Enterprise risk monitoring method, system and device and storage medium

Abstract

The invention relates to an enterprise risk monitoring method, system and device and a storage medium. The method comprises the following steps: collecting multi-dimensional enterprise risk feature data and preprocessing the multi-dimensional enterprise risk feature data; respectively calculating financial risk scores, market risk scores, operation risk scores, law and compliance risk scores and environment and social risk scores of the enterprises based on the multi-dimensional enterprise risk feature data, and carrying out weighted summation on the scores to obtain comprehensive risk scores of the enterprises; constructing a risk score correction model, and correcting the comprehensive risk score of the enterprise through the risk score correction model to obtain a corrected enterprise risk score; a plurality of enterprise risk levels are constructed, each risk enterprise level corresponds to an enterprise risk score interval, the risk level of the current enterprise is judged according to the interval where the corrected enterprise risk score is located, and corresponding measures are taken according to the risk level.

Description

Technical Field

[0001] The present invention relates to an enterprise risk monitoring method, system, equipment and storage medium, belonging to the technical field of enterprise risk assessment. Background Art

[0002] Enterprises face a variety of risks during their operations, including legal risks, financial risks, market competition risks, environmental protection risks, and other areas. In order to cope with these challenges, enterprises usually rely on a series of compliance management technologies and tools, such as compliance audits, risk assessment models, and automated monitoring systems. These technologies help enterprises identify and prevent potential risks. However, existing risk assessment and management technologies have certain shortcomings; The invention patent with publication number "CN116402630A" discloses a financial risk prediction method and system based on representation learning, the method comprising the following steps: obtaining a financial text set containing M financial texts; vectorizing each financial text to obtain a corresponding text vector sequence, and obtaining a corresponding text feature vector based on the text vector sequence and the financial text representation model; obtaining a risk term set containing N risk terms; obtaining a term feature vector corresponding to each risk term based on the risk term set and the financial text representation model; for the M text feature vectors and the N term feature vectors, calculating the cosine similarity based on cross-attention and constructing a similarity matrix; splitting the similarity matrix into column vectors, and obtaining the financial risk prediction results based on the column vectors and the financial risk prediction model; the invention improves the real-time, accuracy and applicability of financial risk prediction, and achieves the purpose of arbitrary financial risk prediction of custom terms.

[0003] However, the above plan only proposes a financial risk forecast for the enterprise. The evaluation process does not fully consider the dynamic changes in the external environment, such as market changes, legal and policy changes, etc., and fails to effectively deal with complex multi-dimensional risks. As a result, the evaluation results may not accurately reflect the compliance challenges faced by the enterprise in actual operations. Summary of the invention

[0004] In order to solve the above problems existing in the prior art, the present invention proposes an enterprise risk monitoring method, system, device and storage medium.

[0005] The technical solution of the present invention is as follows: In one aspect, the present invention provides a method for enterprise risk monitoring, comprising the following steps: Collect multi-dimensional enterprise risk characteristic data and pre-process the multi-dimensional enterprise risk characteristic data; Based on multi-dimensional enterprise risk characteristic data, calculate the enterprise's financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score; The comprehensive risk score of the enterprise is obtained by weighted summing up the enterprise's financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score; Construct a risk score correction model, and use the risk score correction model to correct the comprehensive risk score of the enterprise to obtain the corrected enterprise risk score; Construct multiple enterprise risk levels, each risk enterprise level corresponds to an enterprise risk score range, judge the current enterprise risk level according to the range where the revised enterprise risk score is located, and take corresponding measures based on the risk level.

[0006] As a preferred embodiment of the present invention, the financial risk score calculation formula of the enterprise is: ; in: It represents the coefficient of financial structure robustness; It represents the annual volatility of the company’s net profit; It indicates the total number of classification items in the asset-liability structure; Indicates the enterprise’s Total value of assets; Indicates the enterprise’s Total value of liabilities; Represents the financial risk score of the enterprise.

[0007] As a preferred embodiment of the present invention, the market risk score calculation formula of the enterprise is: ; in: represents the market adjustment coefficient; Indicates the total period of time; Indicates The rate of change of market share over a period of time; Indicates The weight factor of each time period; Indicates the total number of competitors; represents the market share of the jth competitor; Represents the market risk score of the enterprise.

[0008] As a preferred embodiment of the present invention, the calculation formula for the enterprise's operational risk score is: ; in: Indicates the total number of operating hours; Indicates The loss value caused by the operational incident; Indicates The completion time of the operational event; Indicates the average completion time of an operational event; Represents the total number of suppliers in the enterprise's supply chain; Indicates the credit score of each supplier; represents the supplier sensitivity factor; Represents the operational risk score.

[0009] As a preferred embodiment of the present invention, the calculation formula for the legal and compliance risk score of the enterprise is: ; in: represents the legal liability coefficient; represents the total number of legal cases filed by the enterprise; Indicates the amount of fines incurred in legal cases; Indicates The probability of a violation resulting in a legal case; Indicates Mitigation index of legal cases; represents the total number of compliance requirements; Indicates the complexity of the compliance requirements; Indicates that the enterprise The pass rate of the compliance requirements; Represents the Legal and Compliance risk score.

[0010] As a preferred embodiment of the present invention, the environmental and social risk score calculation formula of the enterprise is: ; in: represents the environmental adjustment factor; Indicates the total number of environmental impact events of the enterprise; Indicates Emissions of the environmental impact event; Indicates Environmental governance funding for each environmental impact event; Indicates the total number of corporate social responsibility activities; Indicates Number of people covered by each social responsibility activity; Indicates the total number of environmental protection measures taken by the enterprise; Indicates The return on investment of environmental protection measures; Indicates the environmental and social risk score of the enterprise.

[0011] As a preferred embodiment of the present invention, the risk score correction model is constructed based on a machine learning model; Construct enterprise risk indicators, collect risk indicator values ​​corresponding to historical risk events of the enterprise, and have experts score the historical risk events of the enterprise based on the risk indicator values; The risk indicator values, expert ratings, and enterprise risk scores corresponding to historical risk events in the enterprise are input into the machine learning model for training; The enterprise risk score is corrected through the trained machine learning model to obtain a corrected enterprise risk score.

[0012] On the other hand, the present invention also provides an enterprise risk monitoring system, including a data collection module, a comprehensive risk assessment module, a risk score correction module and a risk grading module.

[0013] The data collection module is used to collect multi-dimensional enterprise risk feature data and pre-process the multi-dimensional enterprise risk feature data; The comprehensive risk assessment module is used to calculate the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of the enterprise based on the multi-dimensional enterprise risk feature data; the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of the enterprise are weighted and summed to obtain the comprehensive risk score of the enterprise; The risk score correction module is used to construct a risk score correction model, and correct the comprehensive risk score of the enterprise through the risk score correction model to obtain a corrected enterprise risk score; The risk grading module is used to construct multiple enterprise risk levels, each risk enterprise level corresponds to an enterprise risk score interval, the risk level of the current enterprise is determined according to the interval where the revised enterprise risk score is located, and corresponding measures are taken according to the risk level.

[0014] On the other hand, the present invention further provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method described in any embodiment of the present invention when executing the program.

[0015] In yet another aspect, the present invention further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method described in any embodiment of the present invention.

[0016] The present invention has the following beneficial effects: 1. The present invention adopts a multi-dimensional risk assessment method, combining financial risk, market risk, operational risk, legal and compliance risk, environmental and social responsibility and other fields to provide a comprehensive compliance assessment. By introducing complex mathematical models and algorithms, it is possible to perform weighted analysis between various dimensions, comprehensively identify various risks faced by enterprises, and thus provide enterprises with a more accurate compliance risk profile. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 The figure is a flow chart of the method of the present invention. DETAILED DESCRIPTION

[0018] 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.

[0019] It should be understood that the step numbers used in this document are only for convenience of description and are not intended to limit the order in which the steps are executed.

[0020] It should be understood that the terms used in the present specification are only for the purpose of describing specific embodiments and are not intended to limit the present invention. As used in the present specification and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0021] The terms “include” and “comprising” indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or combinations thereof.

[0022] The term "and / or" means and includes any and all possible combinations of one or more of the associated listed items.

[0023] Embodiment 1: See also Figure 1 , an enterprise risk monitoring method, comprising the following steps: Collect multi-dimensional enterprise risk characteristic data and pre-process the multi-dimensional enterprise risk characteristic data; Based on multi-dimensional enterprise risk characteristic data, calculate the enterprise's financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score; The comprehensive risk score of the enterprise is obtained by weighted summing up the enterprise's financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score; Construct a risk score correction model, and use the risk score correction model to correct the comprehensive risk score of the enterprise to obtain the corrected enterprise risk score; Construct multiple enterprise risk levels, each risk enterprise level corresponds to an enterprise risk score range, judge the current enterprise risk level according to the range where the revised enterprise risk score is located, and take corresponding measures based on the risk level.

[0024] As a preferred implementation of this embodiment, the calculation formula for the financial risk score of the enterprise is: ; in: It represents the financial structure robustness coefficient, which reflects the financial structure's ability to resist financial risks. For example, when the financial leverage is high, this parameter may increase, thereby increasing the financial risk score. It represents the annual volatility of the company’s net profit; It indicates the total number of classification items in the asset-liability structure; Indicates the enterprise’s Total value of assets; Indicates the enterprise’s Total value of liabilities; Indicates the financial risk score of the enterprise; The specific calculation formula of the financial structure robustness coefficient is: ; in: , , , Respectively represent weight parameters; represents the long-term capital ratio, ; Indicates the interest coverage ratio. ; represents the current ratio, ; represents the shareholders' equity ratio, If a company significantly increases its equity financing, the shareholders' equity ratio will rise, but if profitability is insufficient, the interest coverage ratio may not be the main risk, while dilution of earnings per share may be another consideration. If a company relies heavily on long-term debt, an increase in the long-term capital ratio will certainly improve its stability, but at the same time, attention must also be paid to the impact of increased interest expenses on profits.

[0025] As a preferred implementation of this embodiment, the market risk score calculation formula of the enterprise is: ; in: It represents the market adjustment coefficient, which is obtained by weighted summing up factors such as market price fluctuation (the change range of market price (or price index) in a specific time period (such as month, quarter, year), market share change (the change in market share of different products / businesses / regions (which can be an increase or decrease)), competition intensity (market strength or share index of competitors (which can also be the number of competitors, comprehensive score of competitors, etc.)), and macroeconomic influence (such as GDP growth rate, interest rate, inflation rate, exchange rate fluctuation, consumer confidence index, etc.); Indicates the total period of time; Indicates The rate of change of market share over a period of time; Indicates The weight factor of each time period; Indicates the total number of competitors; Indicates the market share of competitors; Represents the market risk score of the enterprise.

[0026] As a preferred implementation of this embodiment, the calculation formula for the enterprise's operational risk score is: ; in: Indicates the total number of operating hours; Indicates The loss value caused by the operational incident; Indicates The completion time of the operational event; Indicates the average completion time of an operational event; Represents the total number of suppliers in the enterprise's supply chain; Indicates the credit score of each supplier; It represents the supplier sensitivity factor. The larger the value, the more sensitive it is to supplier-related risks or fluctuations. The smaller the value, the lower the sensitivity to supplier changes. represents the operational risk score; The supplier sensitivity factor calculation formula is: ; in: It represents the global synergy amplification factor, reflecting the mutual influence between multiple indicators; Indicates Scaling factors for different suppliers to convert different dimensions Adjust to the appropriate range; Indicates Risk indicators / characteristics of each supplier (e.g., supplier’s on-time delivery rate, quality compliance rate, financial stability, geopolitical risk factor, credit score); Indicates Risk indicators / characteristics of each supplier; Indicates Supplier and The interaction coefficient between suppliers describes the risk linkage or synergy relationship between suppliers. A larger value will significantly increase the sensitivity, reflecting the risk of resonance or chain reaction between the two suppliers.

[0027] As a preferred implementation of this embodiment, the calculation formula for the legal and compliance risk score of the enterprise is: ; in: It represents the legal liability coefficient, which is an empirical coefficient used to adjust the impact of legal liability or litigation risk on financial status, reflecting the risk level of legal disputes, fines or litigation results on corporate operations; represents the total number of legal cases filed by the enterprise; Indicates the amount of fines incurred in legal cases; Indicates The probability of a violation resulting in a legal case; Indicates Mitigation index of legal cases; represents the total number of compliance requirements; Indicates the complexity of the compliance requirements; Indicates that the enterprise The pass rate of the compliance requirements; represents the legal and compliance risk score; Compliance requirements refer to the laws, regulations, standards, policies and industry norms that enterprises, organizations or individuals must follow during their operations. These requirements are intended to ensure the legality, transparency and ethics of corporate behavior, reduce legal risks, and safeguard public interests, environmental protection and other requirements. Compliance requirements usually cover multiple areas, and the specific content varies depending on the industry, region and company type.

[0028] As a preferred implementation of this embodiment, the environmental and social risk score calculation formula of the enterprise is: ; in: It represents the environmental adjustment coefficient, which is an empirical coefficient used to measure the degree to which an enterprise or organization is affected by environmental factors (such as natural environment, policy environment, social responsibility, etc.) during its operation. It reflects the flexibility and adaptability of the enterprise in responding to environmental changes (such as climate change, resource constraints, regulatory requirements, environmental protection policies, etc.); Indicates the total number of environmental impact events of the enterprise; Indicates Emissions of the environmental impact event; Indicates Environmental governance funding for each environmental impact event; Indicates the total number of corporate social responsibility activities; Indicates Number of people covered by each social responsibility activity; Indicates the total number of environmental protection measures taken by the enterprise; Indicates The return on investment of environmental protection measures; Indicates the environmental and social risk score of the enterprise.

[0029] As a preferred implementation of this embodiment, the risk score correction model is constructed based on a machine learning model, and the machine learning model can adopt: linear regression model, XGBoost, random forest and support vector machine; Construct enterprise risk indicators (such as financial indicators, market dynamics, operational records, compliance events, environmental and social impacts, etc.), collect risk indicator values ​​corresponding to historical risk events of the enterprise, and have experts score the historical risk events of the enterprise based on the risk indicator values; The risk index values, expert ratings, and enterprise risk ratings corresponding to historical risk events in the enterprise are input into the machine learning model for training. During training, the machine learning model parameters are adjusted according to the loss of the enterprise risk rating and the expert rating. When the loss of the machine learning model reaches a preset threshold, the trained machine learning model is obtained. Input the enterprise's multi-dimensional enterprise risk characteristic data and the calculated enterprise risk score into the trained machine learning model to obtain a revised enterprise risk score; In this embodiment, five enterprise risk levels are constructed, namely, level A, level B, level C, level D, and level E; Grade A (low risk): low risk score, overall stable operations, and excellent financial and compliance performance; Management measures: Continuous risk monitoring and regular internal audits; maintaining the effectiveness of the existing risk management system; continuously optimizing corporate governance structure and processes; providing risk management training and strengthening risk culture building; Level B (lower risk): less risk, but with occasional small-scale compliance or financial issues; Management measures: Establish a risk early warning mechanism to prevent potential risks; strengthen compliance audits to ensure the implementation of policies and regulations; conduct special monitoring of key risk areas; optimize resource allocation to reduce redundancy and waste.

[0030] Level C (medium risk): moderate risk exists and some compliance or financial issues require special attention; Management measures: Launch a special rectification plan to gradually eliminate potential risks; strengthen internal audits and external risk assessments; enhance corporate legal compliance awareness and strictly implement compliance procedures; establish a risk management team and report risk status regularly.

[0031] Level D (higher risk): high risk, major hidden dangers, and immediate measures are required; Management measures: Launch special risk audits to thoroughly identify risk sources; establish risk emergency plans to prevent risk escalation; increase investment in legal and compliance resources to prevent compliance risks; adjust financial structure to reduce financial leverage and liability risks.

[0032] Level E (high risk): extremely high risk, the enterprise faces serious operational and compliance issues and may require external intervention; Management measures: Launch a comprehensive risk emergency response mechanism; report risk status to shareholders and regulators; hire external experts or institutions to conduct comprehensive risk audits; formulate corporate risk restructuring or bankruptcy protection plans; optimize debt structure and prevent debt defaults.

[0033] Embodiment 2: An enterprise risk monitoring system includes a data collection module, a comprehensive risk assessment module, a risk score correction module and a risk grading module.

[0034] The data collection module is used to collect multi-dimensional enterprise risk feature data and pre-process the multi-dimensional enterprise risk feature data; The comprehensive risk assessment module is used to calculate the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of the enterprise based on the multi-dimensional enterprise risk feature data; the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of the enterprise are weighted and summed to obtain the comprehensive risk score of the enterprise; The risk score correction module is used to construct a risk score correction model, and correct the comprehensive risk score of the enterprise through the risk score correction model to obtain a corrected enterprise risk score; The risk grading module is used to construct multiple enterprise risk levels, each risk enterprise level corresponds to an enterprise risk score interval, the risk level of the current enterprise is determined according to the interval where the revised enterprise risk score is located, and corresponding measures are taken according to the risk level.

[0035] The system is used to implement the method in Example 1, which will not be described in detail here.

[0036] Embodiment three: This embodiment provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method described in any embodiment of the present invention when executing the program.

[0037] Embodiment 4: This embodiment provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the method described in any embodiment of the present invention is implemented.

[0038] Embodiment five: This embodiment provides a fund management system, which is used to centrally and finely manage the funds of corporate customers. The fund management system includes a corporate customer credit assessment function, which uses the corporate risk monitoring method described in Implementation 1 to perform credit assessment on corporate customer funds. The fund management system is based on a microservice architecture, using the Laravel framework and Redis cache technology to achieve efficient management and risk assessment of corporate customer funds. It mainly includes the following modules: Data collection module: real-time collection of characteristic data such as corporate customers' capital flows, transaction records, account balances, etc.

[0039] Funds management module: realizes functions such as fund recharge, transfer, and refund for corporate customers to ensure the real-time and accuracy of transactions.

[0040] Credit assessment module: Based on a multi-dimensional risk assessment method, credit limit assessment is performed for corporate customers.

[0041] Risk monitoring and early warning module: Through comprehensive risk scoring and dynamic monitoring, real-time early warning of potential risks (such as abnormal transactions and capital shortages) is provided.

[0042] The specific credit assessment process for corporate customers is as follows: Collect multi-dimensional data from corporate customers’ capital transaction history, credit scores, market behavior, etc., and perform deduplication, normalization, and feature enhancement; Calculate the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of corporate customers based on their multi-dimensional data; The scores are weighted and summed to calculate the comprehensive risk score, and the score is revised using a machine learning model to fully consider the dynamic behavior and special circumstances of corporate customers; Based on the revised comprehensive risk score, the system divides corporate customers into five risk levels (A to E). For example: Class A customers (low risk): granted a higher credit limit and enjoy preferential interest rates.

[0043] E-level customers (high risk): restrict or cancel credit and provide improvement suggestions.

[0044] The system can realize centralized and intelligent management of corporate customer funds and improve transaction efficiency; enhance the scientific nature of corporate customer credit decisions and reduce default risks; provide accurate risk warnings and ensure fund security and compliance.

[0045] In the embodiments of the present application, "at least one" refers to one or more, and "more than one" refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent the existence of A alone, the existence of A and B at the same time, and the existence of B alone. Among them, A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "At least one of the following" and similar expressions refer to any combination of these items, including any combination of single or plural items. For example, at least one of a, b and c can be represented by: a, b, c, a and b, a and c, b and c, or a and b and c, where a, b, c can be single or multiple.

[0046] Those of ordinary skill in the art will appreciate that the various units and algorithm steps described in the embodiments disclosed herein can be implemented in a combination of electronic hardware, computer software, and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can 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 this application.

[0047] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0048] In several embodiments provided in the present application, if any function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art or the part of the technical solution, can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory; hereinafter referred to as: ROM), random access memory (Random Access Memory; hereinafter referred to as: RAM), disk or optical disk, and other media that can store program codes.

[0049] The above descriptions are merely embodiments of the present invention and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A method for monitoring enterprise risk, characterized in that: The following steps are involved: Collect multi-dimensional enterprise risk characteristic data and pre-process the multi-dimensional enterprise risk characteristic data; Based on multi-dimensional enterprise risk characteristic data, calculate the enterprise's financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score; The comprehensive risk score of the enterprise is obtained by weighted summing up the enterprise's financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score; Construct a risk score correction model, and use the risk score correction model to correct the comprehensive risk score of the enterprise to obtain the corrected enterprise risk score; Construct multiple enterprise risk levels, each risk enterprise level corresponds to an enterprise risk score range, judge the current enterprise risk level according to the range where the revised enterprise risk score is located, and take corresponding measures based on the risk level.

2. The enterprise risk monitoring method according to claim 1, characterized in that: The calculation formula for the financial risk score of the enterprise is: ； in: It represents the coefficient of financial structure robustness; It represents the annual volatility of the company’s net profit; It indicates the total number of classification items in the asset-liability structure; Indicates the enterprise’s Total value of assets; Indicates the enterprise’s Total value of liabilities; Represents the financial risk score of the enterprise.

3. The enterprise risk monitoring method according to claim 1, characterized in that: The market risk score calculation formula for the enterprise is: ； in: represents the market adjustment coefficient; Indicates the total period of time; Indicates The rate of change of market share over a period of time; Indicates The weight factor of each time period; Indicates the total number of competitors; Indicates the market share of competitors; Represents the market risk score of the enterprise.

4. The enterprise risk monitoring method according to claim 1, characterized in that: The calculation formula for the enterprise's operational risk score is: ； in: Indicates the total number of operating hours; Indicates The loss value caused by the operational incident; Indicates The completion time of the operational event; Indicates the average completion time of an operational event; Represents the total number of suppliers in the enterprise's supply chain; Indicates the credit score of each supplier; represents the supplier sensitivity factor; Represents the operational risk score.

5. The enterprise risk monitoring method according to claim 1, characterized in that: The calculation formula for the legal and compliance risk score of the enterprise is: ； in: represents the legal liability coefficient; represents the total number of legal cases filed by the enterprise; Indicates the amount of fines incurred in legal cases; Indicates The probability of a violation resulting in a legal case; Indicates Mitigation index of legal cases; represents the total number of compliance requirements; Indicates the complexity of the compliance requirements; Indicates that the enterprise The pass rate of the compliance requirements; Represents the Legal and Compliance risk score.

6. The enterprise risk monitoring method according to claim 1, characterized in that: The environmental and social risk score calculation formula for the enterprise is: ； in: represents the environmental adjustment factor; Indicates the total number of environmental impact events of the enterprise; Indicates Emissions of the environmental impact event; Indicates Environmental governance funding for each environmental impact event; Indicates the total number of corporate social responsibility activities; Indicates Number of people covered by each social responsibility activity; Indicates the total number of environmental protection measures taken by the enterprise; Indicates The return on investment of environmental protection measures; Indicates the environmental and social risk score of the enterprise.

7. The enterprise risk monitoring method according to claim 1, characterized in that: The risk score correction model is constructed based on a machine learning model; Construct enterprise risk indicators, collect risk indicator values ​​corresponding to historical risk events of the enterprise, and have experts score the historical risk events of the enterprise based on the risk indicator values; The risk indicator values, expert ratings, and enterprise risk scores corresponding to historical risk events in the enterprise are input into the machine learning model for training; The enterprise risk score is corrected through the trained machine learning model to obtain a corrected enterprise risk score.

8. An enterprise risk monitoring system, characterized in that: It includes data collection module, comprehensive risk assessment module, risk score correction module and risk grading module; The data collection module is used to collect multi-dimensional enterprise risk feature data and pre-process the multi-dimensional enterprise risk feature data; The comprehensive risk assessment module is used to calculate the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of the enterprise based on the multi-dimensional enterprise risk feature data; the financial risk score, market risk score, operational risk score, legal and compliance risk score, and environmental and social risk score of the enterprise are weighted and summed to obtain the comprehensive risk score of the enterprise; The risk score correction module is used to construct a risk score correction model, and correct the comprehensive risk score of the enterprise through the risk score correction model to obtain a corrected enterprise risk score; The risk grading module is used to construct multiple enterprise risk levels, each risk enterprise level corresponds to an enterprise risk score interval, the risk level of the current enterprise is determined according to the interval where the revised enterprise risk score is located, and corresponding measures are taken according to the risk level.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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