Enterprise risk evaluation method and system and readable storage medium

Abstract

The invention provides an enterprise risk evaluation method and system and a readable storage medium, and relates to the technical field of risk identification, and the method comprises the following steps: obtaining information data of a to-be-evaluated enterprise through big data; classifying the information data, and processing the information data according to a classification result to obtain corresponding enterprise risk evaluation features; identifying the plurality of enterprise risk evaluation features to obtain a corresponding actual risk threshold; constructing an identification model, and inputting the plurality of enterprise risk evaluation features into the identification model for processing to obtain a comprehensive enterprise operation risk score; judging the risk degree of the to-be-evaluated enterprise according to the size relationship between the comprehensive enterprise operation risk score and an actual risk threshold value; according to the invention, the reliability of enterprise risk evaluation is improved, and the problem of incomplete evaluation is avoided.

Description

Technical Field

[0001] The present invention relates to the field of risk identification technology, and more specifically to an enterprise risk assessment method, system and readable storage medium. Background Art

[0002] At present, enterprise risk refers to various uncertain factors faced by enterprises that may affect the realization of their business objectives and the preservation of their interests, mainly including market risk, operational risk, credit risk, etc. Enterprise risk management is an important part of enterprise management. By identifying and analyzing enterprise risks, it helps to ensure the stable operation and development of enterprises.

[0003] However, existing risk assessments on enterprises usually only analyze the relevant data of the enterprise itself, that is, a conventional single-chain risk analysis, and do not combine the risks that may arise from the enterprises that cooperate with it in the enterprise's business activities. They are less reliable and cannot comprehensively and effectively characterize the risks that may exist in the enterprise's business activities.

[0004] Therefore, how to provide an enterprise risk assessment method that can solve the above problems is an issue that technical personnel in this field urgently need to solve. Summary of the invention

[0005] In view of this, the present invention provides an enterprise risk assessment method, system and readable storage medium, which improve the reliability of enterprise risk assessment and avoid the problem of incomplete assessment.

[0006] In order to achieve the above object, the present invention adopts the following technical solution:

[0007] A method for enterprise risk assessment comprises the following steps:

[0008] Obtain information data of the enterprise to be evaluated through big data;

[0009] Classifying the information data, processing according to the classification results, and obtaining corresponding enterprise risk assessment characteristics;

[0010] Identify multiple enterprise risk assessment features to obtain corresponding actual risk thresholds;

[0011] Constructing an identification model, inputting a plurality of the enterprise risk assessment features into the identification model for processing, and obtaining a comprehensive enterprise operation risk score;

[0012] The risk level of the enterprise to be evaluated is determined based on the relationship between the comprehensive enterprise operating risk score and the actual risk threshold.

[0013] Preferably, the information data includes: basic enterprise information, enterprise operation information, enterprise management information and cooperative enterprise information data.

[0014] Preferably, the specific process of obtaining the corresponding multiple enterprise risk assessment features includes:

[0015] The enterprise risk assessment characteristics include the enterprise's own risk assessment characteristics and the risk assessment characteristics of the cooperative enterprise;

[0016] Processing the basic information of the enterprise, the business information of the enterprise and the management information of the enterprise to obtain corresponding risk assessment characteristics of multiple enterprises themselves;

[0017] The cooperative enterprise information data is processed to obtain corresponding risk assessment features of multiple cooperative enterprises.

[0018] Preferably, the specific process of obtaining the corresponding actual risk threshold includes:

[0019] Performing cluster analysis on the risk assessment characteristics of the plurality of enterprises themselves and the risk assessment characteristics of the plurality of cooperative enterprises to obtain corresponding analysis results;

[0020] An analysis model is constructed, and the analysis results are input into the analysis model for processing to obtain a corresponding actual risk threshold.

[0021] Preferably, the specific process of obtaining the enterprise operation risk score includes:

[0022] Constructing an identification model, and inputting a plurality of the enterprise's own risk assessment features and a plurality of the cooperative enterprise's risk assessment features into the identification model for processing, to obtain corresponding cooperative enterprise operating risk scores and the enterprise's own operating risk scores;

[0023] The operating risk score of the cooperative enterprise and the operating risk score of the enterprise itself are weighted and integrated to obtain a comprehensive enterprise operating risk score.

[0024] Preferably, it also includes:

[0025] Adjustments are made to various aspects of the business activities of the enterprise to be evaluated based on the comprehensive business risk score.

[0026] Preferably, the specific process of obtaining multiple enterprise risk assessment features includes:

[0027] Constructing an enterprise risk assessment module, wherein the enterprise risk assessment module includes an enterprise assessment indicator system and an enterprise risk indicator association graph model;

[0028] Classifying the basic information of the enterprise, the business information of the enterprise and the management information of the enterprise according to the enterprise evaluation index system to obtain corresponding positive indicators and negative indicators of the enterprise;

[0029] Preprocessing the positive enterprise indicators and the negative enterprise indicators, and inputting the preprocessed positive enterprise indicators and the negative enterprise indicators into the enterprise risk indicator association graph model for expansion processing to obtain multiple enterprise risk indicators;

[0030] Feature extraction and weighting processing are performed on the plurality of enterprise risk indicators to obtain corresponding plurality of enterprise risk assessment features.

[0031] Preferably, the specific process of obtaining the risk assessment characteristics of multiple cooperative enterprises includes:

[0032] Constructing a cooperative enterprise risk indicator evaluation module, wherein the cooperative enterprise risk indicator evaluation module includes a cooperative enterprise risk indicator evaluation system and a cooperative enterprise risk indicator association map model;

[0033] Classifying the cooperative enterprise information data according to the cooperative enterprise risk indicator evaluation system to obtain corresponding cooperative enterprise positive indicators and cooperative enterprise negative indicators;

[0034] Preprocessing the positive indicators of the cooperative enterprise and the negative indicators of the cooperative enterprise, and inputting the preprocessed positive indicators of the cooperative enterprise and the negative indicators of the cooperative enterprise into the cooperative enterprise risk indicator association map model for expansion processing to obtain multiple cooperative enterprise risk indicators;

[0035] The risk indicators of the cooperative enterprises are subjected to feature extraction and weighting processing to obtain corresponding risk assessment features of multiple cooperative enterprises.

[0036] The present invention also provides an enterprise risk system, comprising:

[0037] An acquisition module is used to obtain information data of the enterprise to be evaluated through big data;

[0038] A feature extraction module is used to classify the information data, process it according to the classification results, and obtain corresponding enterprise risk assessment features;

[0039] A threshold determination module, used to identify the plurality of enterprise risk assessment features and obtain corresponding actual risk thresholds;

[0040] An identification module is used to construct an identification model, input a plurality of the enterprise risk assessment features into the identification model for processing, and obtain a comprehensive enterprise operation risk score;

[0041] The judgment module is used to judge the risk level of the enterprise to be evaluated according to the relationship between the comprehensive enterprise operation risk score and the actual risk threshold, and prompt the risk level involved in the enterprise to be evaluated.

[0042] The present invention also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the enterprise risk assessment method as described in any one of the above items is implemented.

[0043] It can be seen from the above technical solutions that, compared with the prior art, the present invention discloses a method, system and readable storage medium for enterprise risk assessment, which obtains the basic information, business information and management information of the enterprise to be assessed and at the same time obtains the relevant data of the cooperative enterprises of the enterprise to be assessed, and combines the two data for analysis, comprehensively considering the risk impact of the enterprise-related data and the risk impact of the cooperative enterprise-related data, thereby obtaining a comprehensive risk assessment result, increasing the reliability of risk assessment, and avoiding the problem of incomplete unilateral assessment. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0045] Figure 1 An overall flow chart of an enterprise risk assessment method provided by the present invention;

[0046] Figure 2 This is a structural principle block diagram of an enterprise risk assessment system provided by the present invention. DETAILED DESCRIPTION

[0047] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. 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 the present invention.

[0048] See also Figure 1 As shown, an embodiment of the present invention provides an enterprise risk assessment method, comprising the following steps:

[0049] Obtain information data of the enterprise to be evaluated through big data;

[0050] Classify the information data, process it according to the classification results, and obtain the corresponding enterprise risk assessment characteristics;

[0051] Identify multiple enterprise risk assessment features and obtain the corresponding actual risk thresholds;

[0052] Construct an identification model, input multiple enterprise risk assessment features into the identification model for processing, and obtain a comprehensive enterprise operating risk score;

[0053] The risk level of the enterprise to be evaluated is determined based on the relationship between the comprehensive enterprise operating risk score and the actual risk threshold.

[0054] In a specific embodiment, the information data includes: basic information of the enterprise, business information of the enterprise, enterprise management information and information data of cooperative enterprises, wherein the basic information of the enterprise may include: name of the enterprise, legal person of the enterprise and related contact information, establishment time, business status of the enterprise, etc., business information may include: financial information, production and sales information, human resources information and capital operation information, etc., management information may include tax payment information, etc., and information data of cooperative enterprises may include: basic information of the enterprise, product information, supply chain information, quality and certification information, risk information and other data.

[0055] In a specific embodiment, the specific process of obtaining the corresponding multiple enterprise risk assessment features includes:

[0056] Enterprise risk assessment characteristics include the enterprise's own risk assessment characteristics and the risk assessment characteristics of cooperative enterprises;

[0057] Process the basic information, business information and management information of the enterprise to obtain corresponding risk assessment characteristics of multiple enterprises;

[0058] The information data of the cooperative enterprises is processed to obtain corresponding risk assessment characteristics of multiple cooperative enterprises.

[0059] In a specific embodiment, the specific process of obtaining the corresponding actual risk threshold includes:

[0060] Conduct cluster analysis on the risk assessment characteristics of multiple enterprises themselves and multiple cooperative enterprises to obtain corresponding analysis results;

[0061] Construct an analysis model, input the analysis results into the analysis model for processing, and obtain the corresponding actual risk threshold.

[0062] In a specific embodiment, the specific process of obtaining the enterprise operation risk score includes:

[0063] Construct an identification model, and input the risk assessment features of multiple enterprises themselves and multiple cooperative enterprises into the identification model for processing, and obtain the corresponding cooperative enterprise operating risk scores and the enterprise's own operating risk scores. The risk identification model can be a model obtained by integrating a random forest model with a support vector machine, which can better improve the processing performance of the model;

[0064] The operating risk scores of the cooperating enterprises and the enterprise's own operating risk scores are weighted and integrated to obtain a comprehensive enterprise operating risk score.

[0065] Specifically, the embodiment of the present invention can assign weights to the operating risk scores of the cooperative enterprises and the operating risk scores of the enterprises themselves respectively. The specific weight ratio can be achieved through the expert database and the entropy weight method, and then the weights are fused to improve the reliability of the evaluation process.

[0066] In a specific embodiment, in the process of obtaining the comprehensive enterprise operation risk score, abnormal event information generated during the operation of the enterprise to be evaluated may also be considered. The specific processing process includes:

[0067] Obtain information on abnormal events generated in the historical business activities of the enterprise to be evaluated within a preset time period, and determine the probability of the abnormal event information being generated;

[0068] When the probability is lower than the preset threshold, it means that the probability of occurrence is low. In the process of obtaining the comprehensive enterprise business risk score, the abnormal event information is not considered. When the probability is greater than or equal to the preset threshold, it means that the probability of occurrence is high. In the process of obtaining the comprehensive enterprise business risk score, the enterprise business abnormal information is determined through the abnormal event information, and the enterprise business abnormal information is subjected to attribute extraction, event extraction and preprocessing to determine the corresponding enterprise business abnormality characteristics. The enterprise business abnormality characteristics are then input into the recognition model to obtain the corresponding enterprise business abnormality score. The cooperative enterprise business risk score, the enterprise's own business risk score and the enterprise business abnormality score are weighted and fused to obtain a comprehensive enterprise business risk score to further improve the processing accuracy.

[0069] In a specific embodiment, it also includes:

[0070] Adjustments will be made to various aspects of the business activities of the enterprise to be evaluated based on the comprehensive enterprise business risk score.

[0071] Specifically, during the adjustment process, it is necessary to rank the comprehensive enterprise operating risk score, the cooperative enterprise operating risk score and the enterprise's own operating risk score, and adjust each link of the business activities of the enterprise to be evaluated according to the scores corresponding to the top two scores in the ranking results.

[0072] In a specific embodiment, the specific process of obtaining multiple enterprise risk assessment features includes:

[0073] Construct an enterprise risk assessment module, which includes an enterprise assessment index system and an enterprise risk index association graph model. The enterprise assessment index system includes various risk indicators in the enterprise's business activities. These indicators can help enterprises and related institutions evaluate and manage risks in trade activities. Specifically, they may include: financial risk indicators (such as asset-liability ratio), business risk indicators (such as gross profit margin, operating profit margin, inventory turnover rate, etc.), market risk indicators (such as market share, market growth rate, etc.), legal risk indicators (such as the number of violations, the proportion of contract disputes, legal litigation risks, etc.), supply chain risk indicators (such as logistics costs, raw material price fluctuations, etc.), technical risk indicators (such as technology update speed, information system security, intellectual property protection, etc.), management risk indicators (such as management stability, risk awareness, etc.);

[0074] Classify the basic information, business information and management information of the enterprise according to the enterprise evaluation index system to obtain the corresponding positive and negative indicators of the enterprise;

[0075] Preprocessing the positive indicators and negative indicators of the enterprise, and inputting the preprocessed positive indicators and negative indicators of the enterprise into the enterprise risk indicator association graph model for expansion processing to obtain multiple enterprise risk indicators;

[0076] Feature extraction and weighting processing are performed on the plurality of enterprise risk indicators to obtain corresponding plurality of enterprise risk assessment features.

[0077] Specifically, in the process of obtaining risk assessment features, association expansion is performed through the knowledge graph model, and then the data types with less correlation in the data are screened out using the enterprise evaluation index system, which can improve the reliability of subsequent data processing.

[0078] In a specific embodiment, the specific process of obtaining risk assessment characteristics of multiple cooperative enterprises includes:

[0079] Construct a cooperative enterprise risk indicator evaluation module, wherein the cooperative enterprise risk indicator evaluation module includes a cooperative enterprise risk indicator evaluation system and a cooperative enterprise risk indicator association map model, and the cooperative enterprise risk indicator evaluation system may include cooperative enterprise financial attribute data, historical performance data, etc.;

[0080] Classifying the cooperative enterprise information data according to the cooperative enterprise risk indicator evaluation system to obtain corresponding cooperative enterprise positive indicators and cooperative enterprise negative indicators;

[0081] Preprocessing the positive indicators of the cooperative enterprise and the negative indicators of the cooperative enterprise, and inputting the preprocessed positive indicators of the cooperative enterprise and the negative indicators of the cooperative enterprise into the cooperative enterprise risk indicator association map model for expansion processing to obtain multiple cooperative enterprise risk indicators;

[0082] The risk indicators of the cooperative enterprises are subjected to feature extraction and weighting processing to obtain corresponding risk assessment features of multiple cooperative enterprises.

[0083] Specifically, in the process of obtaining the risk assessment characteristics of cooperative enterprises, association expansion is performed through the knowledge graph model, and then the cooperative enterprise risk indicator evaluation system is used to screen out data types with less correlation in the cooperative enterprise information data, which can improve the reliability of subsequent data processing.

[0084] See also Figure 2 As shown, an embodiment of the present invention further provides an evaluation system using an enterprise risk evaluation method of any one of the above embodiments, including:

[0085] An acquisition module is used to obtain information data of the enterprise to be evaluated through big data;

[0086] The feature extraction module is used to classify information data and process it according to the classification results to obtain the corresponding enterprise risk assessment features;

[0087] A threshold determination module is used to identify multiple enterprise risk assessment features and obtain the corresponding actual risk threshold;

[0088] The identification module is used to build an identification model, input multiple enterprise risk assessment features into the identification model for processing, and obtain a comprehensive enterprise operating risk score;

[0089] The judgment module is used to judge the risk level of the enterprise to be evaluated based on the relationship between the comprehensive enterprise operation risk score and the actual risk threshold, and to indicate the risk level involved in the enterprise to be evaluated.

[0090] An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the enterprise risk assessment method as described in any one of the above embodiments is implemented.

[0091] In this specification, each embodiment is described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part.

[0092] The above description of the disclosed embodiments enables one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for enterprise risk assessment, characterized in that: The following steps are involved: Obtain information data of the enterprise to be evaluated through big data; Classifying the information data, processing according to the classification results, and obtaining corresponding enterprise risk assessment characteristics; Identify the enterprise risk assessment characteristics and obtain the corresponding actual risk threshold; Constructing an identification model, inputting the enterprise risk assessment characteristics into the identification model for processing, and obtaining a comprehensive enterprise operating risk score; The risk level of the enterprise to be evaluated is determined based on the relationship between the comprehensive enterprise operating risk score and the actual risk threshold.

2. The enterprise risk assessment method according to claim 1, characterized in that: The information data includes: basic enterprise information, enterprise operation information, enterprise management information and cooperative enterprise information data.

3. The enterprise risk assessment method according to claim 2, characterized in that: The specific process of obtaining the corresponding enterprise risk assessment characteristics includes: The enterprise risk assessment characteristics include the enterprise's own risk assessment characteristics and the risk assessment characteristics of the cooperative enterprise; Processing the basic information of the enterprise, the business information of the enterprise and the management information of the enterprise to obtain corresponding risk assessment characteristics of the enterprise itself; The cooperative enterprise information data is processed to obtain corresponding cooperative enterprise risk assessment characteristics.

4. The enterprise risk assessment method according to claim 3, characterized in that: The specific process of obtaining the corresponding actual risk threshold includes: Performing cluster analysis on the enterprise's own risk assessment characteristics and the cooperative enterprise's risk assessment characteristics to obtain corresponding analysis results; An analysis model is constructed, and the analysis results are input into the analysis model for processing to obtain a corresponding actual risk threshold.

5. The enterprise risk assessment method according to claim 3, characterized in that: The specific process of obtaining the enterprise business risk score includes: Constructing an identification model, and inputting the enterprise's own risk assessment characteristics and the cooperative enterprise's risk assessment characteristics into the identification model for processing, to obtain the corresponding cooperative enterprise operating risk score and the enterprise's own operating risk score; The operating risk score of the cooperative enterprise and the operating risk score of the enterprise itself are weighted and integrated to obtain a comprehensive enterprise operating risk score.

6. The enterprise risk assessment method according to claim 5, characterized in that: Also includes: Adjustments are made to various aspects of the business activities of the enterprise to be evaluated based on the comprehensive business risk score.

7. The enterprise risk assessment method according to claim 3, characterized in that: The specific process of obtaining multiple enterprise risk assessment features includes: Constructing an enterprise risk assessment module, wherein the enterprise risk assessment module includes an enterprise assessment indicator system and an enterprise risk indicator association graph model; Classifying the basic information of the enterprise, the business information of the enterprise and the management information of the enterprise according to the enterprise evaluation index system to obtain corresponding positive indicators and negative indicators of the enterprise; Preprocessing the positive enterprise indicators and the negative enterprise indicators, and inputting the preprocessed positive enterprise indicators and the negative enterprise indicators into the enterprise risk indicator association graph model for expansion processing to obtain multiple enterprise risk indicators; Feature extraction and weighting processing are performed on the plurality of enterprise risk indicators to obtain corresponding plurality of enterprise risk assessment features.

8. The enterprise risk assessment method according to claim 3, characterized in that: The specific process of obtaining the risk assessment characteristics of multiple cooperative enterprises includes: Constructing a cooperative enterprise risk indicator evaluation module, wherein the cooperative enterprise risk indicator evaluation module includes a cooperative enterprise risk indicator evaluation system and a cooperative enterprise risk indicator association map model; Classifying the cooperative enterprise information data according to the cooperative enterprise risk indicator evaluation system to obtain corresponding cooperative enterprise positive indicators and cooperative enterprise negative indicators; Preprocessing the positive indicators of the cooperative enterprise and the negative indicators of the cooperative enterprise, and inputting the preprocessed positive indicators of the cooperative enterprise and the negative indicators of the cooperative enterprise into the cooperative enterprise risk indicator association map model for expansion processing to obtain multiple cooperative enterprise risk indicators; The risk indicators of the cooperative enterprises are subjected to feature extraction and weighting processing to obtain corresponding risk assessment features of multiple cooperative enterprises.

9. An evaluation system using an enterprise risk evaluation method according to any one of claims 1 to 8, characterized in that: include: An acquisition module is used to obtain information data of the enterprise to be evaluated through big data; A feature extraction module is used to classify the information data, process it according to the classification results, and obtain corresponding enterprise risk assessment features; A threshold determination module, used to identify the plurality of enterprise risk assessment features and obtain corresponding actual risk thresholds; An identification module is used to construct an identification model, input a plurality of the enterprise risk assessment features into the identification model for processing, and obtain a comprehensive enterprise operation risk score; The judgment module is used to judge the risk level of the enterprise to be evaluated according to the relationship between the comprehensive enterprise operation risk score and the actual risk threshold, and prompt the risk level involved in the enterprise to be evaluated.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the enterprise risk assessment method according to any one of claims 1 to 8 is implemented.

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