Enterprise scoring method and system

Abstract

The invention discloses an enterprise scoring method and system, and relates to the technical field of big data analysis, a platform using a scoring model autonomously selects an evaluation dimension, and the enterprise is scored according to the ranking of the evaluation dimension of the enterprise in the industry of the region where the enterprise belongs. Calculating a total score according to the setting of dimension weights by a platform using the scoring model; the method comprises the steps that firstly, a scoring model user selects an evaluation dimension, fills in a time interval in which the dimension takes effect, and fills in a weight corresponding to the dimension; then, a scoring model user selects a scoring comparison range; then, the scoring model user selects an enterprise, the scoring model obtains the ranking of the selected enterprise in each dimension in the selected range, and scores are calculated according to the stored scheme; and finally, displaying the final result and the score of each dimension to a model user. According to the invention, a more scientific, objective and comprehensive evaluation standard can be provided for enterprises, and the decision-making efficiency and accuracy in the cooperation process are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of big data analysis, and in particular to an enterprise scoring method and system. Background Art

[0002] With the complexity of business activities, various financial institutions, commercial enterprises and government departments pay more and more attention to the credit assessment of suppliers, customers, partners and other business stakeholders. This demand has promoted the development of corporate credit scoring models to achieve quantitative assessment of potential partners and optimize resource allocation. Nowadays, many financial institutions or credit reporting agencies have scored companies through scoring models. There are the following situations for other users to recognize the scoring of the model: one is that the scoring agency is authoritative and has better qualifications, or it has demonstrated its capabilities in the process of cooperation and has been recognized by customers who need to use the scoring model; the other is that the dimensions of its scoring model evaluation are sufficient and the scoring mechanism is reasonable, and they are all customized by customers who use the scoring model, and the scoring content is announced to users. The first situation is generally determined by the nature of the scoring agency, while in the second situation, there is still a lot of room for improvement in the scoring model. Summary of the invention

[0003] The technical task of the present invention is to address the above shortcomings and to provide an enterprise scoring method and system, which, through the improvement of the scoring model, can provide enterprises with more scientific, objective and comprehensive evaluation standards, thereby improving decision-making efficiency and accuracy in the cooperation process.

[0004] The technical solution adopted by the present invention to solve its technical problem is:

[0005] A method of scoring an enterprise, in which the platform using the scoring model independently selects the evaluation dimensions, and scores the enterprise according to the ranking of the enterprise's evaluation dimensions in the industry in the region where the enterprise is located, and calculates the total score according to the dimension weights set by the platform using the scoring model;

[0006] First, the user of the scoring model selects the evaluation dimension, fills in the time period in which the dimension is effective, and fills in the corresponding weight of the dimension;

[0007] Then, the scoring model user selects a scoring comparison range;

[0008] After that, the scoring model user selects an enterprise, and the scoring model obtains the ranking of the selected enterprise in each dimension within the selected range and calculates the score based on the saved scheme;

[0009] Finally, the final results and scores of each dimension are presented to the model users.

[0010] Furthermore, the score is calculated according to the saved scheme, and the overall score is calculated by the scheme customized by the model user. The calculation process is as follows: SUM (rank of each dimension * weight) / (number of dimensions * 100).

[0011] Furthermore, the weight is in percentage.

[0012] Furthermore, the selection of the scoring comparison scope may include the selection of all industries or the industry in which the applicant is located, the region in which the applicant is located, or the whole country;

[0013] If you select your industry, you can further select the industry category level; if you select your region, you can further select the province, city or district / county. The above solutions can be saved and modified.

[0014] Furthermore, the dimensions include: establishment time, registered capital, paid-in capital, operating status, number of insured persons, industrial and commercial changes, annual reports, case filing information, court opening notices, court notices, judgment documents, persons subject to execution, dishonest information, equity freeze, restrictions on high consumption, final cases, judicial auctions, inquiry and evaluation, selected evaluations, judicial assistance, abnormal operations, serious violations of law and trust, administrative penalties, environmental penalties, bankruptcy cases, compulsory liquidation, liquidation information, equity pledge, movable property mortgage, tax arrears information, land mortgage, major tax violations, intellectual property pledge, simple cancellation, cancellation filing, financing information, spot check information, double random spot checks, administrative licenses, tax ratings, general taxpayers, construction qualifications, qualification certification, recruitment information, bidding, competing product information, WeChat public accounts, import and export credit, pledgees, land mortgagees, patent information, trademark information, copyright information, software copyright, and domain name information.

[0015] Furthermore, the ranking of the enterprise in each dimension within the selected range is calculated by cleaning the information in the enterprise database, and the fields include:

[0016] Enterprise id, dimension, month, provincial ranking of all industries, provincial ranking of first-level industries, provincial ranking of second-level industries, provincial ranking of third-level industries, city ranking of all industries, city ranking of first-level industries, city ranking of second-level industries, city ranking of third-level industries, district and county ranking of all industries, district and county ranking of first-level industries, district and county ranking of second-level industries, district and county ranking of third-level industries.

[0017] Furthermore, the rankings are all percentages.

[0018] The present invention also claims protection for an enterprise scoring system, which can implement the above-mentioned enterprise scoring method, and the system comprises:

[0019] Evaluation dimension selection module, used for model users to select evaluation dimensions, fill in the time interval in which the dimensions are effective, and fill in the corresponding weights of the dimensions;

[0020] A scoring comparison range selection module is used for the scoring model user to select a scoring comparison range;

[0021] The enterprise score calculation module is used to enable the user of the scoring model to select an enterprise. The scoring model obtains the ranking of the selected enterprise in each dimension within the selected range and calculates the score according to the saved scheme;

[0022] The display module shows the final results and scores of each dimension to the model users;

[0023] The present invention also claims protection for an enterprise scoring device, comprising: at least one memory and at least one processor;

[0024] The at least one memory is used to store a machine-readable program;

[0025] The at least one processor is used to call the machine-readable program to implement the above method.

[0026] The present invention also claims protection for a computer-readable medium having computer instructions stored thereon, which implement the above method when executed by a processor.

[0027] Compared with the prior art, the enterprise scoring method and system of the present invention has the following beneficial effects:

[0028] This scoring method or system is based on the platform using the scoring model to independently select the evaluation dimensions, and score the enterprise according to the ranking of the enterprise's evaluation dimensions in the industry in the region, and calculate the total score according to the dimension weights set by the platform using the scoring model. This provides enterprises with more scientific, objective and comprehensive evaluation standards, and improves decision-making efficiency and accuracy in the cooperation process.

[0029] Model users can independently select dimensions and scoring ranges to cope with different scenarios.

[0030] It is more scientific and accurate to calculate scores based on industry rankings. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] Figure 1 is a flowchart of processing an enterprise ranking table provided by an embodiment of the present invention;

[0032] Figure 2 is a diagram of a save / modify solution provided by an embodiment of the present invention;

[0033] Figure 3 It is a flowchart of calculating enterprise scores provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0034] The present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.

[0035] An embodiment of the present invention provides a method for scoring an enterprise, wherein a platform using a scoring model independently selects evaluation dimensions, scores the enterprise according to the ranking of the enterprise's evaluation dimensions in the industry to which it belongs in the region, and calculates the total score according to the setting of dimension weights by the platform using the scoring model.

[0036] First, the user of the scoring model selects the evaluation dimension, fills in the time period in which the dimension is effective, and fills in the corresponding weight of the dimension;

[0037] The dimensions include: establishment time, registered capital, paid-in capital, business status, number of insured persons, industrial and commercial changes, annual reports, case filing information, court opening notices, court notices, judgment documents, persons subject to execution, dishonest information, equity freeze, restrictions on high consumption, final cases, judicial auctions, inquiry and evaluation, selected evaluations, judicial assistance, abnormal operations, serious violations of law and dishonesty, administrative penalties, environmental penalties, bankruptcy cases, compulsory liquidation, liquidation information, equity pledge, movable property mortgage, tax arrears information, land mortgage, major tax violations, intellectual property pledge, simple cancellation, cancellation filing, financing information, spot check information, double random spot checks, administrative licenses, tax ratings, general taxpayers, construction qualifications, qualification certification, recruitment information, bidding, competitive product information, WeChat public accounts, import and export credit, pledgees, land mortgagees, patent information, trademark information, copyright information, software copyright, domain name information;

[0038] The weights are expressed in percentages.

[0039] Then, the scoring model user selects the scoring comparison scope, whether it is the entire industry or the industry in which the score is compared, whether it is the region in which the score is compared or the whole country;

[0040] If you select the industry, you can further select the industry category level; if you select the region, you can further select the province, city or district. The above scheme can be saved and modified. Figure 2 shown.

[0041] After that, the scoring model user selects an enterprise, and the scoring model obtains the ranking of the selected enterprise in each dimension within the selected range and calculates the score based on the saved scheme, such as Figure 1 As shown;

[0042] The ranking of the enterprise in each dimension within the selected range is calculated by cleaning the information in the enterprise database, such as Figure 3 As shown; the fields include:

[0043] Enterprise id, dimension, month, provincial ranking of all industries, provincial ranking of first-level industries, provincial ranking of second-level industries, provincial ranking of third-level industries, city ranking of all industries, city ranking of first-level industries, city ranking of second-level industries, city ranking of third-level industries, district and county ranking of all industries, district and county ranking of first-level industries, district and county ranking of second-level industries, district and county ranking of third-level industries;

[0044] The rankings stated are percentages.

[0045] Afterwards, the overall score is calculated using a solution customized by the model user. The calculation process is as follows: SUM (rank of each dimension * weight) / (number of dimensions * 100).

[0046] Finally, the final results and scores of each dimension are presented to the model users.

[0047] Users of this method model can independently select dimensions and scoring ranges to cope with different scenarios.

[0048] It is more scientific and accurate to calculate scores based on industry rankings.

[0049] The embodiment of the present invention further provides an enterprise scoring system, which can implement the enterprise scoring method described in the above embodiment, and the system includes:

[0050] The evaluation dimension selection module is used for model users to select evaluation dimensions, fill in the time period when the dimensions are effective, and fill in the corresponding weights of the dimensions.

[0051] The scoring comparison range selection module is used for scoring model users to select the scoring comparison range; select whether to use the entire industry or the industry in which you are located, the region in which you are located, or the entire country; if you select the industry in which you are located, you can further select the industry category level; if you select the region in which you are located, you can further select the province, city, or county.

[0052] The enterprise score calculation module is used to enable the scoring model user to select an enterprise. The scoring model obtains the ranking of the selected enterprise in each dimension within the selected range and calculates the score according to the saved scheme; the ranking of the enterprise in each dimension within the selected range is calculated through information cleaning processing in the enterprise database, such as Figure 3 As shown; the fields include:

[0053] Enterprise id, dimension, month, provincial ranking of all industries, provincial ranking of first-level industries, provincial ranking of second-level industries, provincial ranking of third-level industries, city ranking of all industries, city ranking of first-level industries, city ranking of second-level industries, city ranking of third-level industries, district and county ranking of all industries, district and county ranking of first-level industries, district and county ranking of second-level industries, district and county ranking of third-level industries;

[0054] The rankings stated are percentages.

[0055] Afterwards, the overall score is calculated using a solution customized by the model user. The calculation process is as follows: SUM (rank of each dimension * weight) / (number of dimensions * 100).

[0056] The display module shows the final results and scores of each dimension to the model users.

[0057] The system allows the platform using the scoring model to independently select evaluation dimensions, and scores the enterprise based on the enterprise's ranking in the industry in the region based on the evaluation dimensions. The total score is calculated based on the dimension weights set by the platform using the scoring model; thereby providing enterprises with more scientific, objective, and comprehensive evaluation standards, and improving decision-making efficiency and accuracy during the cooperation process.

[0058] An embodiment of the present invention further provides an enterprise scoring device, comprising: at least one memory and at least one processor;

[0059] The at least one memory is used to store a machine-readable program;

[0060] The at least one processor is used to call the machine-readable program to implement the enterprise scoring method described in the above embodiment.

[0061] The embodiment of the present invention further provides a computer-readable medium, on which computer instructions are stored, and when the computer instructions are executed by a processor, the processor executes the enterprise scoring method described in the above embodiment. Specifically, a system or device equipped with a storage medium can be provided, on which software program codes for implementing the functions of any of the above embodiments are stored, and a computer (or CPU or MPU) of the system or device reads and executes the program code stored in the storage medium.

[0062] In this case, the program code itself read from the storage medium can realize the function of any one of the above-mentioned embodiments, and thus the program code and the storage medium storing the program code constitute a part of the present invention.

[0063] The storage medium embodiments for providing the program code include a floppy disk, a hard disk, a magneto-optical disk, an optical disk (such as CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, DVD-RW, DVD+RW), a magnetic tape, a non-volatile memory card, and a ROM. Alternatively, the program code can be downloaded from a server computer by a communication network.

[0064] In addition, it should be clear that the functions of any of the above embodiments can be implemented not only by executing the program code read by the computer, but also by enabling an operating system operating on the computer to complete part or all of the actual operations based on instructions from the program code.

[0065] In addition, it can be understood that the program code read from the storage medium is written to a memory provided in an expansion board inserted into the computer or written to a memory provided in an expansion unit connected to the computer, and then based on the instructions of the program code, a CPU installed on the expansion board or the expansion unit is enabled to perform part or all of the actual operations, thereby realizing the functions of any of the above-mentioned embodiments.

[0066] The present invention is shown and described in detail above through the accompanying drawings and preferred embodiments. However, the present invention is not limited to these disclosed embodiments. Based on the above multiple embodiments, those skilled in the art can know that the code review methods in the above different embodiments can be combined to obtain more embodiments of the present invention, and these embodiments are also within the protection scope of the present invention.

Claims

1. A method for enterprise scoring, characterized in that: The platform using the scoring model independently selects the evaluation dimensions and scores the enterprise based on the ranking of the enterprise's evaluation dimensions in the industry in the region where it is located. The total score is calculated based on the dimension weights set by the platform using the scoring model. First, the user of the scoring model selects the evaluation dimension, fills in the time period in which the dimension is effective, and fills in the corresponding weight of the dimension; Then, the scoring model user selects a scoring comparison range; After that, the scoring model user selects an enterprise, and the scoring model obtains the ranking of the selected enterprise in each dimension within the selected range and calculates the score based on the saved scheme; Finally, the final results and scores of each dimension are presented to the model users.

2. A method for enterprise scoring according to claim 1, characterized in that: The score is calculated according to the saved scheme, and the overall score is calculated by the scheme customized by the model user. The calculation process is as follows: SUM (rank of each dimension * weight) / (number of dimensions * 100).

3. A method for enterprise scoring according to claim 1 or 2, characterized in that: The weights are expressed in percentages.

4. The enterprise scoring method according to claim 1, characterized in that: When selecting the scope of score comparison, you can choose whether to select all industries or the industry you are in, or the region you are in or the whole country; If you select your industry, you can further select the industry category level; if you select your region, you can further select the province, city or district and county.

5. A method for enterprise scoring according to claim 1 or 2, characterized in that: The dimensions include: establishment time, registered capital, paid-in capital, business status, number of insured persons, industrial and commercial changes, annual reports, case filing information, court opening notices, court notices, judgment documents, persons subject to execution, dishonest information, equity freeze, restrictions on high consumption, final cases, judicial auctions, inquiry and evaluation, selected evaluations, judicial assistance, abnormal operations, serious violations of law and trust, administrative penalties, environmental penalties, bankruptcy cases, compulsory liquidation, liquidation information, equity pledge, movable property mortgage, tax arrears information, land mortgage, major tax violations, intellectual property pledge, simple cancellation, cancellation filing, financing information, spot check information, double random spot checks, administrative licenses, tax ratings, general taxpayers, construction qualifications, qualification certification, recruitment information, bidding, competing product information, WeChat public accounts, import and export credit, pledgees, land mortgagees, patent information, trademark information, copyright information, software copyright, and domain name information.

6. A method for enterprise scoring according to claim 1 or 2, characterized in that: The ranking of the enterprise in each dimension within the selected range is calculated by cleaning the information in the enterprise database. The fields include: Enterprise id, dimension, month, provincial ranking of all industries, provincial ranking of first-level industries, provincial ranking of second-level industries, provincial ranking of third-level industries, city ranking of all industries, city ranking of first-level industries, city ranking of second-level industries, city ranking of third-level industries, district and county ranking of all industries, district and county ranking of first-level industries, district and county ranking of second-level industries, district and county ranking of third-level industries.

7. A method for enterprise rating according to claim 6, characterized in that: The rankings stated are percentages.

8. An enterprise rating system, characterized in that: The system can implement the enterprise scoring method according to any one of claims 1 to 7, and the system comprises: Evaluation dimension selection module, used for model users to select evaluation dimensions, fill in the time interval in which the dimensions are effective, and fill in the corresponding weights of the dimensions; A scoring comparison range selection module is used for the scoring model user to select a scoring comparison range; The enterprise score calculation module is used to enable the user of the scoring model to select an enterprise. The scoring model obtains the ranking of the selected enterprise in each dimension within the selected range and calculates the score according to the saved scheme; The display module shows the final results and scores of each dimension to the model users.

9. An enterprise scoring device, characterized in that: include: at least one memory and at least one processor; The at least one memory is used to store a machine-readable program; The at least one processor is used to call the machine-readable program to implement the method described in any one of claims 1 to 7.

10. A computer-readable medium, characterized in that The computer readable medium stores computer instructions, and when the computer instructions are executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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