Enterprise evaluation method and device, electronic equipment, storage medium and program product

Abstract

The invention discloses an enterprise evaluation method and device, electronic equipment, a storage medium and a program product, and relates to the technical field of financial science and technology. The method comprises the steps of obtaining at least two levels of enterprise evaluation indexes and enterprise evaluation data corresponding to each enterprise evaluation index of a to-be-evaluated enterprise; determining a priority relation matrix corresponding to the enterprise evaluation indexes of each level according to the enterprise evaluation data corresponding to the enterprise evaluation indexes of each level; according to the priority relation matrix corresponding to the enterprise evaluation index of each level, determining the level index weight of the enterprise evaluation index of each level; integrating the hierarchy index weights of the enterprise evaluation indexes of each hierarchy to obtain an enterprise score of the to-be-evaluated enterprise; and evaluating the to-be-evaluated enterprise according to the enterprise score of the to-be-evaluated enterprise to obtain an evaluation result of the to-be-evaluated enterprise. According to the technical scheme of the embodiment of the invention, credit evaluation of small enterprises is realized, bill discount of the small enterprises can be realized, and the flowability of bill market resources is improved.

Description

Technical Field

[0001] The present invention relates to the technical field of fintech, and in particular, to a method, device, electronic device, storage medium, and program product for enterprise evaluation. Background Art

[0002] In the current bill market, small enterprises face the problems of difficult and expensive financing. Especially when the credit accumulation is insufficient, it is difficult to obtain low-cost resources through bill discounting and other means. At the same time, the high-quality large-denomination bills held by large enterprises usually have high liquidity and credit ratings, but the holders of these bills often face the problem of overabundant resources and lack of effective investment channels.

[0003] To solve this contradiction, an innovative method for evaluating small enterprises is needed. Summary of the Invention

[0004] The present invention provides a method, device, electronic device, storage medium, and program product for enterprise evaluation, which realizes the credit evaluation of small enterprises, and further realizes the bill discounting of small enterprises, thereby improving the liquidity of the resources in the bill market.

[0005] According to one aspect of the present invention, there is provided a method for enterprise evaluation, the method comprising:

[0006] Obtaining at least two levels of enterprise evaluation indicators and enterprise evaluation data of the enterprise to be evaluated corresponding to each of the enterprise evaluation indicators;

[0007] Determining a priority relationship matrix corresponding to each level of enterprise evaluation indicators according to the enterprise evaluation data corresponding to each level of enterprise evaluation indicators;

[0008] Determining the hierarchical index weights of each level of enterprise evaluation indicators according to the priority relationship matrix corresponding to each level of enterprise evaluation indicators;

[0009] Synthesizing the hierarchical index weights of each level of enterprise evaluation indicators to obtain the enterprise score of the enterprise to be evaluated;

[0010] Evaluating the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated.

[0011] According to another aspect of the present invention, there is provided an enterprise evaluation device, the device comprising:

[0012] An enterprise evaluation indicator acquisition module, configured to obtain at least two levels of enterprise evaluation indicators and enterprise evaluation data of the enterprise to be evaluated corresponding to each of the enterprise evaluation indicators;

[0013] A precedence relation matrix generation module, configured to determine a precedence relation matrix corresponding to the enterprise evaluation indicators at each level according to the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level;

[0014] A hierarchical index weight calculation module, configured to determine the hierarchical index weights of the enterprise evaluation indicators at each level according to the precedence relation matrix corresponding to the enterprise evaluation indicators at each level;

[0015] An enterprise score calculation module, configured to comprehensively calculate the hierarchical index weights of the enterprise evaluation indicators at each level step by step to obtain the enterprise score of the enterprise to be evaluated;

[0016] An enterprise evaluation module, configured to evaluate the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated.

[0017] According to another aspect of the present invention, there is provided an electronic device, the electronic device includes:

[0018] At least one processor; and

[0019] A memory communicatively connected to the at least one processor; wherein,

[0020] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the enterprise evaluation method according to any embodiment of the present invention.

[0021] According to another aspect of the present invention, there is provided a computer-readable storage medium, the computer-readable storage medium stores computer instructions, and the computer instructions are used to implement the enterprise evaluation method according to any embodiment of the present invention when executed by a processor.

[0022] According to another aspect of the present invention, there is provided a computer program product, the computer program product includes a computer program, and the computer program implements the enterprise evaluation method according to any embodiment of the present invention when executed by a processor.

[0023] In the technical solution of the embodiment of the present invention, by obtaining at least two levels of enterprise evaluation indicators and enterprise evaluation data of the enterprise to be evaluated corresponding to each enterprise evaluation indicator, based on the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level, determining a priority relationship matrix corresponding to the enterprise evaluation indicators at each level, according to the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, determining the hierarchical index weights of the enterprise evaluation indicators at each level, synthesizing the hierarchical index weights of the enterprise evaluation indicators at each level to obtain the enterprise score of the enterprise to be evaluated, and evaluating the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated. Through multi-level analysis and evaluation of the enterprise, a comprehensive evaluation of small enterprises can be realized, reducing the uncertainty, ambiguity and subjective deviation in the enterprise evaluation process, improving the objectivity and accuracy of the enterprise evaluation, and then realizing the bill discounting of small enterprises, thereby improving the liquidity of bill market resources.

[0024] It should be understood that the content described in this part is not intended to identify the key or important features of the embodiments of the present invention, nor is it used to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0026] Figure 1 is a flowchart of an enterprise evaluation method provided in Embodiment 1 of the present invention;

[0027] Figure 2 is a schematic diagram of enterprise evaluation indicators at each level provided in Embodiment 1 of the present invention;

[0028] Figure 3 is a flowchart of an enterprise evaluation method provided in Embodiment 2 of the present invention;

[0029] Figure 4 is a schematic structural diagram of an enterprise evaluation device provided in Embodiment 3 of the present invention;

[0030] Figure 5 is a schematic structural diagram of an electronic device for implementing the enterprise evaluation method of the embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0031] To enable those skilled in the art to better understand the solution of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0032] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily need to describe a specific order or sequence. It should be understood that such data can be interchanged under appropriate circumstances so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0033] Embodiment 1

[0034] Figure 1 It is a flowchart of an enterprise evaluation method provided for Embodiment 1 of the present invention. The embodiments of the present invention are applicable to the situation of credit evaluation of small enterprises. This method can be executed by an enterprise evaluation device, which can be implemented in the form of hardware and / or software, and can be configured in an electronic device with enterprise evaluation functions, such as a client or a server.

[0035] See Figure 1 The enterprise evaluation method shown in the figure includes:

[0036] S110. Obtain at least two levels of enterprise evaluation indicators and enterprise evaluation data of the enterprise to be evaluated corresponding to each enterprise evaluation indicator.

[0037] The enterprise to be evaluated can be a small enterprise with a small scale. Optionally, enterprises can be screened according to their scale, and enterprises with a scale less than or equal to a preset scale are determined as the enterprises to be evaluated. During the process of bill discounting, the enterprises to be evaluated usually have insufficient credit records and it is difficult to obtain resources through methods such as bill discounting. Enterprise evaluation indicators can be used to conduct credit evaluation on the enterprises to be evaluated. The levels of enterprise evaluation indicators can be used to represent the refinement degree of enterprise evaluation indicators. Enterprise evaluation data can be the enterprise data corresponding to the enterprises to be evaluated in terms of enterprise evaluation indicators. Enterprise evaluation indicators and enterprise evaluation data can be used to evaluate the enterprises to be evaluated from the dimension of enterprise evaluation indicators.

[0038] In an optional embodiment of the present invention, the number of levels of enterprise evaluation indicators is four; among them, the first-level enterprise evaluation indicator is enterprise score; the second-level enterprise evaluation indicators include non-financial indicators and financial indicators; the third-level enterprise evaluation indicators corresponding to non-financial indicators include the proportion of valid invoices, the number of transactions per year, credit rating, and default records; the third-level enterprise evaluation indicators corresponding to financial indicators include profitability, cash flow, and development potential; the fourth-level enterprise evaluation indicators corresponding to profitability include sales profit margin and return on capital; the fourth-level enterprise evaluation indicators corresponding to development potential include revenue growth rate and profit growth rate.

[0039] As Figure 2 shown, the number of levels of enterprise evaluation indicators is four. Among them, the first-level enterprise evaluation indicator is enterprise score. The second-level enterprise evaluation indicators include non-financial indicators and financial indicators. Among them, non-financial indicators can refer to indicators of enterprise performance and development that cannot be directly measured by financial data. Non-financial indicators do not directly reflect the financial status and profitability of an enterprise, but are indicators closely related to aspects such as the enterprise's operational activities, internal processes, employee performance, innovation ability, and customer satisfaction. Non-financial indicators are comprehensive evaluation indicators of the enterprise's operational status, long-term goal achievement ability, and potential. Financial indicators can refer to indicators of enterprise performance and development that are directly measured by financial data. Financial indicators can directly reflect the financial status and profitability of an enterprise.

[0040] The third-level enterprise evaluation indicators corresponding to non-financial indicators include the proportion of valid invoices, the number of transactions per year, credit rating, and default records. Among them, the proportion of valid invoices can be the proportion of invoices issued by an enterprise that comply with tax regulations and financial requirements. The proportion of valid invoices can be used to characterize the compliance of the enterprise's invoice management and its financial health. The number of transactions per year can refer to the total number of transactions completed by an enterprise within one year. The number of transactions per year reflects the frequency and scale of the enterprise's business activities. The number of transactions per year is often used to evaluate the business activity and customer engagement of an enterprise. The credit rating can evaluate and classify the credit status of an enterprise. The credit rating can reflect the ability and willingness of an enterprise to fulfill its financial obligations. Optionally, the credit rating can be evaluated by a credit rating agency. The default record can refer to the record generated when a contract party fails to fulfill the contract obligations as agreed or the fulfillment of the contract obligations does not meet the agreement during the process of performing the contract. The default record can be one of the important indicators to measure the credit status of an enterprise.

[0041] The third-level enterprise evaluation indicators corresponding to financial indicators include profitability, cash flow, and development potential. Among them, profitability can refer to the ability of an enterprise to obtain profits, also known as the ability of the enterprise to increase the value of resources or capital. Profitability usually manifests as the amount of enterprise income and the level of the amount of enterprise income within a certain period. Cash flow can refer to the general term of cash inflows, cash outflows, and their total amounts generated by an enterprise through various economic activities within a certain period. Cash flow can be used to characterize the stability of the enterprise's operation and development. Development potential can refer to the comprehensive ability of an enterprise to achieve sustainable growth, profit improvement, and respond to market changes through the optimization and integration of internal and external resources during the future development process.

[0042] The fourth-level enterprise evaluation indicators corresponding to profitability include the sales profit margin and the return on capital. Among them, the sales profit margin can be the ratio of the net profit realized by an enterprise within a certain period to the net sales revenue. The sales profit margin can analyze the profitability of an enterprise based on sales revenue. The sales profit margin can be an indicator reflecting the revenue level of sales revenue. The return on capital can be the ratio between the resources invested or used and the related returns (where the returns usually manifest as the interest obtained and / or the profits distributed). The return on capital can be used to measure the utilization effect of the invested resources. The return on capital can be an indicator used to evaluate the historical performance of an enterprise. The return on capital can reflect the surplus formed by an enterprise using capital to obtain income after deducting contractual cost expenses. The return on capital reflects the ability of an enterprise to create income using capital within a certain period.

[0043] The fourth-level enterprise evaluation indicators corresponding to development potential include revenue growth rate and profit growth rate. Among them, the fourth-level enterprise evaluation indicators corresponding to development potential can include revenue growth rate and profit growth rate. Among them, the revenue growth rate can refer to the ratio of the increase in the enterprise's operating revenue in the current year to the total operating revenue in the previous year. The revenue growth rate reflects the relative growth of operating revenue. The revenue growth rate is an important indicator to measure the revenue growth of an enterprise within a specific time period. The profit growth rate can refer to the growth rate of the total profit of an enterprise over a certain period compared to the previous period. The profit growth rate reflects the growth of the profit obtained by the enterprise in the reporting period compared to the base period. The profit growth rate is one of the important indicators to measure the business performance of an enterprise.

[0044] In this solution, by specifying the number of levels of enterprise evaluation indicators as four levels, specifying the first-level enterprise evaluation indicators as enterprise scores, specifying the second-level enterprise evaluation indicators as non-financial indicators and financial indicators, specifying the third-level enterprise evaluation indicators corresponding to non-financial indicators as the proportion of valid invoices, the number of transactions per year, credit rating and default records, specifying the third-level enterprise evaluation indicators corresponding to financial indicators as profitability, cash flow and development potential, and specifying the fourth-level enterprise evaluation indicators corresponding to profitability as sales profit margin and return on capital, and specifying the fourth-level enterprise evaluation indicators corresponding to development potential as revenue growth rate and profit growth rate, the typicality of enterprise evaluation indicators at each level is improved, and the evaluation efficiency of enterprise evaluation is further improved.

[0045] Specifically, at least two levels of enterprise evaluation indicators set in advance can be obtained. Enterprise evaluation data corresponding to each enterprise evaluation indicator of the enterprise to be evaluated can be obtained.

[0046] S120. Determine the priority relationship matrix corresponding to each level of enterprise evaluation indicators according to the enterprise evaluation data corresponding to each level of enterprise evaluation indicators.

[0047] The enterprise evaluation data corresponding to each level of enterprise evaluation indicators can not only reflect the hierarchical relationship between enterprise evaluation indicators, but also reflect the performance of the enterprise to be evaluated in each enterprise evaluation indicator. The priority relationship matrix can be used to characterize the priority relationship between each enterprise evaluation indicator at the same level that has an associated relationship with the same enterprise evaluation indicator. A single enterprise to be evaluated can correspond to multiple priority relationship matrices. It can be understood that the same group of enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator have the same priority relationship matrix. There is at least one matrix element in the priority relationship matrix. Among them, a single matrix element can be a fuzzy judgment value between two enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator.

[0048] Exemplarily, the following formula can be adopted to represent the priority relationship matrix among enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator:

[0049] G=(g ik ) n×n ;

[0050] In the formula, G is the priority relationship matrix among enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator; g ik is the fuzzy judgment value between two enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator; n×n is the dimension of the priority relationship matrix.

[0051] Among them, the priority relationship between two enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator can be determined through fuzzy judgment values of three levels. Exemplarily, the priority relationship between two enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator can be distinguished by three levels: important, equally important, and unimportant.

[0052] For example, the following formula can be adopted to represent the fuzzy judgment value between two enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator:

[0053]

[0054] In the formula, g ik is the fuzzy judgment value between two enterprise evaluation indicators at the same level that have an associated relationship with the same enterprise evaluation indicator; g ik =1 can be used to represent that enterprise evaluation indicator u i is more important than enterprise evaluation indicator u k ; g ik =0.5 can be used to represent that enterprise evaluation indicator u i is equally important as enterprise evaluation indicator u k ; g ik =0 can be used to represent that enterprise evaluation indicator u i is less important than enterprise evaluation indicator u k .

[0055] Specifically, pairwise comparisons can be made on the enterprise evaluation data corresponding to enterprise evaluation indicators at different levels from different data dimensions to determine the priority relationship among enterprise evaluation indicators at each level, and the priority relationship matrix corresponding to enterprise evaluation indicators at each level can be obtained. Among them, the data dimension can include the number of data and / or the degree of data quality, etc.

[0056] S130. Determine the hierarchical index weights of the enterprise evaluation indexes at each level according to the priority relationship matrix corresponding to the enterprise evaluation indexes at each level.

[0057] The hierarchical index weights can be used to represent the relative importance of the enterprise evaluation indexes at the same level that are associated with the same enterprise evaluation index.

[0058] Specifically, for the priority relationship matrix corresponding to the enterprise evaluation indexes at a single level, the geometric mean of each row in the priority relationship matrix can be calculated. The geometric mean of each row in the priority relationship matrix can be normalized to obtain the hierarchical index weights of the enterprise evaluation indexes at a single level. Calculate one by one for the priority relationship matrices corresponding to the enterprise evaluation indexes at each level to obtain the hierarchical index weights of the enterprise evaluation indexes at each level.

[0059] In an optional embodiment of the present invention, determining the hierarchical index weights of the enterprise evaluation indexes at each level according to the priority relationship matrix corresponding to the enterprise evaluation indexes at each level includes: for the enterprise evaluation indexes at a single level, performing dimension detection on the priority relationship matrix corresponding to the enterprise evaluation indexes at the level; for the enterprise evaluation indexes at a single level, when the dimension is less than or equal to two, directly calculate the hierarchical index weights of the enterprise evaluation indexes at the level according to the priority relationship matrix corresponding to the enterprise evaluation indexes at the level; for the enterprise evaluation indexes at a single level, when the dimension is greater than two, calculate the fuzzy weight matrix corresponding to the enterprise evaluation indexes at the level according to the priority relationship matrix corresponding to the enterprise evaluation indexes at the level, and calculate the hierarchical index weights of the enterprise evaluation indexes at the level according to the fuzzy weight matrix corresponding to the enterprise evaluation indexes at the level.

[0060] The dimension of the priority relationship matrix can be used to represent the dimensions of the enterprise evaluation indexes at the same level that are associated with the same enterprise evaluation index, that is, the refinement degree of the enterprise evaluation indexes at the same level that are associated with the same enterprise evaluation index. The fuzzy weight matrix can be used to further represent the relative importance among the enterprise evaluation indexes at the same level that are associated with the same enterprise evaluation index.

[0061] Specifically, for the enterprise evaluation indicators at a single level, the dimension detection can be performed on the priority relationship matrix corresponding to the enterprise evaluation indicators at that level. When the dimension of the priority relationship matrix corresponding to the enterprise evaluation indicators at a level is less than or equal to two dimensions, for the priority relationship matrix corresponding to the enterprise evaluation indicators at a single level, the geometric mean of each row in the priority relationship matrix can be calculated; the geometric mean of each row in the priority relationship matrix can be normalized to obtain the hierarchical index weight of the enterprise evaluation indicators at a single level; the priority relationship matrices corresponding to the enterprise evaluation indicators at each level can be calculated one by one to obtain the hierarchical index weights of the enterprise evaluation indicators at each level. For the enterprise evaluation indicators at a single level, when the dimension of the priority relationship matrix corresponding to the enterprise evaluation indicators at that level is greater than two dimensions, the sum of each row of the priority relationship matrix corresponding to the enterprise evaluation indicators at that level can be calculated to obtain the total fuzzy judgment value of each row in the priority relationship matrix, and the total fuzzy judgment values of each row in the priority relationship matrix can be compared pairwise to obtain the fuzzy weight matrix corresponding to the enterprise evaluation indicators at that level. For the fuzzy weight matrix corresponding to the enterprise evaluation indicators at a single level, the geometric mean of each row in the fuzzy weight matrix can be calculated; the geometric mean of each row in the fuzzy weight matrix can be normalized to obtain the hierarchical index weight of the enterprise evaluation indicators at a single level; the fuzzy weight matrices corresponding to the enterprise evaluation indicators at each level can be calculated one by one to obtain the hierarchical index weights of the enterprise evaluation indicators at each level.

[0062] Exemplarily, when the dimension is less than or equal to two dimensions, the following formula can be used to calculate the geometric mean of each row in the priority relationship matrix:

[0063]

[0064] In the formula, is the geometric mean of each row in the priority relationship matrix; n is the dimension of the priority relationship matrix; g ik is the fuzzy judgment value of the i-th row and k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0065] The following formula can be used to normalize the geometric mean of each row in the priority relationship matrix to obtain the hierarchical index weight of the enterprise evaluation indicators at a single level:

[0066]

[0067] In the formula, W 1i is the hierarchical index weight of the enterprise evaluation indicators at the level corresponding to the i-th row; is the geometric mean of each row in the priority relationship matrix; g ik is the fuzzy judgment value of the i-th row and k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0068] When the dimension is greater than two, the following formula can be used to sum the rows of the priority relationship matrix corresponding to the enterprise evaluation indicators at this level to obtain the total fuzzy judgment values of each row of the priority relationship matrix:

[0069]

[0070] In the formula, r i is the summation result of summing the i-th row of the priority relationship matrix corresponding to the enterprise evaluation indicators at this level, that is, the total fuzzy judgment value of the i-th row in the priority relationship matrix; g ik is the fuzzy judgment value of the i-th row and the k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0071] The following formula can be used to compare the total fuzzy judgment values of each row in the priority relationship matrix pairwise:

[0072]

[0073] In the formula, h ij is the comparison result of pairwise comparison of the total fuzzy judgment value of the i-th row and the total fuzzy judgment value of the j-th row in the priority relationship matrix; r i is the total fuzzy judgment value of the i-th row in the priority relationship matrix; r j is the total fuzzy judgment value of the j-th row in the priority relationship matrix; n is the dimension of the fuzzy judgment matrix.

[0074] The following formula can be used to calculate the geometric mean of each row in the fuzzy weight matrix:

[0075]

[0076] In the formula, is the geometric mean of each row in the fuzzy weight matrix; n is the dimension of the fuzzy judgment matrix; h ij is the comparison result of pairwise comparison of the total fuzzy judgment value of the i-th row and the total fuzzy judgment value of the j-th row in the priority relationship matrix.

[0077] The following formula can be used to normalize the geometric mean of each row in the fuzzy weight matrix to obtain the hierarchical index weights of the enterprise evaluation indicators at a single level:

[0078]

[0079] In the formula, W 2i is the hierarchical index weight of the enterprise evaluation indicators at the level corresponding to the i-th row; is the geometric mean of each row in the fuzzy weight matrix; n is the dimension of the fuzzy judgment matrix; m is the total number of rows of the priority relationship matrix; gik is the fuzzy judgment value of the i-th row and k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0080] This solution introduces the dimension detection of the priority relationship matrix corresponding to the enterprise evaluation indicators of a single level, and adopts different methods to calculate the hierarchical index weights of the enterprise evaluation indicators of this level for different dimensions, improving the flexibility of calculating the hierarchical index weights of the hierarchical evaluation indicators of a single level, and thus improving the calculation efficiency of the hierarchical index weights.

[0081] S140. Synthesize the hierarchical index weights of the enterprise evaluation indicators at each level to obtain the enterprise score of the enterprise to be evaluated.

[0082] The enterprise score of the enterprise to be evaluated can be used to represent the credit rating of the enterprise to be evaluated. Based on the enterprise score of the enterprise to be evaluated, the credit evaluation of the enterprise to be evaluated can be carried out to determine whether the enterprise to be evaluated can obtain resources by means of bill discounting.

[0083] Specifically, the hierarchical index weights of the enterprise evaluation indicators at each level can be weighted and summed to obtain the enterprise score of the enterprise to be evaluated.

[0084] In an optional embodiment of the present invention, synthesizing the hierarchical index weights of the enterprise evaluation indicators at each level to obtain the enterprise score of the enterprise to be evaluated includes: selecting the lowest level as the current level according to the hierarchical refinement order; for the enterprise evaluation indicators of the current level, detecting whether there are enterprise evaluation indicators of the next level for the enterprise evaluation indicators of the current level; for the enterprise evaluation indicators of the current level, when there are enterprise evaluation indicators of the next level for the enterprise evaluation indicators of the current level, summing the hierarchical index weights of the enterprise evaluation indicators of each next level, and calculating the product of the summation result and the hierarchical index weight of the enterprise evaluation indicators of the level to update the hierarchical index weight of the enterprise evaluation indicators of the current level; for the enterprise evaluation indicators of the current level, detecting whether the enterprise evaluation indicators of the current level are the highest-level enterprise evaluation indicators; for the enterprise evaluation indicators of the current level, when the enterprise evaluation indicators of the current level are not the highest-level enterprise evaluation indicators, updating the enterprise evaluation indicators of the upper level of the enterprise evaluation indicators of the current level to the enterprise evaluation indicators of the current level, and returning to execute the step of detecting whether there are enterprise evaluation indicators of the next level for the enterprise evaluation indicators of the current level until the enterprise evaluation indicators of the current level are the highest-level enterprise evaluation indicators, and obtaining the enterprise score of the enterprise to be evaluated according to the hierarchical index weight of the enterprise evaluation indicators of the current level.

[0085] The hierarchical refinement order can be the refinement order of enterprise evaluation indicators. The hierarchical refinement order can be from low to high. The current level can be the level for updating the weights of hierarchical indicators. If there are enterprise evaluation indicators at the next level for the enterprise evaluation indicators at the current level, it can be understood that the enterprise evaluation indicators at the current level have enterprise evaluation indicators at the next level for further subdivision. If there are no enterprise evaluation indicators at the next level for the enterprise evaluation indicators at the current level, it can be understood that the enterprise evaluation indicators at the current level have no enterprise evaluation indicators at the next level for further subdivision. If the enterprise evaluation indicators at the current level are not the highest-level enterprise evaluation indicators, it can be understood that the enterprise evaluation indicators at the current level have enterprise evaluation indicators at the upper level, that is, the current level is not the level corresponding to the enterprise score. If the enterprise evaluation indicators at the current level are the highest-level enterprise evaluation indicators, it can be understood that the enterprise evaluation indicators at the current level have no enterprise evaluation indicators at the upper level, that is, the current level is the level corresponding to the enterprise score.

[0086] Specifically, the lowest level can be selected as the current level according to the hierarchical refinement order. For the enterprise evaluation indicators at the current level, it is detected whether there are enterprise evaluation indicators at the next level. When there are no enterprise evaluation indicators at the next level for the enterprise evaluation indicators at the current level, the weights of the hierarchical indicators of the enterprise evaluation indicators at the current level can be kept unchanged. When there are enterprise evaluation indicators at the next level for the enterprise evaluation indicators at the current level, the weights of the hierarchical indicators of each enterprise evaluation indicator at the next level can be summed, and the product of the sum result and the weight of the hierarchical indicator of the enterprise evaluation indicator at the level can be calculated to update the weight of the hierarchical indicator of the enterprise evaluation indicator at the current level. For the enterprise evaluation indicators at the current level, it is detected whether the enterprise evaluation indicators at the current level are the highest-level enterprise evaluation indicators. When the enterprise evaluation indicators at the level are not the highest-level enterprise evaluation indicators, the enterprise evaluation indicators at the upper level of the enterprise evaluation indicators at the current level are updated to the enterprise evaluation indicators at the current level, and the step of detecting whether there are enterprise evaluation indicators at the next level for the enterprise evaluation indicators at the current level is returned until the enterprise evaluation indicators at the current level are the highest-level enterprise evaluation indicators, and the enterprise score of the enterprise to be evaluated is obtained according to the weight of the hierarchical indicator of the enterprise evaluation indicator at the current level.

[0087] This solution comprehensively synthesizes the weights of the hierarchical indicators of the enterprise evaluation indicators at each level in accordance with the hierarchical order of the enterprise evaluation indicators at each level, takes into account the hierarchical relationship of the enterprise evaluation indicators at each level, and improves the accuracy of the enterprise score of the enterprise to be evaluated.

[0088] S150. Evaluate the enterprise to be evaluated based on the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated.

[0089] The evaluation result of the enterprise to be evaluated can be used to characterize whether the enterprise to be evaluated can obtain resources by means of bill discounting. Exemplarily, the evaluation result of the enterprise to be evaluated can include passing the evaluation and failing the evaluation. Among them, passing the evaluation can be used to characterize that the enterprise to be evaluated can obtain resources by means of bill discounting; failing the evaluation can be used to characterize that the enterprise to be evaluated cannot obtain resources by means of bill discounting.

[0090] Specifically, the enterprise category of the enterprise to be evaluated can be detected. The preset enterprise score corresponding to the enterprise category of the enterprise to be evaluated can be obtained. A comparison can be made between the enterprise score of the enterprise to be evaluated and the preset enterprise score. When the enterprise score of the enterprise to be evaluated is greater than or equal to the preset enterprise score, it is determined that the enterprise to be evaluated passes the evaluation; when the enterprise score of the enterprise to be evaluated is less than the preset enterprise score, it is determined that the enterprise to be evaluated fails the evaluation. Among them, the preset enterprise score can be set and adjusted by technical personnel. Preferably, the preset enterprise score can be the average value of the enterprise scores of historical evaluation enterprises belonging to the same enterprise category as the enterprise to be evaluated.

[0091] The technical solution of the embodiment of the present invention, by obtaining enterprise evaluation indicators at least two levels and enterprise evaluation data corresponding to each enterprise evaluation indicator of the enterprise to be evaluated, based on the enterprise evaluation data corresponding to each level of enterprise evaluation indicators, determining the priority relationship matrix corresponding to each level of enterprise evaluation indicators, according to the priority relationship matrix corresponding to each level of enterprise evaluation indicators, determining the hierarchical indicator weights of each level of enterprise evaluation indicators, synthesizing the hierarchical indicator weights of each level of enterprise evaluation indicators, obtaining the enterprise score of the enterprise to be evaluated, and evaluating the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated. Through multi-level analysis and evaluation of the enterprise, a comprehensive evaluation of small enterprises can be realized, reducing the uncertainty, ambiguity and subjective deviation in the enterprise evaluation process, improving the objectivity and accuracy of the enterprise evaluation, and then realizing the bill discounting of small enterprises, thereby improving the liquidity of the resources in the bill market.

[0092] Embodiment 2

[0093] Figure 3The flowchart of an enterprise evaluation method provided in the second embodiment of the present invention. On the basis of the above embodiment, the present invention embodiment concretizes "determining the priority relationship matrix corresponding to the enterprise evaluation indicators at each level according to the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level" into "using a pre-trained priority relationship matrix generation model to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level and determine the priority relationship matrix corresponding to the enterprise evaluation indicators at each level; wherein, the training samples of the priority relationship matrix generation model include the enterprise evaluation samples corresponding to each enterprise evaluation indicator and the corresponding priority relationship matrix samples", improving the generation efficiency and generation accuracy of the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, thereby improving the evaluation efficiency and evaluation accuracy of small enterprises. It should be noted that for the parts not detailed in the embodiments of the present invention, reference may be made to the descriptions of other embodiments.

[0094] See Figure 3 The enterprise evaluation method shown in the figure includes:

[0095] S310. Obtain enterprise evaluation indicators at at least two levels and the enterprise evaluation data corresponding to the enterprise evaluation indicators of the enterprise to be evaluated.

[0096] S320. Use a pre-trained priority relationship matrix generation model to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level and determine the priority relationship matrix corresponding to the enterprise evaluation indicators at each level.

[0097] The priority relationship matrix generation model can be used to generate the priority relationship matrix corresponding to the enterprise evaluation indicators at each level. The input data of the priority relationship matrix generation model can be the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level. The output result of the priority relationship matrix generation model can be the priority relationship matrix corresponding to the enterprise evaluation indicators at each level. Among them, the training samples of the priority relationship matrix generation model include the enterprise evaluation samples corresponding to the enterprise evaluation indicators at each level and the corresponding priority relationship matrix samples. The enterprise evaluation sample can be the enterprise evaluation data of the historical evaluation enterprise. The pre-relationship matrix sample can be the priority relationship matrix corresponding to the enterprise evaluation sample. Exemplarily, the priority relationship matrix generation model can be a neural network model or a deep learning model, etc.

[0098] Specifically, the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level can be input into the pre-trained priority relationship matrix generation model to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level and output the priority relationship matrix corresponding to the enterprise evaluation indicators at each level.

[0099] Optionally, for a single level, the enterprise evaluation data corresponding to each enterprise evaluation index associated with the same enterprise evaluation index in the single level can be input into a pre-trained priority relationship matrix generation model to detect the enterprise evaluation data corresponding to each enterprise evaluation index associated with the same enterprise evaluation index in the same level, and output the priority relationship matrix corresponding to each enterprise evaluation index associated with the same enterprise evaluation index in the same level. By sequentially detecting each level, the priority relationship matrix corresponding to the enterprise evaluation index of each level is obtained.

[0100] In an optional embodiment of the present invention, after determining the priority relationship matrix corresponding to the enterprise evaluation index of each level, it further includes: performing a consistency test on the priority relationship matrix corresponding to the enterprise evaluation index of each level; when the consistency test fails, adjusting the priority relationship matrix corresponding to the enterprise evaluation index of each level.

[0101] Specifically, the consistency index of the priority relationship matrix corresponding to the enterprise evaluation index of each level can be calculated. Based on the consistency index, the consistency ratio can be calculated. The consistency index can be compared with a preset consistency index, and the consistency ratio can be compared with a preset consistency ratio. When the consistency index is less than or equal to the preset consistency index and the consistency ratio is less than or equal to the preset consistency ratio, it is determined that the consistency test passes; when the consistency index is greater than the preset consistency index and / or the consistency ratio is greater than the preset consistency ratio, it is determined that the consistency test fails. When the consistency test fails, each fuzzy judgment value in the priority relationship matrix corresponding to the enterprise evaluation index of each level can be sequentially detected and adjusted.

[0102] This solution introduces the consistency test and adjustment of the priority relationship matrix corresponding to the enterprise evaluation index of a single level, further improving the rationality and accuracy of the priority relationship matrix corresponding to the enterprise evaluation index of each level.

[0103] S330. Determine the hierarchical index weights of the enterprise evaluation indexes of each level according to the priority relationship matrix corresponding to the enterprise evaluation indexes of each level.

[0104] S340. Synthesize the hierarchical index weights of the enterprise evaluation indexes of each level to obtain the enterprise score of the enterprise to be evaluated.

[0105] S350. Evaluate the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated.

[0106] The technical solution of the embodiment of the present invention introduces a priority relationship matrix generation model to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level, so as to determine the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, improve the generation efficiency and generation accuracy of the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, and thus improve the evaluation efficiency and evaluation accuracy of small enterprises.

[0107] On the basis of the above embodiment, the present invention provides a preferred embodiment. The enterprise evaluation method includes:

[0108] S410. Obtain the enterprise evaluation indicators at the four levels and the enterprise evaluation data corresponding to the enterprise evaluation indicators of the enterprise to be evaluated.

[0109] As Figure 2 shown, the number of levels of the enterprise evaluation indicators is four; among them, the first-level enterprise evaluation indicator is the enterprise score; the second-level enterprise evaluation indicators include non-financial indicators and financial indicators; the third-level enterprise evaluation indicators corresponding to the non-financial indicators include the proportion of valid invoices, the number of transactions per year, the credit rating, and the default record; the third-level enterprise evaluation indicators corresponding to the financial indicators include profitability, cash flow, and development potential; the fourth-level enterprise evaluation indicators corresponding to profitability include the sales profit margin and the return on capital; the fourth-level enterprise evaluation indicators corresponding to development potential include the revenue growth rate and the profit growth rate.

[0110] S420. Use the pre-trained priority relationship matrix generation model to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level, and determine the priority relationship matrix corresponding to the enterprise evaluation indicators at each level.

[0111] For example, the following formula can be used to represent the priority relationship matrix corresponding to the second-level enterprise evaluation indicators:

[0112]

[0113] In the formula, G 2 is the priority relationship matrix corresponding to the second-level enterprise evaluation indicators, that is, the priority relationship matrix corresponding to the non-financial indicators and the financial indicators.

[0114] The following formula can be used to represent the third-level priority relationship matrix corresponding to the financial evaluation indicators:

[0115]

[0116] In the formula, G 31 is the third-level priority relationship matrix corresponding to the financial evaluation indicators, that is, the priority relationship matrix corresponding to profitability, cash flow, and development potential.

[0117] The following formula can be used to represent the third-level priority relationship matrix corresponding to the non-financial evaluation indicators:

[0118]

[0119] In the formula, G 32 is the third-level priority relationship matrix corresponding to the non-financial evaluation indicators, that is, the priority relationship matrix corresponding to the valid invoice ratio, the number of transactions per year, the credit rating, and the default record.

[0120] The following formula can be used to represent the priority relationship matrix corresponding to the fourth-level enterprise evaluation indicators for profitability:

[0121]

[0122] In the formula, G 41 is the priority relationship matrix corresponding to the fourth-level enterprise evaluation indicators for profitability, that is, the priority relationship matrix corresponding to the sales profit margin and the return on capital.

[0123] The following formula can be used to represent the priority relationship matrix corresponding to the fourth-level enterprise evaluation indicators for development potential:

[0124]

[0125] In the formula, G 42 is the priority relationship matrix corresponding to the fourth-level enterprise evaluation indicators for development potential, that is, the priority relationship matrix corresponding to the revenue growth rate and the profit growth rate.

[0126] S430. Conduct consistency tests on the priority relationship matrices corresponding to the enterprise evaluation indicators at each level. When the consistency test fails, adjust the priority relationship matrices corresponding to the enterprise evaluation indicators at each level; when the consistency test passes, for the enterprise evaluation indicators at a single level, conduct dimension detection on the priority relationship matrices corresponding to the enterprise evaluation indicators at each level; for the enterprise evaluation indicators at a single level, when the dimension is less than or equal to two-dimensional, directly calculate the hierarchical indicator weights of the enterprise evaluation indicators at each level according to the priority relationship matrices corresponding to the enterprise evaluation indicators at each level; for the enterprise evaluation indicators at a single level, when the dimension is greater than two-dimensional, calculate the fuzzy weight matrix corresponding to the enterprise evaluation indicators at each level according to the priority relationship matrices corresponding to the enterprise evaluation indicators at each level, and calculate the hierarchical indicator weights of the enterprise evaluation indicators at each level according to the fuzzy weight matrix corresponding to the enterprise evaluation indicators at each level.

[0127] Exemplarily, when the dimension is less than or equal to two-dimensional, the following formula can be used to calculate the geometric mean of each row in the priority relationship matrix:

[0128]

[0129] In the formula, is the geometric mean of each row in the priority relationship matrix; n is the dimension of the priority relationship matrix; g ik is the fuzzy judgment value at the i-th row and k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0130] The following formula can be used to normalize the geometric mean of each row in the priority relationship matrix to obtain the hierarchical index weight of the enterprise evaluation index at a single level:

[0131]

[0132] In the formula, W 1i is the hierarchical index weight of the enterprise evaluation index at the level corresponding to the i-th row; is the geometric mean of each row in the priority relationship matrix; g ik is the fuzzy judgment value at the i-th row and k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0133] When the dimension is greater than two, the following formula can be used to sum each row of the priority relationship matrix corresponding to the enterprise evaluation index at this level to obtain the total fuzzy judgment value of each row of the priority relationship matrix:

[0134]

[0135] In the formula, r i is the summation result of summing the i-th row of the priority relationship matrix corresponding to the enterprise evaluation index at this level, that is, the total fuzzy judgment value of the i-th row in the priority relationship matrix; g ik is the fuzzy judgment value at the i-th row and k-th column in the priority relationship matrix; n is the dimension of the priority relationship matrix; i is the row number; k is the column number.

[0136] The following formula can be used to make pairwise comparisons of the total fuzzy judgment values of each row in the priority relationship matrix:

[0137]

[0138] In the formula, h ij is the comparison result of making pairwise comparisons of the total fuzzy judgment value of the i-th row and the total fuzzy judgment value of the j-th row in the priority relationship matrix; r i is the total fuzzy judgment value of the i-th row in the priority relationship matrix; r j is the total fuzzy judgment value of the j-th row in the priority relationship matrix; n is the dimension of the fuzzy judgment matrix.

[0139] The following formula can be used to calculate the geometric mean of each row in the fuzzy weight matrix:

[0140]

[0141] In the formula, is the geometric mean of each row in the fuzzy weight matrix; n is the dimension of the fuzzy judgment matrix; h ij is the comparison result of pairwise comparison between the fuzzy judgment total value of the i-th row and the fuzzy judgment total value of the j-th row in the priority relationship matrix.

[0142] The following formula can be used to normalize the geometric mean of each row in the fuzzy weight matrix to obtain the hierarchical indicator weights of the enterprise evaluation indicators at a single level:

[0143]

[0144] Where W 2i is the level indicator weight of the enterprise evaluation indicator of the level corresponding to the i-th row; is the geometric mean of each row in the fuzzy weight matrix; n is the dimension of the fuzzy judgment matrix; m is the total number of rows in the priority relationship matrix; g ik is the fuzzy judgment value of the i-th row and k-th column in the priority relation matrix; n is the dimension of the priority relation matrix; i is the number of rows; k is the number of columns.

[0145] S440. The hierarchical indicator weights of the enterprise evaluation indicators at each level are integrated level by level to obtain the enterprise score of the enterprise to be evaluated.

[0146] Specifically, the lowest level can be selected as the current level in the order of level refinement. For the enterprise evaluation indicators of the current level, check whether there are enterprise evaluation indicators of the next level for the enterprise evaluation indicators of the current level. When there are no enterprise evaluation indicators of the next level for the enterprise evaluation indicators of the current level, the level indicator weights of the enterprise evaluation indicators of the current level can be kept unchanged. When there are enterprise evaluation indicators of the next level for the enterprise evaluation indicators of the current level, the level indicator weights of the enterprise evaluation indicators of each next level can be summed, and the product of the summation result and the level indicator weights of the enterprise evaluation indicators of the next level can be calculated to update the level indicator weights of the enterprise evaluation indicators of the current level. For the enterprise evaluation indicators of the current level, check whether the enterprise evaluation indicators of the current level are the highest-level enterprise evaluation indicators. When the enterprise evaluation indicators of the level are not the highest-level enterprise evaluation indicators, the enterprise evaluation indicators of the previous level of the enterprise evaluation indicators of the current level are updated to the enterprise evaluation indicators of the current level, and the step of detecting whether the enterprise evaluation indicators of the current level have enterprise evaluation indicators of the next level is returned to execute, until the enterprise evaluation indicators of the current level are the highest-level enterprise evaluation indicators, and the enterprise score of the enterprise to be evaluated is obtained according to the level indicator weights of the enterprise evaluation indicators of the current level.

[0147] S450. Evaluate the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated, and obtain the evaluation result of the enterprise to be evaluated.

[0148] Specifically, the enterprise category of the enterprise to be evaluated can be detected. The preset enterprise score corresponding to the enterprise category of the enterprise to be evaluated can be obtained. A comparison can be made between the enterprise score of the enterprise to be evaluated and the preset enterprise score. When the enterprise score of the enterprise to be evaluated is greater than or equal to the preset enterprise score, it is determined that the enterprise to be evaluated passes the evaluation; when the enterprise score of the enterprise to be evaluated is less than the preset enterprise score, it is determined that the enterprise to be evaluated fails the evaluation.

[0149] This solution can reduce the risks of investors, ensure the security of transactions, create a more fair, efficient and secure bill trading environment, and at the same time promote the healthy development of small enterprises and the prosperity of the entire bill market.

[0150] Embodiment III

[0151] Figure 4 FIG. is a schematic structural diagram of an enterprise evaluation device provided in Embodiment III of the present invention. The embodiment of the present invention is applicable to the situation of credit evaluation of small enterprises. The device can execute the enterprise evaluation method. The device can be implemented in the form of hardware and / or software. The device can be configured in an electronic device carrying the enterprise evaluation function, such as a client or a server.

[0152] See Figure 4 The enterprise evaluation device shown in FIG. includes: an enterprise evaluation index acquisition module 410, a priority relationship matrix generation module 420, a hierarchical index weight calculation module 430, an enterprise score calculation module 440, and an enterprise evaluation module 450. Among them, the enterprise evaluation index acquisition module 410 is used to acquire enterprise evaluation indexes at least two levels and enterprise evaluation data corresponding to each of the enterprise evaluation indexes of the enterprise to be evaluated; the priority relationship matrix generation module 420 is used to determine the priority relationship matrix corresponding to each of the enterprise evaluation indexes at each level according to the enterprise evaluation data corresponding to each of the enterprise evaluation indexes at each level; the hierarchical index weight calculation module 430 is used to determine the hierarchical index weights of the enterprise evaluation indexes at each level according to the priority relationship matrix corresponding to each of the enterprise evaluation indexes at each level; the enterprise score calculation module 440 is used to comprehensively calculate the hierarchical index weights of the enterprise evaluation indexes at each level step by step to obtain the enterprise score of the enterprise to be evaluated; the enterprise evaluation module 450 is used to evaluate the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated.

[0153] The technical solution of the embodiment of the present invention is as follows: by obtaining at least two levels of enterprise evaluation indicators and the enterprise evaluation data corresponding to the enterprise to be evaluated for each enterprise evaluation indicator, based on the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level, determining the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, according to the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, determining the hierarchical indicator weights of the enterprise evaluation indicators at each level, synthesizing the hierarchical indicator weights of the enterprise evaluation indicators at each level to obtain the enterprise score of the enterprise to be evaluated, and evaluating the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated to obtain the evaluation result of the enterprise to be evaluated. Through multi-level analysis and evaluation of the enterprise, a comprehensive evaluation of small enterprises can be achieved, reducing the uncertainty, ambiguity and subjective deviation in the enterprise evaluation process, improving the objectivity and accuracy of the enterprise evaluation, and then realizing the bill discounting of small enterprises, thereby improving the liquidity of the bill market resources.

[0154] In an alternative embodiment of the present invention, the priority relationship matrix generation module 420 includes: a priority relationship matrix generation unit, configured to use a pre-trained priority relationship matrix generation model to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level, and determine the priority relationship matrix corresponding to the enterprise evaluation indicators at each level; wherein, the training samples of the priority relationship matrix generation model include the enterprise evaluation samples corresponding to the enterprise evaluation indicators at each level and the corresponding priority relationship matrix samples.

[0155] In an alternative embodiment of the present invention, the priority relationship matrix generation module 420 further includes: a consistency check unit, configured to perform a consistency check on the priority relationship matrix corresponding to the enterprise evaluation indicators at each level after determining the priority relationship matrix corresponding to the enterprise evaluation indicators at each level; a priority relationship matrix adjustment unit, configured to adjust the priority relationship matrix corresponding to the enterprise evaluation indicators at each level when the consistency check fails.

[0156] In an alternative embodiment of the present invention, the hierarchical index weight calculation module 430 includes: a priority relationship matrix dimension detection unit for detecting the dimension of the priority relationship matrix corresponding to the enterprise evaluation indexes of a single said level; a first hierarchical index weight calculation unit for directly calculating the hierarchical index weight of the enterprise evaluation indexes of a single said level according to the priority relationship matrix corresponding to the enterprise evaluation indexes of a single said level when the dimension is less than or equal to two; and a second hierarchical index weight calculation unit for calculating the fuzzy weight matrix corresponding to the enterprise evaluation indexes of a single said level according to the priority relationship matrix corresponding to the enterprise evaluation indexes of a single said level and calculating the hierarchical index weight of the enterprise evaluation indexes of a single said level according to the fuzzy weight matrix corresponding to the enterprise evaluation indexes of a single said level when the dimension is greater than two.

[0157] In an alternative embodiment of the present invention, the enterprise score calculation module 440 includes: a current level selection unit for selecting the lowest level as the current level in accordance with the hierarchical refinement order; a next-level enterprise evaluation index detection unit for detecting whether there are enterprise evaluation indexes of the next level for the enterprise evaluation indexes of the current level; a hierarchical index weight update unit for summing up the hierarchical index weights of the enterprise evaluation indexes of each next level and calculating the product of the summation result and the hierarchical index weight of the enterprise evaluation indexes of the current level to update the hierarchical index weight of the enterprise evaluation indexes of the current level when there are enterprise evaluation indexes of the next level for the enterprise evaluation indexes of the current level; an enterprise evaluation index level detection unit for detecting whether the enterprise evaluation indexes of the current level are the highest-level enterprise evaluation indexes; and an enterprise score calculation unit for updating the enterprise evaluation indexes of the upper level of the enterprise evaluation indexes of the current level to the enterprise evaluation indexes of the current level and returning to execute the step of detecting whether there are enterprise evaluation indexes of the next level for the enterprise evaluation indexes of the current level until the enterprise evaluation indexes of the current level are the highest-level enterprise evaluation indexes, and obtaining the enterprise score of the enterprise to be evaluated according to the hierarchical index weight of the enterprise evaluation indexes of the current level.

[0158] In an alternative embodiment of the present invention, the enterprise evaluation index has four levels; among them, the first-level enterprise evaluation index is the enterprise score; the second-level enterprise evaluation index includes non-financial indicators and financial indicators; the third-level enterprise evaluation indicators corresponding to the non-financial indicators include the proportion of valid invoices, the number of transactions per year, the credit rating, and the default record; the third-level enterprise evaluation indicators corresponding to the financial indicators include profitability, cash flow, and development potential; the fourth-level enterprise evaluation indicators corresponding to the profitability include the sales profit rate and the return on capital; the fourth-level enterprise evaluation indicators corresponding to the development potential include the revenue growth rate and the profit growth rate.

[0159] The enterprise evaluation device provided by the embodiment of the present invention can execute the enterprise evaluation method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects for executing the method.

[0160] In the technical solution of the embodiment of the present invention, the collected information is the 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, etc., all 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 customs, and provide a corresponding operation entry for the user to choose to authorize or refuse.

[0161] Embodiment Four

[0162] According to an embodiment of the present invention, the present invention also provides an electronic device, a readable storage medium, and a computer program product.

[0163] Figure 5 FIG. shows a schematic structural diagram of an electronic device 500 that can be used to implement the embodiments of the present invention. The electronic device is intended to represent various forms of digital computers, such as, a laptop computer, a desktop computer, a workbench, a personal digital assistant, a server, a blade server, a mainframe computer, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as, a personal digital processor, a cellular phone, a smart phone, a wearable device (such as a helmet, glasses, a watch, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0164] As Figure 5As shown, the electronic device 500 includes at least one processor 501 and a memory communicatively connected to the at least one processor 501, such as read-only memory (ROM) 502, random access memory (RAM) 503, etc. The memory stores a computer program executable by the at least one processor. The processor 501 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 502 or the computer program loaded from the storage unit 508 into the random access memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the electronic device 500 can also be stored. The processor 501, ROM 502, and RAM 503 are connected to each other via a bus 504. The input / output (I / O) interface 505 is also connected to the bus 504.

[0165] Multiple components in the electronic device 500 are connected to the I / O interface 505, including: an input unit 506, such as a keyboard, a mouse, etc.; an output unit 507, such as various types of displays, speakers, etc.; a storage unit 508, such as a magnetic disk, an optical disc, etc.; and a communication unit 509, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 509 allows the electronic device 500 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0166] The processor 501 can be various general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of the processor 501 include but are not limited to a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 501 executes the various methods and processes described above, such as the enterprise evaluation method.

[0167] In some embodiments, the enterprise evaluation method can be implemented as a computer program tangibly embodied in a computer-readable storage medium, such as the storage unit 508. In some embodiments, part or all of the computer program can be loaded and / or installed onto the electronic device 500 via the ROM 502 and / or the communication unit 509. When the computer program is loaded into the RAM 503 and executed by the processor 501, one or more steps of the enterprise evaluation method described above can be executed. Alternatively, in other embodiments, the processor 501 can be configured to execute the enterprise evaluation method in any other appropriate way (e.g., by means of firmware).

[0168] The various embodiments of the systems and techniques described above in this specification can be implemented in digital electronic circuitry, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on a chip (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include: being implemented in one or more computer programs that are executable and / or interpretable on a programmable system including at least one programmable processor, which can be a special-purpose or general-purpose programmable processor that receives data and instructions from, and transmits data and instructions to, a storage system, at least one input device, and at least one output device.

[0169] The computer program for implementing the methods of the present invention can be written in any combination of one or more programming languages. These computer programs can be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions / operations specified in the flowchart and / or block diagram to be implemented. The computer program can be executed entirely on the machine, partly on the machine, as a stand-alone software package partly on the machine and partly on a remote machine or entirely on the remote machine or server.

[0170] In the context of the present invention, a computer-readable storage medium can be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. The computer-readable storage medium can include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination of the foregoing. Alternatively, the computer-readable storage medium can be a machine-readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0171] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device for displaying information to the user (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor); and a keyboard and a pointing device (e.g., a mouse or a trackball) through which the user can provide input to the electronic device. Other kinds of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0172] The systems and techniques described herein can be implemented in a computing system including backend components (e.g., as a data server), or a computing system including middleware components (e.g., an application server), or a computing system including frontend components (e.g., a user computer having a graphical user interface or a web browser through which the user can interact with an implementation of the systems and techniques described herein), or a computing system including any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected to each other by digital data communication in any form or medium (e.g., a communication network). Examples of communication networks include: local area network (LAN), wide area network (WAN), blockchain network, and the Internet.

[0173] A computing system can include a client and a server. The client and the server are generally far from each other and usually interact through a communication network. The client-server relationship is created by computer programs running on respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or a cloud host, which is a host product in the cloud computing service system and solves the defects of difficult management and weak business scalability existing in traditional physical hosts and VPS (Virtual Private Server) services.

[0174] It should be understood that various forms of the processes shown above can be used, with steps reordered, added, or deleted. For example, the steps recited in the present invention can be executed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved, and no limitation is imposed herein.

[0175] The above specific embodiments do not constitute a limitation on the protection scope of the present invention. Those skilled in the art should understand that various modifications, combinations, sub - combinations and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A method for evaluating an enterprise, characterized in that: The method comprises: Obtain at least two levels of enterprise evaluation indicators and enterprise evaluation data corresponding to each of the enterprise evaluation indicators of the enterprise to be evaluated; Determine the priority relationship matrix corresponding to the enterprise evaluation indicators at each level according to the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level; Determining the hierarchical indicator weights of the enterprise evaluation indicators at each level according to the priority relationship matrix corresponding to the enterprise evaluation indicators at each level; The hierarchical indicator weights of the enterprise evaluation indicators at each level are integrated to obtain the enterprise score of the enterprise to be evaluated; The enterprise to be evaluated is evaluated according to the enterprise score of the enterprise to be evaluated to obtain an evaluation result of the enterprise to be evaluated.

2. The method according to claim 1, characterized in that Determining the priority relationship matrix corresponding to the enterprise evaluation indicators at each level according to the enterprise evaluation data corresponding to the enterprise evaluation indicators at each level includes: A pre-trained priority relationship matrix generation model is used to detect the enterprise evaluation data corresponding to the enterprise evaluation indicators of each level, and determine the priority relationship matrix corresponding to the enterprise evaluation indicators of each level; wherein the training samples of the priority relationship matrix generation model include enterprise evaluation samples corresponding to the enterprise evaluation indicators of each level and the corresponding priority relationship matrix samples.

3. The method according to claim 1 or 2, characterized in that: After determining the priority relationship matrix corresponding to the enterprise evaluation indicators at each level, the method further includes: Conduct consistency checks on the priority relationship matrices corresponding to the enterprise evaluation indicators at the said levels; When the consistency check fails, the priority relationship matrix corresponding to the enterprise evaluation indicators at the level is adjusted.

4. The method according to claim 1, characterized in that Determining the hierarchical indicator weights of the enterprise evaluation indicators at each level according to the priority relationship matrix corresponding to the enterprise evaluation indicators at each level includes: For a single enterprise evaluation indicator of the said level, performing dimension detection on a priority relationship matrix corresponding to the enterprise evaluation indicator of the said level; For a single enterprise evaluation indicator of the said level, when the dimension is less than or equal to two dimensions, the level indicator weight of the enterprise evaluation indicator of the said level is directly calculated according to the priority relationship matrix corresponding to the enterprise evaluation indicator of the said level; For a single enterprise evaluation indicator of the said level, when the dimension is greater than two dimensions, the fuzzy weight matrix corresponding to the enterprise evaluation indicator of the said level is calculated according to the priority relationship matrix corresponding to the enterprise evaluation indicator of the said level, and the level indicator weight of the enterprise evaluation indicator of the said level is calculated according to the fuzzy weight matrix corresponding to the enterprise evaluation indicator of the said level.

5. The method according to claim 1, characterized in that The hierarchical indicator weights of the enterprise evaluation indicators at each level are integrated to obtain the enterprise score of the enterprise to be evaluated, including: According to the hierarchy refinement order, the lowest level is selected as the current level; For the enterprise evaluation indicators of the current level, detecting whether the enterprise evaluation indicators of the current level have enterprise evaluation indicators of the next level; For the enterprise evaluation indicators of the current level, when the enterprise evaluation indicators of the current level exist in the enterprise evaluation indicators of the next level, the level indicator weights of the enterprise evaluation indicators of the next level are summed, and the product of the summation result and the level indicator weights of the enterprise evaluation indicators of the level is calculated to update the level indicator weights of the enterprise evaluation indicators of the current level; For the enterprise evaluation index of the current level, detecting whether the enterprise evaluation index of the current level is the highest level enterprise evaluation index; For the enterprise evaluation indicators of the current level, when the enterprise evaluation indicators of the current level are not the highest-level enterprise evaluation indicators, the enterprise evaluation indicators of the previous level of the enterprise evaluation indicators of the current level are updated to the enterprise evaluation indicators of the current level, and the step of detecting whether the enterprise evaluation indicators of the current level have enterprise evaluation indicators of the next level is returned to execute, until the enterprise evaluation indicators of the current level are the highest-level enterprise evaluation indicators, and then the enterprise score of the enterprise to be evaluated is obtained according to the level indicator weight of the enterprise evaluation indicators of the current level.

6. The method according to claim 1, characterized in that There are four levels of enterprise evaluation indicators; among them, the first-level enterprise evaluation indicators are enterprise scores; the second-level enterprise evaluation indicators include non-financial indicators and financial indicators; the third-level enterprise evaluation indicators corresponding to the non-financial indicators include the proportion of valid invoices, the number of transactions per year, credit rating and default records; the third-level enterprise evaluation indicators corresponding to the financial indicators include profitability, cash flow and development potential; the fourth-level enterprise evaluation indicators corresponding to profitability include sales profit margin and return on capital; the fourth-level enterprise evaluation indicators corresponding to development potential include revenue growth rate and profit growth rate.

7. An enterprise evaluation device, characterized in that: The device comprises: An enterprise evaluation index acquisition module is used to acquire enterprise evaluation indexes of at least two levels and enterprise evaluation data corresponding to each of the enterprise evaluation indexes of the enterprise to be evaluated; A priority relationship matrix generating module, used to determine the priority relationship matrix corresponding to the enterprise evaluation indicators of each level according to the enterprise evaluation data corresponding to the enterprise evaluation indicators of each level; A hierarchical indicator weight calculation module, used to determine the hierarchical indicator weights of the enterprise evaluation indicators of each said level according to the priority relationship matrix corresponding to the enterprise evaluation indicators of each said level; An enterprise scoring calculation module is used to synthesize the hierarchical indicator weights of the enterprise evaluation indicators of each level step by step to obtain the enterprise score of the enterprise to be evaluated; The enterprise evaluation module is used to evaluate the enterprise to be evaluated according to the enterprise score of the enterprise to be evaluated, and obtain the evaluation result of the enterprise to be evaluated.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the enterprise assessment method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the enterprise assessment method according to any one of claims 1 to 6 when executed.

10. A computer program product, characterized in that The computer program product comprises a computer program, which, when executed by a processor, implements the enterprise evaluation method according to any one of claims 1 to 6.

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