specifically, each enterprise level corresponds to a rating score interval. Based on the calculated rating score, the electronic device determines the rating score interval in which the rating score is located, thereby determining the enterprise level corresponding to the enterprise to be rated. In this way, based on the calculated rating score, through quantitative evaluation of the enterprise to be rated, according to the preset correspondence between the rating score and the enterprise level, the enterprise level of the enterprise to be rated can be quickly determined.
[0110] The following combination Figure 5 A method for enterprise rating provided in an embodiment of the present application is introduced. Figure 5 As shown, the method specifically includes:
[0111] S501. Create rating indicators.
[0112] Specifically, the user can create a rating indicator through the model configuration interface. The specific method of creating a rating indicator is referred to the relevant description in the above embodiment, which will not be repeated here.
[0113] In one example, the rating indicators include financial indicators and operating indicators. Financial indicators are determined based on the balance sheet, income statement, cash flow statement, etc. of each enterprise disclosed by the enterprise or a third-party platform. Operating indicators are determined based on the detailed accounts of different industries. For example, the detailed accounts corresponding to the coal industry include proven coal reserves, mining volume, number of mines, etc.
[0114] S502. Determine the rating base period.
[0115] S503. Configure rating model.
[0116] Specifically, a calculation formula corresponding to the configuration rating model is the relationship information between the rating indicators and the rating scores. Different rating indicators correspond to different weights, and the sum of the weights corresponding to the rating indicators is 100%.
[0117] S504: Configure the indicator data score threshold.
[0118] The score threshold is the above-mentioned score threshold range.
[0119] S505: Configure rating score mapping.
[0120] The rating score mapping is the preset correspondence between the rating score and the enterprise grade. For example, if the rating score is 7, the rating score mapping interval of the rating score is [0,10], and the corresponding enterprise grade is CCC.
[0121] The above S501 to S505 are steps for the user to configure the rating model. The specific method of configuring the rating model refers to the relevant description in the above embodiment, which will not be repeated here.
[0122] S506. Label the enterprise.
[0123] Specifically, the electronic company can screen out the companies to be rated based on the companies described in the holding products or the rating whitelist, and then determine the rating model corresponding to each company to be rated based on the industry classification of the company to be rated.
[0124] S507. Mark the enterprises that need to trace back the historical data of the minimum rating base period when data is missing.
[0125] Among them, the historical data of the minimum rating base period is the indicator data corresponding to the rating indicators within the candidate rating base period obtained above, and data missing means that the electronic device has not obtained the indicator data corresponding to the rating indicators within the preset rating base period.
[0126] It is understandable that the above-mentioned enterprises that trace back the historical data of the minimum rating base period when data is missing are enterprises that have high requirements for the timeliness of rating scores, and need to be manually marked. For the above-mentioned marked enterprises to be rated, the enterprise rating method provided in the embodiment of the present application is adopted.
[0127] In addition, after the above user completes the configuration of the rating model, the rating model is stored in the database in the form of a character string.
[0128] S508. Calculate the rating scores of enterprises in batches.
[0129] Among them, the electronic device traverses the character strings in the database to obtain the character strings corresponding to each enterprise, and then parses the character strings to obtain the rating indicators corresponding to each enterprise, the relationship information between the rating indicators and the rating scores, and the storage location of the indicator data corresponding to each rating indicator, thereby completing the calculation of the rating scores.
[0130] Specifically, after obtaining the indicator data of each rating indicator in the rating model, the obtained indicator data is brought into the calculation formula corresponding to the above rating model, compiled using the aviator expression language, and the rating score corresponding to the enterprise to be rated is obtained.
[0131] In addition, for enterprises whose indicator data corresponding to the rating indicators within the preset rating base period are missing, the rating scores of the enterprises are recalculated each time the rating scores of each enterprise are batch calculated until the electronic device detects that the missing indicator data is updated. That is, the electronic device can obtain the indicator data of all the rating indicators of the enterprise within the latest rating base period, calculate the rating score of the enterprise, and obtain the enterprise level of the enterprise.
[0132] S509. Map the final enterprise level according to the enterprise score.
[0133] By adopting the method provided in the embodiment of the present application, for enterprises with high timeliness of rating scores, in each rating base period, for enterprises with missing data, the indicator data of a minimum rating base period is traced back, which minimizes the difference between the calculated rating score and the actual rating result of the enterprise, and the rating score is calculated using the indicator data within the candidate rating base period, thereby improving the accuracy of the calculated rating score. And by continuously updating and correcting the calculation results of the rating model, the rating score is calculated for the enterprises with missing indicator data within the preset rating base period in each rating base period, so as to obtain the most accurate rating score. In this way, more accurate rating scores of each enterprise can be obtained in a timely manner.
[0134] Based on the same concept, the present application embodiment provides a device for enterprise rating, such as Figure 6 As shown, the device comprises:
[0135] An acquisition module 601 is used to acquire industry type information of the enterprise to be rated;
[0136] A determination module 602 is used to determine a target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, wherein the target rating model includes multiple rating indicators and relationship information between indicator data corresponding to the rating indicators and rating scores;
[0137] The acquisition module 601 is further used to acquire, for each rating indicator, indicator data corresponding to the rating indicator within a preset rating base period, where the preset rating base period is a statistical time range for the indicator data of the rating of the enterprise to be rated;
[0138] The acquisition module 601 is further used to acquire target indicator data corresponding to the rating indicator in a candidate rating base period when the indicator data corresponding to the rating indicator in the preset rating base period is not acquired, and the candidate rating base period is a previous rating base period adjacent to the preset rating base period;
[0139] The determination module 602 is further configured to determine the rating score corresponding to the target indicator data based on the relationship information between the indicator data and the rating score;
[0140] The determination module 602 is further configured to determine the enterprise grade of the enterprise to be rated according to the rating score.
[0141] In a possible implementation, the device further includes:
[0142] A generation module is used to generate a rating model corresponding to different industry type information in response to the user's input in the model configuration interface, wherein the input includes industry type information, rating indicators, and relationship information between rating indicators and rating scores.
[0143] In a possible implementation, the generating module is specifically used for:
[0144] In response to a first input of a user in the primary configuration interface, displaying a secondary configuration interface, wherein the first input includes industry type information input by the user;
[0145] In response to a second input of the user in the secondary configuration interface, a rating model corresponding to different industry types is generated, wherein the second input includes the rating indicator and relationship information between the rating indicator and the rating score.
[0146] In a possible implementation, the determination module 602 is specifically configured to:
[0147] Searching the database for a target character string corresponding to the target rating model within the preset rating base period according to the industry type information of the enterprise to be rated;
[0148] Parsing the target character string to obtain the relationship information between the rating indicator and the rating score, the multiple rating indicators, and the storage location of the indicator data corresponding to each rating indicator;
[0149] For each rating indicator, obtaining indicator data corresponding to the rating indicator within a preset rating base period includes:
[0150] The indicator data within the preset rating base period is obtained according to the storage location.
[0151] In a possible implementation, the acquisition module 601 is specifically configured to:
[0152] Searching the database for a candidate character string corresponding to the target rating model within the candidate rating base period according to the industry type information of the enterprise to be rated;
[0153] Parsing the candidate character string to obtain the relationship information between the rating indicator within the candidate rating base period and the candidate rating score, the multiple rating indicators, and the storage location of the candidate indicator data corresponding to each rating indicator;
[0154] Acquire the candidate indicator data within the candidate rating base period according to the storage location of the candidate indicator data;
[0155] The candidate indicator data is used as the indicator data.
[0156] In a possible implementation, the determination module 602 is specifically configured to:
[0157] The enterprise grade of the enterprise to be rated is determined according to the preset corresponding relationship between the rating score and the enterprise grade.
[0158] The present application embodiment provides various modules of the enterprise rating device, which can achieve Figure 1 The functions of each step of the method for providing enterprise rating and achieving its corresponding technical effects are not described in detail here for the sake of brevity.
[0159] Figure 7 It is a structural schematic diagram of an electronic device provided in an embodiment of the present application.
[0160] The electronic device 700 may include a processor 701 and a memory 702 storing computer program instructions.
[0161] Specifically, the processor 701 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.
[0162] The memory 702 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 702 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In appropriate cases, the memory 702 may include a removable or non-removable (or fixed) medium. In appropriate cases, the memory 702 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 702 is a non-volatile solid-state memory.
[0163] In certain embodiments, the memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of the present application.
[0164] The processor 701 implements any one of the data transmission methods in the above embodiments by reading and executing computer program instructions stored in the memory 702 .
[0165] In some examples, the electronic device 700 may further include a communication interface 703 and a bus 704. Figure 7 As shown, the processor 701, the memory 702, and the communication interface 703 are connected via a bus 704 and communicate with each other.
[0166] The communication interface 703 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.
[0167] Bus 704 includes hardware, software or both, and the parts of electronic equipment are coupled to each other.For example, but not limitation, bus 704 may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 704 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.
[0168] Exemplarily, the electronic device 700 may be a mobile phone, a tablet computer, a laptop computer, a PDA, an in-vehicle electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA).
[0169] The electronic device 700 can execute the data transmission method in the embodiment of the present application, thereby realizing the combination Figure 1 and Figure 6 A method and apparatus for enterprise rating is described.
[0170] In addition, in combination with the enterprise rating method in the above embodiment, the embodiment of the present application also provides a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by the processor, any one of the data transmission methods in the above embodiment is implemented. Examples of computer-readable storage media include non-transitory computer-readable storage media, such as portable disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, etc.
[0171] An embodiment of the present application also provides a computer program product, which includes a computer program or instructions. When the computer program or instructions are executed by a processor, any one of the enterprise rating methods in the above embodiments is implemented.
[0172] It should be clear that the present application is not limited to the specific configuration and processing described above and shown in the figures. For the sake of simplicity, a detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application.
[0173] The functional blocks shown in the above block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.
[0174] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.
[0175] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.
[0176] The above are only specific implementation methods of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.
Claims
1. A method for enterprise rating, characterized in that: include: Obtain industry type information of the enterprise to be rated; Determine a target rating model for the enterprise to be rated based on the industry type information of the enterprise to be rated, wherein the target rating model includes multiple rating indicators and relationship information between indicator data corresponding to the rating indicators and rating scores; For each rating indicator, obtain the indicator data corresponding to the rating indicator within a preset rating base period, where the preset rating base period is the statistical time range for the indicator data of the rating of the enterprise to be rated; In the case where the indicator data corresponding to the rating indicator in the preset rating base period is not obtained, obtaining the target indicator data corresponding to the rating indicator in the candidate rating base period, the candidate rating base period being the previous rating base period adjacent to the preset rating base period; Determine the rating score corresponding to the target indicator data based on the relationship information between the indicator data and the rating score; The enterprise grade of the enterprise to be rated is determined according to the rating score.
2. The method according to claim 1, characterized in that: Before determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, the method further includes: In response to user input in the model configuration interface, a rating model corresponding to different industry type information is generated, wherein the input includes industry type information, rating indicators, and relationship information between rating indicators and rating scores.
3. The method according to claim 2, characterized in that The generating of rating models corresponding to different industry type information in response to user input in the model configuration interface includes: In response to a first input of a user in the primary configuration interface, displaying a secondary configuration interface, wherein the first input includes industry type information input by the user; In response to a second input of the user in the secondary configuration interface, a rating model corresponding to different industry types is generated, wherein the second input includes the rating indicator and relationship information between the rating indicator and the rating score.
4. The method according to claim 1, characterized in that: Determining the target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated includes: Searching the database for a target character string corresponding to the target rating model within the preset rating base period according to the industry type information of the enterprise to be rated; Parsing the target character string to obtain the relationship information between the rating indicator and the rating score, the multiple rating indicators, and the storage location of the indicator data corresponding to each rating indicator; For each rating indicator, obtaining indicator data corresponding to the rating indicator within a preset rating base period includes: The indicator data within the preset rating base period is obtained according to the storage location.
5. The method according to claim 1, characterized in that The obtaining of indicator data corresponding to the rating indicator within the candidate rating base period includes: Searching the database for a candidate character string corresponding to the target rating model within the candidate rating base period according to the industry type information of the enterprise to be rated; Parsing the candidate character string to obtain the relationship information between the rating indicator within the candidate rating base period and the candidate rating score, the multiple rating indicators, and the storage location of the candidate indicator data corresponding to each rating indicator; Acquire the candidate indicator data within the candidate rating base period according to the storage location of the candidate indicator data; The candidate indicator data is used as the indicator data.
6. The method according to claim 1, characterized in that Determining the enterprise grade of the enterprise to be rated according to the rating score includes: The enterprise grade of the enterprise to be rated is determined according to the preset corresponding relationship between the rating score and the enterprise grade.
7. A device for enterprise rating, characterized in that: include: The acquisition module is used to obtain the industry type information of the enterprise to be rated; A determination module, used to determine a target rating model of the enterprise to be rated according to the industry type information of the enterprise to be rated, wherein the target rating model includes a plurality of rating indicators and relationship information between indicator data corresponding to the rating indicators and rating scores; The acquisition module is further used to acquire, for each rating indicator, indicator data corresponding to the rating indicator within a preset rating base period, wherein the preset rating base period is a statistical time range for the indicator data for rating the enterprise to be rated; The acquisition module is further used to acquire target indicator data corresponding to the rating indicator in a candidate rating base period if the indicator data corresponding to the rating indicator in the preset rating base period is not acquired, and the candidate rating base period is a previous rating base period adjacent to the preset rating base period; The determination module is further used to determine the rating score corresponding to the target indicator data based on the relationship information between the indicator data and the rating score; The determination module is also used to determine the enterprise grade of the enterprise to be rated according to the rating score.
8. An electronic device, characterized in that: The device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for enterprise rating as described in any one of claims 1 to 6 is implemented.
9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the method for enterprise rating according to any one of claims 1 to 6 is implemented.
10. A computer program product, characterized in that When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device is enabled to execute the enterprise rating method as described in any one of claims 1-6.