Enterprise credit line determination method and device, equipment, storage medium and program product

Abstract

The embodiment of the invention provides an enterprise credit line determination method and device, equipment, a storage medium and a program product, and relates to the field of financial science and technology or other related fields. The method comprises the steps that a credit granting application sent by a user is received, the credit granting application comprises identification information of a first enterprise, first enterprise asset information is determined according to the identification information of the first enterprise, and first enterprise basic information is determined through a tax system according to the identification information of the first enterprise, and determining a credit line for the first enterprise according to the first enterprise asset information and the first enterprise basic information. According to the method provided by the invention, the enterprise credit line is determined based on the first enterprise asset information and the first enterprise basic information, so that the effect of improving the accuracy of the determined credit line is achieved.

Description

Technical Field

[0001] The present application relates to the field of financial technology or other related fields, and in particular to a method, device, equipment, storage medium and program product for determining an enterprise credit limit. Background Art

[0002] In recent years, small and micro enterprises have developed rapidly and have played an important role in the national economy. Tax loans refer to loans that are granted after reviewing the customer's tax behavior, business stability, and development prospects.

[0003] At present, when banks determine the credit line of an enterprise, they determine the credit line based on the asset information of the enterprise in the bank. For example, when the asset information belongs to the first range, the credit line is the first limit; when the asset information belongs to the second range, the credit line is the second limit. The above method of calculating the credit line is not accurate enough. Summary of the invention

[0004] The present application provides a method, device, equipment, storage medium and program product for determining an enterprise credit limit, which are used to solve the technical problem of inaccurate credit limit calculation.

[0005] In a first aspect, the present application provides a method for determining a credit limit for an enterprise, comprising:

[0006] receiving a credit application sent by a user, wherein the credit application includes identification information of the first enterprise;

[0007] Determine the asset information of the first enterprise according to the identification information of the first enterprise, and determine the basic information of the first enterprise through the tax system according to the identification information of the first enterprise;

[0008] A credit limit for the first enterprise is determined based on the first enterprise asset information and the first enterprise basic information.

[0009] In a second aspect, the present application provides a device for determining a credit limit for an enterprise, comprising:

[0010] A receiving module, configured to receive a credit application sent by a user, wherein the credit application includes identification information of the first enterprise;

[0011] An information determination module, used to determine the asset information of the first enterprise according to the identification information of the first enterprise, and determine the basic information of the first enterprise through the tax system according to the identification information of the first enterprise;

[0012] A credit limit determination module is used to determine the credit limit for the first enterprise based on the asset information of the first enterprise and the basic information of the first enterprise.

[0013] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory communicatively connected to the processor;

[0014] The memory stores computer-executable instructions;

[0015] The processor executes the computer-executable instructions stored in the memory to implement the method according to the first aspect.

[0016] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method described in the first aspect.

[0017] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the method described in the first aspect.

[0018] The enterprise credit limit determination method, apparatus, equipment, storage medium and program product provided in the present application receive a credit application sent by a user, wherein the credit application includes identification information of a first enterprise, determines the asset information of the first enterprise based on the identification information of the first enterprise, determines the basic information of the first enterprise through a tax system based on the identification information of the first enterprise, determines the credit limit for the first enterprise based on the asset information of the first enterprise and the basic information of the first enterprise, and achieves the effect of improving the accuracy of the determined credit limit by determining the enterprise credit limit based on the asset information of the first enterprise and the basic information of the first enterprise. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0020] Figure 1 An application scenario diagram provided for an embodiment of the present invention;

[0021] Figure 2 A flow chart of a method for determining a credit limit for an enterprise provided by an embodiment of the present invention;

[0022] Figure 3 A schematic diagram of encrypted data transmission between a banking system and a tax system provided by an embodiment of the present invention;

[0023] Figure 4 A tax loan application flow chart provided for an embodiment of the present invention;

[0024] Figure 5 A schematic diagram of the structure of a device for determining a credit limit for an enterprise provided by an embodiment of the present invention;

[0025] Figure 6 A schematic diagram of the hardware structure of an electronic device provided by an embodiment of the present invention.

[0026] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0027] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0028] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0029] In addition, this application involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and the use of artificial intelligence technology for automated decision-making, and a technical solution for making decisions that have a significant impact on personal rights and interests based on the results of automated decision-making. The application provides users with corresponding operation entrances for them to choose to agree or reject the results of automated decision-making; if the user chooses to reject, the expert decision-making process will be entered.

[0030] It should be noted that the enterprise credit limit determination method, device, equipment, storage medium and program product provided in this application can be used in the field of financial technology, and can also be used in any field other than financial technology. The application field of the enterprise credit limit determination method, device, equipment, storage medium and program product in this application is not limited.

[0031] The specific application scenario of this application is the process of how the bank determines the credit line when the enterprise applies for a tax loan from the bank. In the prior art, when the bank determines the credit line of the enterprise's tax loan, it will simply determine it based on the asset information of the enterprise in the bank. For example, the asset information of the enterprise can be queried. When the asset information belongs to the first interval, the credit line is determined to be the first limit. When the asset information belongs to the second interval, the credit line is determined to be the second limit. The above process of determining the credit line relies only on the asset information of the enterprise, which will have the problem of low accuracy.

[0032] Figure 1 An application scenario diagram provided by an embodiment of the present invention, such as Figure 1 As shown, the corporate user can send a credit application to the banking system, the banking system can obtain the identification information of the first enterprise and send the identification information of the first enterprise to the tax system, the tax system can query the basic information of the first enterprise and return it to the banking system, the banking system can determine the credit limit based on the basic information of the first enterprise and the asset information of the first enterprise, and output the credit limit of the first enterprise.

[0033] The method for determining the enterprise credit line provided in the present application, when determining the credit line of the first enterprise, determines the asset information of the first enterprise, and determines the basic information of the first enterprise through the tax system, thereby determining the credit line based on the asset information of the first enterprise and the basic information of the first enterprise, so that the credit line is no longer determined only based on the asset information of the first enterprise, so as to improve the accuracy of the determined credit line, and aims to solve the above technical problems of the prior art.

[0034] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0035] Figure 2 A flow chart of a method for determining a credit limit for an enterprise provided by an embodiment of the present invention is shown as follows: Figure 2 As shown, the method includes:

[0036] Step S201: receiving a credit application sent by a user, wherein the credit application includes identification information of a first enterprise.

[0037] When an enterprise applies for a tax loan, it can initiate a credit application in the bank system. For example, the credit application can be initiated in mobile banking, bank counters, bank self-service devices, etc.

[0038] When initiating a credit application, the identification information of the first enterprise, that is, the identification information of the enterprise that wishes to obtain a tax loan, can be entered. For example, when enterprise A wishes to apply for a tax loan, the identification information of enterprise A can be entered.

[0039] Optionally, the identification information of the first enterprise may be the taxpayer identification number of the first enterprise, wherein the enterprise and the taxpayer identification number have a one-to-one relationship.

[0040] Step S202: determining the asset information of the first enterprise according to the identification information of the first enterprise, and determining the basic information of the first enterprise through the tax system according to the identification information of the first enterprise.

[0041] When the user initiates a credit application, the bank can determine the asset information of the first enterprise based on the identification information of the first enterprise. Optionally, the asset information may include the daily average balance of enterprise deposits, the annual average daily deposit of the legal person, the balance of enterprise loans, etc., for subsequent determination of the credit limit.

[0042] In addition to obtaining the above-mentioned first enterprise asset information, the first enterprise's basic information, that is, the first enterprise's business overview information, can also be obtained, which can be obtained from the tax system. Optionally, the first enterprise's basic information may include: total enterprise profit, registered capital, enterprise operating income, operating years, enterprise industry category and enterprise nature. Exemplarily, the first enterprise's basic information may include the enterprise's balance sheet, cash flow statement and income statement, etc., so that the total enterprise profit, enterprise operating income, etc. can be obtained.

[0043] Based on the basic information of the first enterprise, we can have a deeper understanding of the enterprise's operating conditions, and thus determine whether credit can be granted to the enterprise and the specific credit limit based on the above information.

[0044] Step S203: determine a credit limit for the first enterprise based on the first enterprise asset information and the first enterprise basic information.

[0045] After the asset information and basic information of the first enterprise are determined, the credit line of the first enterprise can be determined. For example, the first credit line can be determined based on the asset information of the first enterprise, the second credit line can be determined based on the basic information of the first enterprise, and the final credit line of the first enterprise can be determined based on the first credit line and the second credit line.

[0046] For example, if the credit limit is determined based only on the asset information of the first enterprise, the determined credit limit may be inaccurate, such as being too low or too high. Based on the basic information of the first enterprise, that is, the enterprise's operating income, years of operation, the industry category to which the enterprise belongs, and the nature of the enterprise, the development trend of the enterprise can be determined. Therefore, on the basis of determining the credit limit based on the asset information of the first enterprise, the final credit limit is determined based on the basic information of the first enterprise, which can improve the accuracy of the determined credit limit.

[0047] The method, apparatus, device, storage medium and program product for determining an enterprise credit limit provided in this embodiment receive a credit application sent by a user, wherein the credit application includes identification information of a first enterprise, determines the asset information of the first enterprise based on the identification information of the first enterprise, determines the basic information of the first enterprise through a tax system based on the identification information of the first enterprise, determines the credit limit for the first enterprise based on the asset information of the first enterprise and the basic information of the first enterprise, and achieves the effect of improving the accuracy of the determined credit limit by determining the enterprise credit limit based on the asset information of the first enterprise and the basic information of the first enterprise.

[0048] Optionally, before determining the credit line for the first enterprise according to the first enterprise asset information and the first enterprise basic information, the method further includes:

[0049] When the basic information of the first enterprise does not meet the credit access conditions, the asset information of the second enterprise is determined according to the identification information of the first enterprise, and the basic information of the second enterprise is determined through the tax system according to the identification information of the first enterprise; the second enterprise is an enterprise related to the first enterprise;

[0050] If the second enterprise basic information meets the credit access conditions and the second enterprise asset information is greater than a preset value, an operation of determining the credit limit of the first enterprise according to the first enterprise basic information and the first enterprise asset information is performed.

[0051] Before determining the credit line, it is also necessary to determine whether the first enterprise can be granted credit. Specifically, it can be determined whether the credit access conditions are met based on the basic information of the first enterprise.

[0052] Exemplarily, the credit access conditions may include multiple ones. When the basic information of the first enterprise satisfies each of the credit access conditions, the credit limit of the first enterprise may be further determined.

[0053] For example, the credit access conditions may include: the enterprise has been established for more than 2 years, the enterprise has paid taxes for 2 consecutive years, the average annual tax is more than 5,000, and the enterprise has no illegal or violation records in the past two years. The basic information of the first enterprise includes the establishment time of the enterprise, the continuous tax payment period, the average annual tax amount, illegal and violation information, etc., so as to determine whether the basic information of the first enterprise meets the credit access conditions.

[0054] Optionally, when the basic information of the first enterprise meets the credit access conditions, an operation of determining the credit limit of the first enterprise according to the basic information of the first enterprise and the asset information of the first enterprise can be performed.

[0055] Optionally, when the first enterprise basic information does not meet the credit access conditions, the second enterprise asset information and the second enterprise basic information may be determined. After the second enterprise basic information and the second enterprise asset information are obtained, it may be determined whether the operation of calculating the credit limit of the first enterprise can be continued based on the second enterprise basic information and the second enterprise asset information.

[0056] Optionally, the second enterprise is an enterprise related to the first enterprise. For example, the legal representative of the second enterprise and the first enterprise may be the same person, or the legal representative of the second enterprise and the legal representative of the first enterprise may be a direct relative. When the first enterprise is in poor operating condition, if there is a second enterprise related to the first enterprise, and the second enterprise is in good operating condition, the first enterprise will not have a large risk, and therefore, the first enterprise can continue to be granted credit. Therefore, based on the basic information of the second enterprise and the asset information of the second enterprise, it can be determined whether to grant credit to the first enterprise.

[0057] Optionally, when the basic information of the second enterprise meets the credit access conditions and the asset information of the second enterprise is greater than the preset value, it means that the operating condition of the second enterprise is good and the operation of determining the credit limit of the first enterprise can continue.

[0058] By determining whether credit can be granted to the first enterprise based on the second enterprise basic information and the second enterprise asset information when the first enterprise basic information does not meet the credit access conditions, the accuracy of the judgment on whether credit can be granted to the first enterprise is improved.

[0059] Optionally, determining the asset information of the second enterprise according to the identification information of the first enterprise, and determining the basic information of the second enterprise through the tax system according to the identification information of the first enterprise includes:

[0060] Determining the identification information of the legal representative according to the identification information of the first enterprise;

[0061] determining identification information of the second enterprise according to the identification information of the legal representative; the legal representative of the second enterprise is the same as the legal representative of the first enterprise;

[0062] The asset information of the second enterprise is determined according to the identification information of the second enterprise, and the basic information of the second enterprise is determined through the tax system according to the identification information of the second enterprise.

[0063] When determining the asset information of the second enterprise, the identification information of the legal representative may be determined based on the identification information of the first enterprise. For example, the identification information of the legal representative may be the ID card number of the legal representative. The corresponding relationship between the identification information of the first enterprise and the identification information of the legal representative may be stored in the banking system.

[0064] After the identification information of the legal representative is determined, the identification information of the second enterprise can be determined based on the identification information of the legal representative, that is, the identification information of each enterprise other than the first enterprise that is associated with the identification information of the legal representative. The specific scenario is: when a person is the legal representative of multiple enterprises, when determining whether to grant credit to one of the enterprises, whether to grant credit to the enterprise can be determined based on the information of other enterprises.

[0065] After the identification information of the second enterprise is determined, the asset information of the second enterprise can be determined through the banking system. In addition, the basic information of the second enterprise can be determined by querying the tax system based on the identification information of the second enterprise.

[0066] The two enterprises are associated through the legal representative identification information to accurately determine the second enterprise's asset information and the second enterprise's basic information.

[0067] Optionally, determining the basic information of the first enterprise through a tax system according to the identification information of the first enterprise includes:

[0068] determining a request parameter according to the identification information of the first enterprise;

[0069] determining a first hash value corresponding to the request parameter, and transmitting the first hash value to the tax system;

[0070] The request parameter is encrypted by an encryption algorithm, and the encrypted request parameter is sent to the tax system; the tax system is used to decrypt the encrypted request parameter to obtain the request parameter, calculate the second hash value of the request parameter, and if the second hash value is consistent with the first hash value, obtain the first enterprise basic information according to the request parameter;

[0071] Obtain the first enterprise basic information sent by the tax system.

[0072] When the basic information of the first enterprise is queried through the tax system according to the identification information of the first enterprise, data transmission can be performed in a data encryption manner. Figure 3A schematic diagram of encrypted data transmission between a banking system and a tax system provided by an embodiment of the present invention, referring to Figure 3 The data transmission process is described.

[0073] Specifically, the request parameters may be determined first according to the identification information of the first enterprise, and the request parameters may include information related to the identification information of the first enterprise, such as the ID number of the legal representative, request time, bank code and other information.

[0074] After the request parameters are determined, the first hash value corresponding to the request parameters can be determined. For example, the request parameters can be encrypted by a hash algorithm (SHA256) to obtain the hash value. After obtaining the first hash value, the first hash value can be transmitted to the tax system.

[0075] In addition, the request parameters can also be encrypted by an encryption algorithm, and the encrypted request parameters can be sent to the tax system. After receiving the encrypted request parameters, the tax system can decrypt the encrypted request parameters to obtain the request parameters. After obtaining the request parameters, the second hash value of the request parameters can be calculated, so that the second hash value and the received first hash value can be checked for consistency. If they are consistent, it means that the received request parameters are data that has not been tampered with, and the first enterprise basic information can continue to be queried based on the request parameters, and the queried first enterprise basic information can be sent to the bank system through the above encryption method.

[0076] After receiving the first enterprise basic information sent by the tax system, the banking system can decrypt it and perform a consistency check on the hash value to ensure that the accurate first enterprise basic information is obtained.

[0077] By calculating the first hash value of the request parameters and sending it to the tax system, the tax system can calculate the second hash value after receiving the request parameters and perform a consistency check with the first hash value to ensure that the received data has not been tampered with.

[0078] Optionally, encrypting the request parameter by using an encryption algorithm and sending the encrypted request parameter to the tax system includes:

[0079] Encrypting the request parameter by using a DES encryption algorithm and a first key, and sending the encrypted request parameter to the tax system;

[0080] The first key is encrypted by RSA encryption algorithm and public key, and the encrypted first key is sent to the tax system; the tax system is used to decrypt the received encrypted first key according to the private key to obtain the second key, and decrypt the encrypted request parameters according to the second key to obtain the request parameters.

[0081] See also Figure 3 When encrypting request parameters, an encryption algorithm combining DES (Data Encryption Standard) and RSA can be used. The DES encryption algorithm is a symmetric encryption algorithm, that is, the encryption process and the decryption process use the same key. The RSA encryption algorithm is an asymmetric encryption algorithm that uses a pair of keys for encryption and decryption, such as a public key and a private key.

[0082] When encrypting the request parameters, the request parameters may be encrypted using the DES encryption algorithm and the first key, wherein the first key is a randomly generated 16-bit string key, and each time DES is used for encryption, a first key may be randomly generated to enhance security.

[0083] After obtaining the encrypted request parameters, the encrypted request parameters may be sent to the tax system.

[0084] In order to enable the tax system to correctly decrypt the encrypted request parameters, the first key can also be sent to the tax system. When sending the first key to the tax system, the first key can be encrypted by the RSA encryption algorithm. Specifically, the RSA encryption algorithm can encrypt the first key by the public key and send the encrypted first key to the tax system. The tax system stores the private key sent by the bank system. The tax system can decrypt the received encrypted first key based on the private key to obtain the second key. In fact, the second key is the same as the first key. After obtaining the second key, the tax system can decrypt the encrypted request parameters to finally obtain the request parameters.

[0085] By integrating the DES encryption algorithm and the RSA encryption algorithm, the first key can be accurately and securely transmitted to the tax system, thereby ensuring accurate request parameters.

[0086] Optionally, before decrypting the encrypted request parameters to obtain the request parameters, the tax system is also used to: obtain the address source IP, and if the address source IP is in the system whitelist IP, perform the operation of decrypting the encrypted request parameters to obtain the request parameters.

[0087] like Figure 3As shown, after receiving the data sent by the bank system, the tax system will also obtain the address source IP through the HTTP transmission protocol characteristics, and determine whether the address source IP is in the system whitelist IP. If it is in the system whitelist IP, it will perform the operation of decrypting the encrypted request parameters to obtain the request parameters. If the address source IP is not in the system whitelist IP, it can be determined as an illegal request and the returned information is an error.

[0088] By judging the source IP of the obtained address, illegal data requests can be prevented.

[0089] like Figure 3 As shown, after querying the first enterprise basic information, the tax system can also send the first enterprise basic information to the banking system. Specifically, the tax system can use the second key to encrypt the first enterprise basic information through the DES encryption algorithm, and calculate the hash value of the first enterprise basic information at the same time, so as to send the calculated hash value and the encrypted first enterprise basic information to the banking system. The banking system can decrypt the encrypted first enterprise basic information based on the first key, calculate the hash value of the decrypted first enterprise basic information, and perform consistency verification on the calculated hash value and the hash value transmitted by the tax system.

[0090] Through the above process, reliable encrypted transmission of data between the banking system and the tax system can be achieved.

[0091] Among them, the basic information of the second enterprise is determined through the tax system according to the identification information of the second enterprise, which is similar to the above process and will not be repeated here.

[0092] Figure 4 A tax loan application flow chart provided in an embodiment of the present invention is as follows: Figure 4 As shown, the banking system can obtain the taxpayer identification number input by the user of the first enterprise, and can directly query the basic information of the first enterprise based on the taxpayer identification number, or can determine the legal representative's ID number based on the taxpayer identification number, and send the taxpayer identification number and the legal representative's ID number to the tax system. The tax system can query the basic information of the first enterprise. After finding a result that matches the taxpayer identification number and the legal representative's ID number, the basic information of the first enterprise can be sent to the banking system. The banking system can display the basic information of the first enterprise, calculate the credit limit, and determine whether the loan transaction is successful. If successful, it will display that the application is successful, and if failed, it will display the end; if no result matching the taxpayer identification number and the legal representative's ID number is found, it means that the taxpayer identification number does not exist or does not match, and the end will be displayed.

[0093] Optionally, the first enterprise basic information includes the total enterprise profit and other basic information; the first enterprise asset information includes the average daily balance of enterprise deposits and other asset information; and determining the credit line for the first enterprise based on the first enterprise asset information and the first enterprise basic information includes:

[0094] Determine a first correlation coefficient based on the total enterprise profit and the other basic information, and determine a second correlation coefficient based on the average daily balance of enterprise deposits and the other asset information;

[0095] Determine a first weight corresponding to the total profit of the enterprise and a second weight corresponding to the daily average balance of the enterprise deposits;

[0096] Calculating a first product of the total enterprise profit, the first correlation coefficient and the first weight value, and calculating a second product of the average daily balance of the enterprise deposit, the second correlation coefficient and the second weight value;

[0097] The sum of the first product and the second product is determined as the credit limit of the first enterprise.

[0098] When determining the credit limit of the first enterprise based on the first enterprise asset information and the first enterprise basic information, the credit limit can be determined based on the total enterprise profit in the first enterprise basic information and the average daily balance of enterprise deposits in the first enterprise asset information.

[0099] Specifically, a first correlation coefficient corresponding to the total profit of the enterprise can be calculated based on the basic information of the first enterprise, and a second correlation coefficient corresponding to the daily average balance of the enterprise's deposits can also be calculated based on the asset information of the first enterprise. In addition, a first weight corresponding to the total profit of the enterprise and a second weight corresponding to the daily average balance of the enterprise's deposits can also be set, so as to determine the credit limit based on two correlation coefficients, two weights, the total profit of the enterprise, and the daily average balance of the enterprise's deposits.

[0100] For example, the total profit of the enterprise is X1, the average daily balance of the enterprise deposit is X2, and β 1 is the first correlation coefficient, β 2 is the second correlation coefficient, M 1 is the first weight, M 2 The second weight is used to determine the credit limit based on the calculated tax loan credit limit Y value.

[0101] Y=M 1 β 1 X1+M 2 β 2 X2

[0102] Optionally, the first weight and the second weight can be set to be the same or different, but the sum of the first weight and the second weight is 1. Exemplarily, the first weight and the second weight can be 0.5 respectively. If you pay more attention to the proportion of the daily average balance of corporate deposits in the credit limit, you can set the second weight to a higher value, such as 0.6, and set the first weight to a lower value, such as 0.4.

[0103] Optionally, a credit limit upper limit may be pre-set, so that the final credit limit is determined based on the calculated Y value and the credit limit upper limit.

[0104] Through the above method, the basic information of the first enterprise and the asset information of the first enterprise can be fully integrated to accurately obtain the credit limit of the first enterprise.

[0105] Optionally, the other basic information includes any N items of registered capital, business income, operating years, industry category to which the enterprise belongs, and nature of the enterprise; determining the first correlation coefficient based on the total profit of the enterprise and the other basic information includes:

[0106] Determine the first scoring values ​​corresponding to each other basic information and the total profit of the enterprise, and calculate the sum of the first scoring values;

[0107] Determine the first correlation coefficient according to the sum of the first scoring values;

[0108] Accordingly, the other asset information includes: the annual average daily deposits of the legal person and / or the balance of corporate loans; the second correlation coefficient is determined based on the daily average balance of corporate deposits and other asset information, including:

[0109] Determine the second scoring values ​​corresponding to each other asset information and the daily average balance of the enterprise deposit, and calculate the sum of each of the second scoring values;

[0110] The second correlation coefficient is determined according to the sum of the second scoring values.

[0111] When determining the first correlation coefficient and the second correlation coefficient, the first correlation coefficient can be determined based on the total profit of the enterprise and other basic information, and the second correlation coefficient can be determined based on the average daily balance of the enterprise deposits and other asset information. Specifically, the first scoring values ​​corresponding to each other basic information and the total profit of the enterprise can be determined.

[0112] For example, for the total profit of an enterprise, the corresponding score values ​​of different total profits of the enterprise can be set, for example, when it is less than 100,000, the corresponding score value is 10; when it is between 100,000 and 500,000, the corresponding score value is 20; when it is between 500,000 and 1,000,000, the corresponding score value is 40 points, etc. Thus, the first score value corresponding to the total profit of the enterprise here can be determined.

[0113] The processing methods for registered capital, business income, years of operation, industry category and nature of the enterprise are similar. For any type of data, scoring values ​​corresponding to different numerical values ​​can be set in advance, and then the first scoring value can be determined.

[0114] After determining each first score value, the sum of each first score value may be determined, and the first correlation coefficient may be determined based on the sum of each first score value. Alternatively, the average value of each first score value may be calculated, and the first correlation coefficient may be determined based on the average value.

[0115] The method for determining the second correlation coefficient is similar to the method for determining the first correlation coefficient, and will not be described in detail here.

[0116] Through the above method, the corresponding first correlation coefficient can be determined based on the basic information of the first enterprise, and the corresponding second correlation coefficient can be determined based on the asset information of the first enterprise, thereby improving the accuracy of the final determined credit line.

[0117] Figure 5 A schematic diagram of a structure of a device for determining a credit limit for an enterprise provided by an embodiment of the present invention, the device comprising:

[0118] The receiving module 501 is used to receive a credit application sent by a user, wherein the credit application includes identification information of the first enterprise;

[0119] An information determination module 502 is used to determine the asset information of the first enterprise according to the identification information of the first enterprise, and determine the basic information of the first enterprise through the tax system according to the identification information of the first enterprise;

[0120] The credit limit determination module 503 is used to determine the credit limit for the first enterprise according to the first enterprise asset information and the first enterprise basic information.

[0121] Optionally, before determining the credit limit for the first enterprise according to the first enterprise asset information and the first enterprise basic information, the credit limit determination module 503 is further configured to:

[0122] When the basic information of the first enterprise does not meet the credit access conditions, the asset information of the second enterprise is determined according to the identification information of the first enterprise, and the basic information of the second enterprise is determined through the tax system according to the identification information of the first enterprise; the second enterprise is an enterprise related to the first enterprise;

[0123] If the second enterprise basic information meets the credit access conditions and the second enterprise asset information is greater than a preset value, an operation of determining the credit limit of the first enterprise according to the first enterprise basic information and the first enterprise asset information is performed.

[0124] Optionally, when the credit limit determination module 503 determines the asset information of the second enterprise according to the identification information of the first enterprise, and determines the basic information of the second enterprise through the tax system according to the identification information of the first enterprise, it is specifically used to:

[0125] Determining the identification information of the legal representative according to the identification information of the first enterprise;

[0126] determining identification information of the second enterprise according to the identification information of the legal representative; the legal representative of the second enterprise is the same as the legal representative of the first enterprise;

[0127] The asset information of the second enterprise is determined according to the identification information of the second enterprise, and the basic information of the second enterprise is determined through the tax system according to the identification information of the second enterprise.

[0128] Optionally, when the information determination module 502 determines the basic information of the first enterprise through the tax system according to the identification information of the first enterprise, it is specifically used to:

[0129] determining a request parameter according to the identification information of the first enterprise;

[0130] determining a first hash value corresponding to the request parameter, and transmitting the first hash value to the tax system;

[0131] The request parameter is encrypted by an encryption algorithm, and the encrypted request parameter is sent to the tax system; the tax system is used to decrypt the encrypted request parameter to obtain the request parameter, calculate the second hash value of the request parameter, and if the second hash value is consistent with the first hash value, obtain the first enterprise basic information according to the request parameter;

[0132] Obtain the first enterprise basic information sent by the tax system.

[0133] Optionally, when the information determination module 502 encrypts the request parameter by using an encryption algorithm and sends the encrypted request parameter to the tax system, it is specifically used to:

[0134] Encrypting the request parameter by using a DES encryption algorithm and a first key, and sending the encrypted request parameter to the tax system;

[0135] The first key is encrypted by RSA encryption algorithm and public key, and the encrypted first key is sent to the tax system; the tax system is used to decrypt the received encrypted first key according to the private key to obtain the second key, and decrypt the encrypted request parameters according to the second key to obtain the request parameters.

[0136] Optionally, before decrypting the encrypted request parameters to obtain the request parameters, the tax system is also used to: obtain the address source IP, and if the address source IP is in the system whitelist IP, perform the operation of decrypting the encrypted request parameters to obtain the request parameters.

[0137] Optionally, the first enterprise basic information includes the total enterprise profit and other basic information; the first enterprise asset information includes the average daily balance of enterprise deposits and other asset information; when the credit limit determination module 503 determines the credit limit for the first enterprise according to the first enterprise asset information and the first enterprise basic information, it is specifically used to:

[0138] Determine a first correlation coefficient based on the total enterprise profit and the other basic information, and determine a second correlation coefficient based on the average daily balance of enterprise deposits and the other asset information;

[0139] Determine a first weight corresponding to the total profit of the enterprise and a second weight corresponding to the average daily balance of the enterprise deposits;

[0140] Calculating a first product of the total enterprise profit, the first correlation coefficient and the first weight value, and calculating a second product of the average daily balance of the enterprise deposit, the second correlation coefficient and the second weight value;

[0141] The sum of the first product and the second product is determined as the credit limit of the first enterprise.

[0142] Optionally, the other basic information includes any N items of registered capital, business income, operating years, industry category to which the enterprise belongs, and nature of the enterprise; when determining the first correlation coefficient according to the total profit of the enterprise and the other basic information, the credit limit determination module 503 is specifically used to:

[0143] Determine the first scoring values ​​corresponding to each other basic information and the total profit of the enterprise, and calculate the sum of the first scoring values;

[0144] Determine the first correlation coefficient according to the sum of the first scoring values;

[0145] Correspondingly, the other asset information includes: the legal person's annual average daily deposit and / or corporate loan balance; when the credit limit determination module 503 determines the second correlation coefficient according to the corporate deposit daily average balance and other asset information, it is specifically used to:

[0146] Determine the second scoring values ​​corresponding to each other asset information and the daily average balance of the enterprise deposit, and calculate the sum of each of the second scoring values;

[0147] The second correlation coefficient is determined according to the sum of the second scoring values.

[0148] The enterprise credit limit determination device provided in the embodiment of the present invention can realize the above-mentioned Figure 2 The method for determining the enterprise credit limit in the illustrated embodiment has similar implementation principles and technical effects, which will not be described in detail here.

[0149] Figure 6 The hardware structure diagram of an electronic device provided by an embodiment of the present invention is shown in FIG. Figure 6 As shown, the electronic device provided by this embodiment includes: at least one processor 601 and a memory 602. The processor 601 and the memory 602 are connected via a bus 603.

[0150] In a specific implementation process, at least one processor 601 executes the computer execution instructions stored in the memory 602, so that at least one processor 601 executes the method in the above method embodiment.

[0151] The specific implementation process of the processor 601 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0152] In the above Figure 6 In the illustrated embodiment, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0153] The memory may include a high-speed RAM memory, and may also include a non-volatile storage NVM, such as at least one disk storage.

[0154] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0155] An embodiment of the present invention further provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the method of the above method embodiment is implemented.

[0156] An embodiment of the present application also provides a computer program product, including a computer program, which implements the method of the above method embodiment when executed by a processor.

[0157] The computer-readable storage medium mentioned above can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0158] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0159] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily required by the present application.

[0160] It should be further noted that, although the various steps in the flowchart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0161] It should be understood that the above-mentioned device embodiments are only illustrative, and the device of the present application can also be implemented in other ways. For example, the division of units / modules in the above-mentioned embodiments is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units, modules or components can be combined, or can be integrated into another system, or some features can be ignored or not executed.

[0162] In addition, unless otherwise specified, each functional unit / module in each embodiment of the present application may be integrated into one unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The above-mentioned integrated unit / module may be implemented in the form of hardware or in the form of a software program module.

[0163] If the integrated unit / module is implemented in the form of hardware, the hardware may be a digital circuit, an analog circuit, etc. The physical implementation of the hardware structure includes but is not limited to transistors, memristors, etc. If not specifically stated, the processor may be any appropriate hardware processor, such as a CPU, a GPU, an FPGA, a DSP, an ASIC, etc. If not specifically stated, the storage unit may be any appropriate magnetic storage medium or magneto-optical storage medium, such as a resistive random access memory RRAM (Resistive Random Access Memory), a dynamic random access memory DRAM (Dynamic Random Access Memory), a static random access memory SRAM (Static Random-Access Memory), an enhanced dynamic random access memory EDRAM (Enhanced Dynamic Random Access Memory), a high-bandwidth memory HBM (High-Bandwidth Memory), a hybrid memory cube HMC (Hybrid Memory Cube), etc.

[0164] In the above embodiments, the description of each embodiment has its own emphasis. For the part not described in detail in a certain embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0165] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0166] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A method for determining a credit limit for an enterprise, characterized in that: The method comprises: receiving a credit application sent by a user, wherein the credit application includes identification information of the first enterprise; Determine the asset information of the first enterprise according to the identification information of the first enterprise, and determine the basic information of the first enterprise through the tax system according to the identification information of the first enterprise; A credit limit for the first enterprise is determined based on the first enterprise asset information and the first enterprise basic information.

2. The method according to claim 1, characterized in that Before determining the credit line for the first enterprise according to the first enterprise asset information and the first enterprise basic information, the method further includes: When the basic information of the first enterprise does not meet the credit access conditions, the asset information of the second enterprise is determined according to the identification information of the first enterprise, and the basic information of the second enterprise is determined through the tax system according to the identification information of the first enterprise; the second enterprise is an enterprise related to the first enterprise; If the second enterprise basic information meets the credit access conditions and the second enterprise asset information is greater than a preset value, an operation of determining the credit limit of the first enterprise according to the first enterprise basic information and the first enterprise asset information is performed.

3. The method according to claim 2, characterized in that Determining the asset information of the second enterprise according to the identification information of the first enterprise, and determining the basic information of the second enterprise through the tax system according to the identification information of the first enterprise, including: Determining the identification information of the legal representative according to the identification information of the first enterprise; determining identification information of the second enterprise according to the identification information of the legal representative; the legal representative of the second enterprise is the same as the legal representative of the first enterprise; The asset information of the second enterprise is determined according to the identification information of the second enterprise, and the basic information of the second enterprise is determined through the tax system according to the identification information of the second enterprise.

4. The method according to claim 1, characterized in that Determining the basic information of the first enterprise through the tax system according to the identification information of the first enterprise includes: determining a request parameter according to the identification information of the first enterprise; determining a first hash value corresponding to the request parameter, and transmitting the first hash value to the tax system; The request parameter is encrypted by an encryption algorithm, and the encrypted request parameter is sent to the tax system; the tax system is used to decrypt the encrypted request parameter to obtain the request parameter, calculate the second hash value of the request parameter, and if the second hash value is consistent with the first hash value, obtain the first enterprise basic information according to the request parameter; Obtain the first enterprise basic information sent by the tax system.

5. The method according to claim 4, characterized in that Encrypting the request parameters by using an encryption algorithm and sending the encrypted request parameters to the tax system includes: Encrypting the request parameter by using a DES encryption algorithm and a first key, and sending the encrypted request parameter to the tax system; The first key is encrypted by RSA encryption algorithm and public key, and the encrypted first key is sent to the tax system; the tax system is used to decrypt the received encrypted first key according to the private key to obtain the second key, and decrypt the encrypted request parameters according to the second key to obtain the request parameters.

6. The method according to claim 4, characterized in that Before decrypting the encrypted request parameters to obtain the request parameters, the tax system is also used to: obtain the address source IP, and if the address source IP is in the system whitelist IP, perform the operation of decrypting the encrypted request parameters to obtain the request parameters.

7. The method according to any one of claims 1 to 6, characterized in that: The first basic enterprise information includes the total enterprise profit and other basic information; the first enterprise asset information includes the average daily balance of enterprise deposits and other asset information; Determining a credit line for the first enterprise according to the first enterprise asset information and the first enterprise basic information includes: Determine a first correlation coefficient based on the total enterprise profit and the other basic information, and determine a second correlation coefficient based on the average daily balance of enterprise deposits and the other asset information; Determine a first weight corresponding to the total profit of the enterprise and a second weight corresponding to the daily average balance of the enterprise deposits; Calculating a first product of the total enterprise profit, the first correlation coefficient and the first weight value, and calculating a second product of the average daily balance of the enterprise deposit, the second correlation coefficient and the second weight value; The sum of the first product and the second product is determined as the credit limit of the first enterprise.

8. The method according to claim 7, characterized in that The other basic information includes any N items of registered capital, business income, operating years, industry category and nature of the enterprise; the first correlation coefficient is determined based on the total profit of the enterprise and the other basic information, including: Determine the first scoring values ​​corresponding to each other basic information and the total profit of the enterprise, and calculate the sum of the first scoring values; Determine the first correlation coefficient according to the sum of the first scoring values; Accordingly, the other asset information includes: the annual average daily deposits of the legal person and / or the balance of corporate loans; the second correlation coefficient is determined based on the daily average balance of corporate deposits and other asset information, including: Determine the second scoring values ​​corresponding to each other asset information and the daily average balance of the enterprise deposit, and calculate the sum of each of the second scoring values; The second correlation coefficient is determined according to the sum of the second scoring values.

9. A device for determining a credit limit for an enterprise, characterized in that: include: A receiving module, configured to receive a credit application sent by a user, wherein the credit application includes identification information of the first enterprise; An information determination module, used to determine the asset information of the first enterprise according to the identification information of the first enterprise, and determine the basic information of the first enterprise through the tax system according to the identification information of the first enterprise; A credit limit determination module is used to determine the credit limit for the first enterprise based on the asset information of the first enterprise and the basic information of the first enterprise.

10. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 8 when executed by a processor.

12. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 8 when being executed by a processor.

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