Method and system for determining enterprise portrait score, electronic equipment and storage medium

Abstract

The invention provides a method and a system for determining an enterprise portrait score, electronic equipment and a storage medium. The method comprises the following steps: acquiring an operating index and a green index of a to-be-evaluated enterprise; calculating scores of the operating indexes and the green indexes; and determining an enterprise portrait score of the to-be-evaluated enterprise based on the score of the operating index, the comprehensive clustering coefficient of the operating index, the score of the green index and the comprehensive clustering coefficient of the green index. In the scheme, the scores of the operating indexes and the green indexes of the to-be-evaluated enterprise are calculated, then the enterprise portrait score of the to-be-evaluated enterprise is determined according to the scores of the operating indexes, the comprehensive clustering coefficients of the operating indexes, the scores of the green indexes and the comprehensive clustering coefficients of the green indexes, and the enterprise portrait score is evaluated from multiple dimensions. And the evaluation accuracy of enterprise portrait scoring is improved.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, system, electronic device and storage medium for determining an enterprise portrait score. Background Art

[0002] When a bank evaluates an enterprise's credit line, it needs to first determine the enterprise portrait score, and then determine the enterprise's credit line based on the enterprise portrait score.

[0003] Currently, when determining the corporate portrait score, the score is determined only by relying on the financial and operating conditions in a single dimension. However, the financial and operating conditions in a single dimension often cannot fully reflect the true situation of the company, which leads to poor accuracy of the determined corporate portrait score. Summary of the invention

[0004] In view of this, an embodiment of the present invention provides a method, system, electronic device and storage medium for determining an enterprise portrait score, so as to solve the problem of poor accuracy of determining an enterprise portrait score in a single dimension.

[0005] To achieve the above objectives, the embodiments of the present invention provide the following technical solutions:

[0006] A first aspect of an embodiment of the present invention discloses a method for determining a corporate portrait score, the method comprising:

[0007] Obtain the operating indicators and green indicators of the enterprise to be evaluated;

[0008] Calculating the scores of the operating indicators and the green indicators;

[0009] Based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators, the corporate portrait score of the enterprise to be evaluated is determined.

[0010] Preferably, the enterprise scale of the enterprise to be evaluated is a first preset enterprise scale;

[0011] Based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators, the enterprise portrait score of the enterprise to be evaluated is determined, including:

[0012] Calculating module scores of a plurality of preset business modules based on the scores of the business indicators and the comprehensive clustering coefficients of the business indicators;

[0013] Calculating module scores of a plurality of preset green modules based on the scores of the green indicators and the comprehensive clustering coefficients of the green indicators;

[0014] Determine the business profile score of the enterprise to be evaluated according to the module score of the business module and the comprehensive clustering coefficient of the business module;

[0015] Determine the green profile score of the enterprise to be evaluated according to the module score of the green module and the comprehensive clustering coefficient of the green module;

[0016] The business portrait score and the green portrait score are combined to obtain the enterprise portrait score of the enterprise to be evaluated.

[0017] Preferably, the enterprise scale of the enterprise to be evaluated is a second preset enterprise scale;

[0018] Based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators, the enterprise portrait score of the enterprise to be evaluated is determined, including:

[0019] Calculating module scores of a plurality of preset green overall business modules based on the scores of the business indicators, the comprehensive clustering coefficients of the business indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators;

[0020] According to the module score of the overall green business operation module and the comprehensive clustering coefficient of the overall green business operation module, the enterprise portrait score of the enterprise to be evaluated is determined.

[0021] Preferably, after obtaining the enterprise portrait score of the enterprise to be evaluated, the method further includes:

[0022] Determine the enterprise coefficient corresponding to the preset score range within which the enterprise portrait score falls;

[0023] The credit limit of the enterprise to be evaluated is determined according to the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

[0024] A second aspect of an embodiment of the present invention discloses a system for determining a corporate portrait score, the system comprising:

[0025] An acquisition unit, used to acquire the operating indicators and green indicators of the enterprise to be evaluated;

[0026] A calculation unit, used to calculate the scores of the operating index and the green index;

[0027] The first determination unit is used to determine the enterprise portrait score of the enterprise to be evaluated based on the score of the operating indicator, the comprehensive clustering coefficient of the operating indicator, the score of the green indicator and the comprehensive clustering coefficient of the green indicator.

[0028] Preferably, the enterprise scale of the enterprise to be evaluated is a first preset enterprise scale; and the first determining unit includes:

[0029] A first calculation subunit, configured to calculate module scores of a plurality of preset business modules based on the scores of the business indicators and the comprehensive clustering coefficients of the business indicators;

[0030] A second calculation subunit, configured to calculate module scores of a plurality of preset green modules based on the scores of the green indicators and the comprehensive clustering coefficients of the green indicators;

[0031] A first determination subunit is used to determine the business profile score of the enterprise to be evaluated according to the module score of the business module and the comprehensive clustering coefficient of the business module;

[0032] A second determination subunit is used to determine the green portrait score of the enterprise to be evaluated according to the module score of the green module and the comprehensive clustering coefficient of the green module;

[0033] The comprehensive subunit is used to comprehensively combine the business portrait score and the green portrait score to obtain the enterprise portrait score of the enterprise to be evaluated.

[0034] Preferably, the enterprise scale of the enterprise to be evaluated is a second preset enterprise scale; and the first determining unit includes:

[0035] A third calculation subunit, configured to calculate module scores of a plurality of preset business green overall modules based on the scores of the business indicators, the comprehensive clustering coefficients of the business indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators;

[0036] The third determination subunit is used to determine the enterprise portrait score of the enterprise to be evaluated according to the module score of the overall green business operation module and the comprehensive clustering coefficient of the overall green business operation module.

[0037] Preferably, it also includes:

[0038] A second determination unit is used to determine the enterprise coefficient corresponding to the preset score range of the enterprise portrait score;

[0039] The third determination unit is used to determine the credit limit of the enterprise to be evaluated according to the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

[0040] A third aspect of an embodiment of the present invention discloses an electronic device, comprising: a processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; and the memory is used to store a program, wherein the program is used to implement the method for determining a corporate portrait score disclosed in the first aspect of an embodiment of the present invention.

[0041] A fourth aspect of an embodiment of the present invention discloses a computer-readable storage medium, in which computer-executable instructions are stored. The computer-executable instructions are used to execute the method for determining a corporate portrait score disclosed in the first aspect of an embodiment of the present invention.

[0042] Based on the above-mentioned embodiment of the present invention, a method, system, electronic device and storage medium for determining a corporate portrait score are provided. The method is: obtaining the operating indicators and green indicators of the enterprise to be evaluated; calculating the scores of the operating indicators and green indicators; and determining the corporate portrait score of the enterprise to be evaluated based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators. In this solution, the scores of the operating indicators and green indicators of the enterprise to be evaluated are calculated, and then the corporate portrait score of the enterprise to be evaluated is determined according to the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators. The corporate portrait score is evaluated from multiple dimensions to improve the evaluation accuracy of the corporate portrait score. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] 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.

[0044] Figure 1 A flowchart of a method for determining an enterprise portrait score provided by an embodiment of the present invention;

[0045] Figure 2 An example diagram of the correspondence between the preset scoring range and the enterprise coefficient provided in an embodiment of the present invention;

[0046] Figure 3 Another flow chart of a method for determining a corporate portrait score provided by an embodiment of the present invention;

[0047] Figure 4 A structural block diagram of a system for determining an enterprise portrait score provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0048] 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.

[0049] In this application, the terms "comprises", "comprising" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising 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, an element defined by the sentence "comprising a ..." does not exclude the presence of other identical elements in the process, method, article or device comprising the element.

[0050] Green and low-carbon development is one of the important development directions at present. Banks continue to explore business models for green finance to serve the high-quality development of the real economy, and constantly innovate and enrich the green finance product system.

[0051] After research, the inventor found that when banks currently determine corporate portrait scores, they only rely on a single dimension of financial and operating conditions to determine corporate portrait scores, and lack the application of green indicators (such as corporate carbon emissions, carbon reduction projects, etc.). The single dimension of financial and operating conditions often cannot fully reflect the true situation of the company, which leads to poor accuracy of the determined corporate portrait scores.

[0052] Therefore, an embodiment of the present invention provides a method, system, electronic device and storage medium for determining an enterprise portrait score, which calculates the scores of the operating indicators and green indicators of the enterprise to be evaluated, and then determines the enterprise portrait score of the enterprise to be evaluated according to the scores of the operating indicators, the comprehensive clustering coefficient of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficient of the green indicators, evaluates the enterprise portrait score from the operating dimension and the green dimension, and improves the evaluation accuracy of the enterprise portrait score.

[0053] See also Figure 1 , shows a flow chart of a method for determining an enterprise portrait score provided by an embodiment of the present invention, the method comprising:

[0054] Step S101: Obtain the operating indicators and green indicators of the enterprise to be evaluated.

[0055] It should be noted that the operating indicators and green indicators obtained for enterprises of different sizes and in different industries are different; among them, the size of the enterprise is determined based on the number of employees and output value.

[0056] In the specific process of implementing step S101, operating indicators and green indicators that match the enterprise scale and industry of the enterprise to be evaluated are obtained. The operating indicators and green indicators obtained here are secondary indicators.

[0057] Specifically, if the enterprise scale of the enterprise to be evaluated is the first preset enterprise scale (large or medium-sized enterprise), then the operating indicators and green indicators matching the industry of the enterprise to be evaluated are obtained;

[0058] If the enterprise scale of the enterprise to be evaluated is the second preset enterprise scale (small and micro enterprises), then the enterprises to be evaluated in various industries will obtain operating indicators and green indicators of designated categories. That is, if the enterprise to be evaluated is a small and micro enterprise, then different small and micro enterprises will obtain operating indicators and green indicators of designated categories.

[0059] For example: when the enterprise scale of the enterprise to be evaluated is a large or medium-sized enterprise (the first preset enterprise scale), if the industry to which the enterprise to be evaluated belongs is the power generation industry, then the operating indicators of the enterprise to be evaluated obtained include but are not limited to: operating income profit, operating income growth rate, profit growth rate, operating net cash flow, accounts receivable turnover rate, asset-liability ratio, unit type, single unit installed capacity, main products, power generation, heat supply, heat supply ratio, and evaluation of the sponsoring bank;

[0060] The green indicators obtained for the enterprise to be evaluated include but are not limited to: baseline deviation rate, power supply carbon emission intensity, heating carbon emission intensity, fuel consumption, power supply coal consumption, heating coal consumption, received base element carbon content, environmental performance rating, environmental penalties, quota surplus, purchase of carbon reduction products, pollution reduction and carbon reduction upgrades, platform use, data early warning, and green finance.

[0061] For another example: if the enterprise to be evaluated is a large or medium-sized enterprise, and if the industry to be evaluated belongs to is the steel industry, then the operating indicators of the enterprise to be evaluated include but are not limited to: operating income profit, operating income growth rate, profit growth rate, operating net cash flow, accounts receivable turnover rate, asset-liability ratio, equipment type, design capacity, production process, self-provided power plant, product output, and evaluation of the sponsoring bank;

[0062] The green indicators obtained for the enterprise to be evaluated include but are not limited to: baseline deviation rate, carbon emission intensity per ton of steel, energy consumption intensity per ton of steel, fuel consumption, coal consumption per ton of steel, received basic element carbon content, environmental performance rating, environmental penalties, purchase of carbon reduction products, pollution reduction and carbon reduction upgrades and renovations, platform use, data early warning, and green finance.

[0063] For another example: when the enterprise scale of the enterprise to be evaluated is a small and micro enterprise (the second preset enterprise scale), the operating indicators and green indicators of the enterprise to be evaluated obtained include but are not limited to: changes in revenue, changes in profits, social security, assets and liabilities, taxation, operating status, administrative license, intellectual property certificate, corporate title, ESG rating, environmental penalties, environmental performance rating, clean energy production, comprehensive credit score, dishonesty, administrative penalties, and execution information; that is, if the enterprise to be evaluated is a small and micro enterprise, then small and micro enterprises in different industries will obtain the operating indicators and green indicators of the aforementioned examples.

[0064] It should be noted that the above are examples of operating indicators and green indicators. The operating indicators and green indicators to be obtained can be determined based on actual conditions, and examples are not given here one by one.

[0065] Step S102: Calculate the scores of business indicators and green indicators.

[0066] In the specific implementation of step S102, for the multiple operating indicators and green indicators of the enterprise to be evaluated, the scores of each operating indicator and green indicator are calculated according to the preset scoring rules and industry rankings.

[0067] Specifically, some operating indicators and green indicators calculate the corresponding scores according to the scoring rules, and some operating indicators and green indicators calculate the corresponding scores according to industry rankings.

[0068] Step S103: Based on the scores of operating indicators, the comprehensive clustering coefficients of operating indicators, the scores of green indicators and the comprehensive clustering coefficients of green indicators, the corporate portrait score of the enterprise to be evaluated is determined.

[0069] In some embodiments, the comprehensive clustering coefficients of various operating indicators and green indicators are predetermined. For example, the comprehensive clustering coefficients of the operating indicators (secondary indicators) such as operating income profit, operating income growth rate, and profit growth rate are 35%, 35%, and 30%, respectively.

[0070] The specific method to determine the comprehensive clustering coefficient of operating indicators and green indicators is as follows: determine the indicator weights of operating indicators and green indicators according to the entropy weight method, and then determine the membership of operating indicators and green indicators to each gray category according to the whitening weight function of operating indicators and green indicators. Finally, the comprehensive clustering coefficient of operating indicators and green indicators is determined by the indicator weights and membership of operating indicators and green indicators.

[0071] It should be noted that the entropy weight method is an objective weighting method, which can determine the weight of indicators according to the impact of the relative change degree of the indicators on the system. Its characteristics are: in the evaluated samples, the greater the difference in values ​​between the same indicators, the greater the weight. The following explains in detail how to determine the comprehensive clustering coefficient of indicators (operating indicators and green indicators):

[0072] Standardize the data, calculate the sample weight and index entropy, and then calculate the coefficient of difference and index weight;

[0073] Divide the sample into positive correlation indicators, negative correlation indicators and moderate indicators;

[0074] For positive correlation indicators (the indicator is positive, the more the better), the maximum value in the data is placed in the optimal interval, the minimum value in the data is placed in the worst interval, and the intermediate gray interval value is moderately determined;

[0075] For negatively correlated indicators (indicators are inverse, the fewer the better), the minimum value in the data is placed in the best gray class, the maximum value in the data is placed in the worst gray class, and the intermediate gray class interval value is moderately determined;

[0076] For moderate indicators (the closer to a certain specified value, the better), the optimal value is classified into the optimal gray class, the value with the greatest distance from the optimal value is classified into the worst gray class, and the intermediate gray class interval value is moderately determined;

[0077] The midpoint of each gray class interval is the point that most belongs to this gray class. The whitening weight function is calculated, and then the comprehensive clustering coefficient of the evaluation object (that is, the indicator) belonging to a certain gray class is obtained by the indicator weight and the whitening weight function.

[0078] The above is the relevant explanation on determining the comprehensive clustering coefficient.

[0079] In the specific implementation of step S103, the enterprise portrait score of the enterprise to be evaluated is determined by using the scores of each operating indicator of the enterprise to be evaluated, the comprehensive clustering coefficient of each operating indicator, the scores of each green indicator and the comprehensive clustering coefficient of each green indicator.

[0080] It should be noted that, from the perspective of enterprise scale, the scale of the enterprise to be evaluated is the first preset enterprise scale (large and medium-sized enterprises) or the second preset enterprise scale (small and micro enterprises); in the process of determining the corporate portrait score of the enterprise to be evaluated, if the enterprise to be evaluated is a large and medium-sized enterprise, then the corporate portrait score of the enterprise to be evaluated is composed of two parts: the business portrait score and the green portrait score; if the enterprise to be evaluated is a small and micro enterprise, then the corporate portrait score of the enterprise to be evaluated is only composed of the overall business green portrait score; based on the foregoing content, according to the enterprise scale of the enterprise to be evaluated, this plan proposes two methods to determine the corporate portrait score of the enterprise to be evaluated, and these two methods are explained below.

[0081] The first method to determine the corporate profile score of the company to be evaluated:

[0082] When the enterprise scale of the enterprise to be evaluated is the first preset enterprise scale (the enterprise to be evaluated is a large or medium-sized enterprise), the module scores of multiple preset operating modules are calculated based on the scores of the operating indicators and the comprehensive clustering coefficients of the operating indicators; the module scores of multiple preset green modules are calculated based on the scores of the green indicators and the comprehensive clustering coefficients of the green indicators;

[0083] The operating profile score of the enterprise to be evaluated is determined according to the module score of the operating module and the comprehensive clustering coefficient of the operating module. The green profile score of the enterprise to be evaluated is determined according to the module score of the green module and the comprehensive clustering coefficient of the green module. The operating profile score and the green profile score are combined to obtain the enterprise profile score of the enterprise to be evaluated.

[0084] Specifically, when the enterprise scale of the enterprise to be evaluated is the first preset enterprise scale, the operating indicators (secondary indicators) of the enterprise to be evaluated respectively constitute multiple operating modules (primary indicators), and the multiple operating modules include but are not limited to: business situation module, financial structure module, installed capacity module, product situation module, sponsor bank evaluation module, and government credit scoring module;

[0085] For example: Assuming that the industry to be evaluated is the power generation industry, the three operating indicators of operating income profit, operating income growth rate and profit growth rate constitute the operating situation module; the three operating indicators of operating net cash flow, accounts receivable turnover rate and debt-to-asset ratio constitute the financial structure module; the two operating indicators of unit type and single-unit installed capacity constitute the installed capacity module; the four operating indicators of main products, power generation, heat supply and heat supply ratio constitute the product situation module.

[0086] The comprehensive clustering coefficient of each business module is determined in advance. The method of determining the comprehensive clustering coefficient can refer to the above description on determining the comprehensive clustering coefficient of the business index and the green index, which will not be repeated here;

[0087] For example: the comprehensive clustering coefficient of the business situation module is 40%, the comprehensive clustering coefficient of the financial structure module is 30%, the comprehensive clustering coefficient of the installed status module is 10%, the comprehensive clustering coefficient of the product status module is 10%, and the comprehensive clustering coefficient of the sponsoring bank evaluation module is 10%.

[0088] The green indicators (secondary indicators) of the enterprise to be evaluated respectively constitute multiple green modules (primary indicators), which include but are not limited to: carbon emission module, energy consumption module, A-level performance module, environmental performance module, carbon reduction performance module and energy value module;

[0089] For example: assuming that the industry to be evaluated is the power generation industry, the carbon emission module is composed of the three green indicators of benchmark value deviation rate, power supply carbon emission intensity and heating carbon emission intensity; the energy consumption module is composed of the four green indicators of fuel consumption, power supply coal consumption, heating coal consumption and received basic element carbon content; the A-level performance module is composed of the green indicator of environmental performance rating; the environmental performance module is composed of the green indicator of environmental protection penalty; the carbon reduction performance module is composed of the three green indicators of quota surplus, purchase of carbon reduction products and pollution reduction and carbon reduction upgrades; the energy value module is composed of the three green indicators of platform usage, data early warning and green finance.

[0090] The comprehensive clustering coefficient of each green module is determined in advance. The method of determining the comprehensive clustering coefficient can refer to the above description on determining the comprehensive clustering coefficient of the operating index and the green index, which will not be repeated here;

[0091] For example: the comprehensive clustering coefficient of the carbon emission module is 30%, the comprehensive clustering coefficient of the energy consumption module is 30%, the comprehensive clustering coefficient of the A-level performance module is 10%, the comprehensive clustering coefficient of the environmental protection performance module is 10%, the comprehensive clustering coefficient of the carbon reduction performance module is 10%, and the comprehensive clustering coefficient of the energy value module is 10%.

[0092] For the module score of a certain business module, the scores of each business indicator constituting the business module are multiplied by the comprehensive clustering coefficient of each business indicator and the sum is taken to obtain the module score of the business module;

[0093] That is, the module score of the business module = the score of business indicator 1 * the comprehensive clustering coefficient of business indicator 1 + the score of business indicator 2 * the comprehensive clustering coefficient of business indicator 2 + ... + the score of business indicator n * the comprehensive clustering coefficient of business indicator n;

[0094] Among them, operating indicator 1 to operating indicator n are operating indicators that constitute the operating module, and a certain operating module may be composed of only one operating indicator.

[0095] Similarly, for the module score of a green module, the scores of each green indicator constituting the green module are multiplied by the comprehensive clustering coefficient of each green indicator and summed up to obtain the module score of the green module;

[0096] That is, the module score of the green module = the score of green indicator 1 * the comprehensive clustering coefficient of green indicator 1 + the score of green indicator 2 * the comprehensive clustering coefficient of green indicator 2 + ... + the score of green indicator m * the comprehensive clustering coefficient of green indicator m;

[0097] Among them, green index 1 to green index m are green indexes constituting the green module, and a certain green module may be composed of only one green index.

[0098] After calculating the module scores of each business module and each green module, the module scores of each business module are multiplied by the comprehensive clustering coefficient of each business module and the sum is taken to obtain the business profile score;

[0099] That is, the business portrait score = ∑ (module score of the business module * comprehensive clustering coefficient of the business module).

[0100] The green portrait score can be obtained by multiplying the module score of each green module by the comprehensive clustering coefficient of each green module and summing them up;

[0101] That is, green portrait score = ∑ (module score of green module * comprehensive clustering coefficient of green module).

[0102] The business portrait score of the company to be evaluated is calculated using the business portrait score, the proportion of the business portrait score, the green portrait score and the proportion of the green portrait score.

[0103] That is, the corporate portrait score of the enterprise to be evaluated = operating portrait score * proportion of operating portrait score + green portrait score * proportion of green portrait score.

[0104] For example: when the enterprise scale of the enterprise to be evaluated is the first preset enterprise scale, after calculating the business portrait score and green portrait score of the enterprise to be evaluated in the above method, the enterprise portrait score = business portrait score * 60% + green portrait score * 40%.

[0105] The above is the relevant explanation about the first method of determining the corporate portrait score of the enterprise to be evaluated (the enterprise scale of the enterprise to be evaluated is the first preset enterprise scale).

[0106] The second method to determine the corporate profile score of the company to be evaluated is:

[0107] When the enterprise scale of the enterprise to be evaluated is the second preset enterprise scale (the enterprise to be evaluated is a small and micro enterprise), the module scores of multiple preset operating green overall modules are calculated based on the scores of operating indicators, the comprehensive clustering coefficient of operating indicators, the scores of green indicators and the comprehensive clustering coefficient of green indicators; according to the module scores of the operating green overall modules and the comprehensive clustering coefficient of the operating green overall module, the enterprise portrait score of the enterprise to be evaluated is determined.

[0108] Specifically, when the enterprise scale of the enterprise to be evaluated is the second preset enterprise scale, the operating indicators (secondary indicators) and green indicators (secondary indicators) of the enterprise to be evaluated constitute multiple operating green overall modules (primary indicators), and these multiple operating green overall modules include but are not limited to: enterprise operating status module, enterprise qualification module, assessment title module, environmental performance module and credit information module;

[0109] For example: the enterprise operating status module is composed of the indicators of revenue changes, profit changes, social security, assets and liabilities, taxation, and operating status; the enterprise qualification module is composed of the indicators of administrative license and intellectual property certificate; the assessment title module is composed of the enterprise title; the environmental performance module is composed of the indicators of ESG rating, environmental penalties, environmental performance rating, and clean energy production; the credit information module is composed of the indicators of comprehensive credit score, breach of trust, administrative penalties, and execution information.

[0110] The comprehensive clustering coefficient of each green overall business module is determined in advance. The method of determining the comprehensive clustering coefficient can refer to the above description of determining the comprehensive clustering coefficient of the business index and the green index, which will not be repeated here;

[0111] For example: the comprehensive clustering coefficient of the enterprise business conditions module is 30%, the comprehensive clustering coefficient of the enterprise qualification module is 10%, the comprehensive clustering coefficient of the assessment title module is 15%, the comprehensive clustering coefficient of the environmental performance module is 20%, and the comprehensive clustering coefficient of the credit information module is 25%.

[0112] For the module score of a green overall operation module, the scores of each operating indicator and / or green indicator constituting the green overall operation module are multiplied by the corresponding comprehensive clustering coefficient and the sum is calculated to obtain the module score of the green overall operation module;

[0113] That is, the module score of the green overall management module = ∑ (the score of the indicator * the comprehensive clustering coefficient of the indicator), and the "indicator" here specifically refers to the operating indicators or green indicators that constitute the green overall management module.

[0114] After calculating the module scores of each green overall operation module, multiply the module scores of each green overall operation module by the comprehensive clustering coefficient of each green overall operation module and sum them up to obtain the green operation overall portrait score. At this time, the green operation overall portrait score is used as the enterprise portrait score of the enterprise to be evaluated;

[0115] That is to say, the overall green management portrait score (as the enterprise portrait score) = ∑ (module score of the overall green management module * comprehensive clustering coefficient of the overall green management module).

[0116] The above is the relevant explanation about the second method of determining the corporate portrait score of the enterprise to be evaluated (the enterprise scale of the enterprise to be evaluated is the second preset enterprise scale).

[0117] In some embodiments, after determining the corporate portrait score of the enterprise to be evaluated, the enterprise coefficient corresponding to the preset score range of the corporate portrait score is determined (for example, the range is 0.8-1.5); according to the corporate coefficient corresponding to the preset score range of the corporate portrait score, the credit line of the enterprise to be evaluated is determined, wherein the credit line = existing credit line * corporate coefficient, and the existing credit line is calculated based on the financial situation of the enterprise to be evaluated and the credit line measurement formula preset in the bank.

[0118] It should be noted that a plurality of preset scoring ranges are pre-set, and a corresponding enterprise coefficient is set for each preset scoring range. The corresponding relationship between the preset scoring range and the enterprise coefficient is as follows: Figure 2 As shown; after determining the corporate portrait score of the enterprise to be evaluated, refer to Figure 2 Determine the enterprise coefficient corresponding to the enterprise portrait score, and then use the determined enterprise coefficient to calculate the credit limit of the enterprise to be evaluated.

[0119] In an embodiment of the present invention, the scores of the operating indicators and green indicators of the enterprise to be evaluated are calculated, and then the enterprise portrait score of the enterprise to be evaluated is determined according to the score of the operating indicators, the comprehensive clustering coefficient of the operating indicators, the score of the green indicators and the comprehensive clustering coefficient of the green indicators. The enterprise portrait score is evaluated from multiple dimensions to improve the evaluation accuracy of the enterprise portrait score.

[0120] To better understand the above embodiments of the present invention Figure 1 In the content, take the enterprise scale of the enterprise to be evaluated as the first preset enterprise scale (large and medium-sized enterprises) as an example, from the perspective of practical application, combined with Figure 3 Another flowchart of a method for determining a corporate portrait score is shown as an example. Figure 3 The following steps are involved:

[0121] Step S301: Obtain the operating indicators and green indicators of the enterprise to be evaluated from a designated source.

[0122] In the process of implementing step S301, the carbon emission data, carbon reduction products, environmental penalties, government credit scores, financial related data, excellent enterprise whitelist and other data of the enterprise to be evaluated are obtained by using green and low-carbon monitoring platforms, data crawling and other methods, so as to obtain the operating indicators and green indicators of the enterprise to be evaluated.

[0123] Step S302: Calculate module scores of multiple business modules, and use the module scores of multiple business modules to calculate a business profile score.

[0124] In the specific implementation of step S302, the multiple operating modules include but are not limited to: business status module, financial structure module, installation status module, product status module, and sponsor bank evaluation module.

[0125] The module score of the operating situation module is calculated using the score of operating income profit (maximum 35 points), the score of operating income growth rate (maximum 35 points) and the profit growth rate (maximum 30 points), combined with the corresponding comprehensive clustering coefficient.

[0126] The module score of the financial structure module is calculated using the score of operating net cash flow (maximum 40 points), the score of accounts receivable turnover rate (maximum 30 points) and the score of debt-to-asset ratio (maximum 30 points), combined with the corresponding comprehensive clustering coefficient.

[0127] The module score of the installed capacity module is calculated by using the score of the unit type (maximum 56 points) and the score of the installed capacity of a single unit (maximum 44 points) in combination with the corresponding comprehensive clustering coefficient.

[0128] The module score of the product situation module is calculated by using the scores of the main products (maximum 25 points), the score of power generation (maximum 25 points), the score of heating amount (maximum 25 points) and the score of heating ratio (maximum 25 points), combined with the corresponding comprehensive clustering coefficient.

[0129] The module score of the sponsor bank evaluation module is calculated by using the score of the sponsor bank evaluation (maximum 100 points) combined with the corresponding comprehensive clustering coefficient.

[0130] Business portrait score = module score of business situation module*40% + module score of financial structure module*30% + module score of installed situation module*10% + module score of product situation module*10% + module score of sponsoring bank evaluation module*10%.

[0131] Step S303: Calculate module scores of multiple green modules, and use the module scores of multiple green modules to calculate a green portrait score.

[0132] In the specific implementation of step S303, the multiple green modules include but are not limited to: a carbon emission module, an energy consumption module, an A-level performance module, an environmental performance module, a carbon reduction performance module and an energy value module.

[0133] The module score of the carbon emission module is calculated using the score of the baseline deviation rate (maximum 30 points), the score of the power supply carbon emission intensity (maximum 35 points), and the score of the heating carbon emission intensity (maximum 35 points), combined with the corresponding comprehensive clustering coefficient.

[0134] The module score of the energy consumption module is calculated using the score of fuel consumption (maximum 25 points), the score of power supply coal consumption (maximum 25 points), the score of heating coal consumption (maximum 25 points) and the score of received element carbon content (maximum 25 points), combined with the corresponding comprehensive clustering coefficient.

[0135] The module score of the Chuang A performance module is calculated using the environmental performance rating score (maximum 100 points) combined with the corresponding comprehensive clustering coefficient.

[0136] The module score of the environmental performance module is calculated using the environmental penalty score (maximum 100 points) combined with the corresponding comprehensive clustering coefficient.

[0137] The module score of the carbon reduction performance module is calculated by using the score of the quota surplus (maximum 50 points), the score of the purchase of carbon reduction products (maximum 25 points) and the score of pollution reduction and carbon reduction upgrades (maximum 25 points), combined with the corresponding comprehensive clustering coefficient.

[0138] The module score of the energy value module is calculated using the platform usage score (maximum 35 points), data warning score (maximum 35 points) and green finance score (maximum 30 points), combined with the corresponding comprehensive clustering coefficient.

[0139] Green portrait score = module score of carbon emission module * 30% + module score of energy consumption module * 30% + module score of A-level performance module * 10% + module score of environmental performance module * 10% + module score of carbon reduction performance module * 10% + module score of energy value module * 10%.

[0140] Step S304: Calculate the enterprise portrait score of the enterprise to be evaluated based on the business portrait score and the green portrait score.

[0141] In the specific implementation process of step S304, the enterprise portrait score = business portrait score * 60% + green portrait score * 40%.

[0142] Step S305: Determine the credit limit of the enterprise to be evaluated according to the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

[0143] In the specific implementation of step S305, the credit limit = existing credit limit * enterprise coefficient.

[0144] It should be noted that the execution principle of the above steps S301 to S305 can be found in the implementation of the present invention. Figure 1 The content will not be repeated here.

[0145] Corresponding to the method for determining the enterprise portrait score provided in the above embodiment of the present invention, see Figure 4 , an embodiment of the present invention also provides a structural block diagram of a system for determining an enterprise portrait score, the system comprising: an acquisition unit 100, a calculation unit 200 and a first determination unit 300;

[0146] The acquisition unit 100 is used to acquire the operating indicators and green indicators of the enterprise to be evaluated.

[0147] The calculation unit 200 is used to calculate the scores of the business indicators and green indicators.

[0148] The first determination unit 300 is used to determine the enterprise portrait score of the enterprise to be evaluated based on the score of the operating indicators, the comprehensive clustering coefficient of the operating indicators, the score of the green indicators and the comprehensive clustering coefficient of the green indicators.

[0149] In an embodiment of the present invention, the scores of the operating indicators and green indicators of the enterprise to be evaluated are calculated, and then the enterprise portrait score of the enterprise to be evaluated is determined according to the score of the operating indicators, the comprehensive clustering coefficient of the operating indicators, the score of the green indicators and the comprehensive clustering coefficient of the green indicators. The enterprise portrait score is evaluated from multiple dimensions to improve the evaluation accuracy of the enterprise portrait score.

[0150] Preferably, combined Figure 4 The content shown, the enterprise scale of the enterprise to be evaluated is the first preset enterprise scale; the first determination unit 300 includes: a first calculation subunit, a second calculation subunit, a first determination subunit, a second determination subunit and a comprehensive subunit; the execution principle of each subunit is as follows:

[0151] The first calculation subunit is used to calculate the module scores of multiple preset business modules based on the scores of the business indicators and the comprehensive clustering coefficients of the business indicators.

[0152] The second calculation subunit is used to calculate the module scores of multiple preset green modules based on the scores of the green indicators and the comprehensive clustering coefficients of the green indicators.

[0153] The first determination subunit is used to determine the business profile score of the enterprise to be evaluated according to the module score of the business module and the comprehensive clustering coefficient of the business module.

[0154] The second determination subunit is used to determine the green portrait score of the enterprise to be evaluated according to the module score of the green module and the comprehensive clustering coefficient of the green module.

[0155] The comprehensive sub-unit is used to comprehensively evaluate the business profile score and the green profile score to obtain the corporate profile score of the company to be evaluated.

[0156] Preferably, combined Figure 4 The content shown, the enterprise scale of the enterprise to be evaluated is the second preset enterprise scale; the first determination unit 300 includes a third calculation subunit and a third determination subunit, and the execution principle of each subunit is as follows:

[0157] The third calculation subunit is used to calculate the module scores of multiple preset business green overall modules based on the scores of business indicators, the comprehensive clustering coefficients of business indicators, the scores of green indicators and the comprehensive clustering coefficients of green indicators.

[0158] The third determination sub-unit is used to determine the enterprise portrait score of the enterprise to be evaluated according to the module score of the overall green business operation module and the comprehensive clustering coefficient of the overall green business operation module.

[0159] Preferably, combined Figure 4 The system further comprises:

[0160] The second determination unit is used to determine the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

[0161] The third determination unit is used to determine the credit limit of the enterprise to be evaluated according to the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

[0162] Preferably, an embodiment of the present invention also provides an electronic device, comprising: a processor and a memory, the processor and the memory being connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; the memory is used to store the program, and the program is used to implement the method for determining the enterprise portrait score provided in the above method embodiment.

[0163] Preferably, an embodiment of the present invention further provides a computer-readable storage medium, in which computer-executable instructions are stored, and the computer-executable instructions are used to execute the method for determining the enterprise portrait score provided in the above method embodiment.

[0164] In summary, the embodiments of the present invention provide a method, system, electronic device and storage medium for determining an enterprise portrait score, calculate the scores of the operating indicators and green indicators of the enterprise to be evaluated, and then determine the enterprise portrait score of the enterprise to be evaluated according to the scores of the operating indicators, the comprehensive clustering coefficient of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficient of the green indicators, evaluate the enterprise portrait score from multiple dimensions, and improve the evaluation accuracy of the enterprise portrait score.

[0165] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without creative work.

[0166] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0167] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the 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 determining a corporate profile score, characterized in that: The method comprises: Obtain the operating indicators and green indicators of the enterprise to be evaluated; Calculating the scores of the operating indicators and the green indicators; Based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators, the corporate portrait score of the enterprise to be evaluated is determined.

2. The method according to claim 1, characterized in that The enterprise scale of the enterprise to be evaluated is the first preset enterprise scale; Based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators, the enterprise portrait score of the enterprise to be evaluated is determined, including: Calculating module scores of a plurality of preset business modules based on the scores of the business indicators and the comprehensive clustering coefficients of the business indicators; Calculating module scores of a plurality of preset green modules based on the scores of the green indicators and the comprehensive clustering coefficients of the green indicators; Determine the business profile score of the enterprise to be evaluated according to the module score of the business module and the comprehensive clustering coefficient of the business module; Determine the green profile score of the enterprise to be evaluated according to the module score of the green module and the comprehensive clustering coefficient of the green module; The business portrait score and the green portrait score are combined to obtain the enterprise portrait score of the enterprise to be evaluated.

3. The method according to claim 1, characterized in that The enterprise scale of the enterprise to be evaluated is the second preset enterprise scale; Based on the scores of the operating indicators, the comprehensive clustering coefficients of the operating indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators, the enterprise portrait score of the enterprise to be evaluated is determined, including: Calculating module scores of a plurality of preset green overall business modules based on the scores of the business indicators, the comprehensive clustering coefficients of the business indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators; According to the module score of the overall green business operation module and the comprehensive clustering coefficient of the overall green business operation module, the enterprise portrait score of the enterprise to be evaluated is determined.

4. The method according to any one of claims 1 to 3, characterized in that: After obtaining the enterprise profile score of the enterprise to be evaluated, it also includes: Determine the enterprise coefficient corresponding to the preset score range within which the enterprise portrait score falls; The credit limit of the enterprise to be evaluated is determined according to the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

5. A system for determining a corporate profile score, characterized in that: The system comprises: An acquisition unit, used to acquire the operating indicators and green indicators of the enterprise to be evaluated; A calculation unit, used to calculate the scores of the operating index and the green index; The first determination unit is used to determine the enterprise portrait score of the enterprise to be evaluated based on the score of the operating indicator, the comprehensive clustering coefficient of the operating indicator, the score of the green indicator and the comprehensive clustering coefficient of the green indicator.

6. The system according to claim 5, characterized in that The enterprise scale of the enterprise to be evaluated is a first preset enterprise scale; and the first determining unit includes: A first calculation subunit, configured to calculate module scores of a plurality of preset business modules based on the scores of the business indicators and the comprehensive clustering coefficients of the business indicators; A second calculation subunit, configured to calculate module scores of a plurality of preset green modules based on the scores of the green indicators and the comprehensive clustering coefficients of the green indicators; A first determination subunit is used to determine the business profile score of the enterprise to be evaluated according to the module score of the business module and the comprehensive clustering coefficient of the business module; A second determination subunit is used to determine the green portrait score of the enterprise to be evaluated according to the module score of the green module and the comprehensive clustering coefficient of the green module; The comprehensive subunit is used to comprehensively combine the business portrait score and the green portrait score to obtain the enterprise portrait score of the enterprise to be evaluated.

7. The system according to claim 5, characterized in that The enterprise scale of the enterprise to be evaluated is a second preset enterprise scale; and the first determining unit includes: A third calculation subunit, configured to calculate module scores of a plurality of preset business green overall modules based on the scores of the business indicators, the comprehensive clustering coefficients of the business indicators, the scores of the green indicators and the comprehensive clustering coefficients of the green indicators; The third determination subunit is used to determine the enterprise portrait score of the enterprise to be evaluated according to the module score of the overall green business operation module and the comprehensive clustering coefficient of the overall green business operation module.

8. The system according to any one of claims 5 to 7, characterized in that: Also includes: A second determination unit is used to determine the enterprise coefficient corresponding to the preset score range of the enterprise portrait score; The third determination unit is used to determine the credit limit of the enterprise to be evaluated according to the enterprise coefficient corresponding to the preset score range of the enterprise portrait score.

9. An electronic device, characterized in that: include: A processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; The memory is used to store a program, and the program is used to implement the method for determining a corporate portrait score as described in any one of claims 1-4.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to execute the method for determining a corporate portrait score as described in any one of claims 1-4.

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