Small and micro enterprise service method and system, electronic equipment and storage medium

Abstract

The invention discloses a small and micro enterprise service method and system, electronic equipment and a storage medium, and the method comprises the steps: obtaining small and micro enterprises and small and micro enterprise owner information through an enterprise customer information platform, the enterprise customer information platform integrates the acquired information of the small and micro enterprises and the information of the small and micro enterprise owners to generate a small and micro enterprise label model and an enterprise owner label model; the enterprise customer information platform obtains enterprise portrait information and enterprise owner portrait information according to the small and micro enterprise label model and the enterprise owner label model, and associates the enterprise portrait information with the enterprise owner portrait information to obtain the enterprise portrait information after information association so as to realize linkage management between the small and micro enterprises and the enterprise owners thereof; and each business system of the bank calls the enterprise portrait information after information association from the enterprise customer information platform, and generates a small and micro enterprise financial service label according to a business scene so as to provide services for the small and micro enterprises.

Description

Technical Field

[0001] The present invention relates to the technical field of bank information management and services, and particularly relates to a service method, system, electronic device and storage medium for small and micro enterprises. Background Art

[0002] In recent years, relevant departments have repeatedly emphasized that supporting the high-quality development of small and micro enterprises is a practical need to stabilize the macroeconomic situation and promote employment, and it is necessary to "fully recognize the importance and urgency of promoting the high-quality development of small and micro enterprises from a strategic height". The problem of some banks' preference for large enterprises over small and micro enterprises in credit lending has been improved.

[0003] However, the risk control problem remains a major obstacle restricting the financing of small and micro enterprises. There are diverse types of small and micro enterprises in China, and there are significant differences in their business models, business scopes, and profit models, which all increase the difficulty of matching risk strategies and index requirements, posing a great challenge to the automation of the digital risk control system.

[0004] The financing difficulties of small and micro enterprises largely stem from the information asymmetry between banks and small and micro enterprises. The existing methods for banks to provide services to small and micro enterprises have the following problems:

[0005] 1. Small and micro enterprises have little information, incomplete background investigation information, and limited reference content.

[0006] 2. Lack of analysis and reference for small and micro enterprise owners and managers.

[0007] 3. In the existing technical system, the management of personal-to-corporate business is independently carried out by different business parts without intersection, and no association relationship is established between small and micro enterprises and their owners, which is not conducive to banks making risk judgments. Summary of the Invention

[0008] Aiming at the deficiencies in the prior art, the present invention provides a service method, system, electronic device and storage medium for small and micro enterprises. By associating the portrait information of small and micro enterprises with the portrait information of their owners, the enterprise portrait information after information association is obtained. Each business system of the bank calls the enterprise portrait after information association and provides services for small and micro enterprises according to the actual business scenario.

[0009] The first object of the present invention is to provide a service method for small and micro enterprises, including:

[0010] Obtaining the information of small and micro enterprises and their owners through the enterprise customer information platform. The information of small and micro enterprises includes registration information, business scope, equity structure, management personnel information, credit and risk information, and business operation information. The information of small and micro enterprise owners includes personal information, credit and risk information, financial behavior, and enterprise association information;

[0011] The enterprise customer information platform integrates the obtained information of small and micro enterprises and the information of small and micro enterprise owners respectively to generate a small and micro enterprise label model and an enterprise owner label model;

[0012] The enterprise customer information platform obtains enterprise portrait information and enterprise owner portrait information according to the small and micro enterprise label model and the enterprise owner label model, and correlates the enterprise portrait information with the enterprise owner portrait information to obtain the enterprise portrait information after information correlation, so as to realize the linkage management between small and micro enterprises and their enterprise owners;

[0013] Each business system of the bank calls the enterprise portrait information after information correlation from the enterprise customer information platform, and generates small and micro enterprise financial service labels according to the business scenario to provide services for small and micro enterprises.

[0014] As a further improvement of the present invention, the information of small and micro enterprises and small and micro enterprise owners is obtained by the enterprise customer information platform from peripheral systems, and the peripheral systems include a tax system, an industrial and commercial data system, and a personal credit system.

[0015] As a further improvement of the present invention, the ways for the enterprise customer information platform to obtain the information of small and micro enterprises and small and micro enterprise owners from peripheral systems include:

[0016] Obtaining information from the peripheral system through an enterprise service bus interface;

[0017] Obtaining information from the peripheral system through batch file exchange processing.

[0018] As a further improvement of the present invention, the ways for each business system of the bank to call the enterprise portrait information after information correlation from the enterprise customer information platform include:

[0019] Calling information from the enterprise customer information platform through an enterprise service bus interface;

[0020] Calling information from the enterprise customer information platform through batch file exchange processing;

[0021] Directly accessing the enterprise customer information platform to call information.

[0022] As a further improvement of the present invention, when each business system of the bank calls information from the enterprise customer information platform through an enterprise service bus interface, it includes:

[0023] Entering query conditions and accessing the enterprise customer information platform through the enterprise service bus interface;

[0024] The enterprise customer information platform verifies the query conditions, and after the verification passes, calls the information and forwards the information to each business system of the bank.

[0025] As a further improvement of the present invention, after providing services to small and micro enterprises, each business system of the bank synchronously updates the service information to the enterprise customer information platform through the enterprise service bus interface or through batch file exchange processing.

[0026] As a further improvement of the present invention, after each business system of the bank calls the enterprise portrait information after information association, it analyzes the sub - fields to which the small and micro enterprises belong according to the business scope and operation information in the portrait, so as to generate financial service labels for small and micro enterprises and formulate service strategies for small and micro enterprises;

[0027] The service strategies include adjusting the loan approval mechanism, adjusting the enterprise rating, adjusting the enterprise risk control indicators, and adjusting the business marketing service.

[0028] The second object of the present invention is to provide a small and micro enterprise service system for implementing the above - mentioned service method. The system includes:

[0029] An enterprise customer information platform, which includes an information acquisition module, a label generation module, and an information association module;

[0030] The information acquisition module is used to acquire information of small and micro enterprises and small and micro enterprise owners. The information of small and micro enterprises includes registration information, business scope, equity structure, management personnel information, credit and risk information, and operation information. The information of small and micro enterprise owners includes personal information, credit and risk information, financial behavior, and enterprise association information;

[0031] The label generation module is used to integrate the acquired information of small and micro enterprises and information of small and micro enterprises to generate a small and micro enterprise label model and an enterprise owner label model;

[0032] The information association module is used to obtain enterprise portrait information and enterprise owner portrait information according to the small and micro enterprise label model and the enterprise owner label model, and associate the enterprise portrait information with the enterprise owner portrait information to obtain the enterprise portrait information after information association, so as to realize the linkage management between small and micro enterprises and their enterprise owners;

[0033] Multiple business systems, which are respectively connected to the information association module, are used to call the enterprise portrait information after information association in the information association module and generate financial service labels for small and micro enterprises according to business scenarios, so as to provide services for small and micro enterprises.

[0034] The third object of the present invention is to provide an electronic device, which includes at least one processing unit and at least one storage unit. Among them, the storage unit stores a computer program, and when the program is executed by the processing unit, the processing unit executes the above - mentioned service method.

[0035] A third object of the present invention is to provide a storage medium storing a computer program executable by an electronic device, which, when running on the electronic device, causes the electronic device to execute the above service method.

[0036] Compared with the prior art, the beneficial effects of the present invention are as follows:

[0037] By integrating multi-dimensional information of small and micro enterprises and their owners to generate a label model and portrait information, banks can more comprehensively understand the business conditions and credit status of small and micro enterprises, so as to quickly and accurately formulate targeted financial service strategies. By associating the portrait information of small and micro enterprises with the portrait information of their owners, the linkage management between small and micro enterprises and their owners is realized, which helps banks comprehensively consider the factors of enterprises and their owners when providing services, and improves the accuracy and satisfaction of services.

[0038] Using key data such as credit and risk information, banks can more effectively evaluate the credit risk and default risk of small and micro enterprises, providing a scientific basis for loan approval, enterprise rating, and adjustment of risk control indicators. By continuously updating and synchronizing service information, banks can timely grasp the business changes of small and micro enterprises, dynamically adjust risk management measures, and effectively prevent potential risks.

[0039] According to the sub-sectors to which small and micro enterprises belong and portrait information, banks can develop financial service products that better meet market demands and the characteristics of small and micro enterprises, promoting business innovation.

[0040] Through the enterprise customer information platform, centralized management and efficient utilization of information are realized, avoiding information silos and duplicate labor, improving data processing efficiency, and providing multiple information invocation methods to meet the needs of different business systems and enhancing the utilization efficiency of information. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1 It is a flowchart of the service method for small and micro enterprises;

[0042] Figure 2 It is a schematic diagram of invoking information through the enterprise customer information platform;

[0043] Figure 3 It is a schematic structural diagram of the service system for small and micro enterprises. DETAILED DESCRIPTION OF THE INVENTION

[0044] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, 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 some, but not all, of the embodiments of the present invention. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the scope of protection of the present invention.

[0045] The present invention will be further described in detail below with reference to the accompanying drawings:

[0046] This embodiment provides a service method for small and micro enterprises. The method process is as Figure 1 shown, and the method includes:

[0047] Obtain the information of small and micro enterprises and the information of small and micro enterprise owners through the enterprise customer information platform. The information of small and micro enterprises includes registration information, business scope, equity structure, management personnel information, credit and risk information, and business information. The information of small and micro enterprise owners includes personal information, credit and risk information, financial behavior, and enterprise-related information;

[0048] The enterprise customer information platform integrates the obtained information of small and micro enterprises and the information of small and micro enterprises respectively to generate a small and micro enterprise label model and an enterprise owner label model;

[0049] The enterprise customer information platform obtains enterprise portrait information and enterprise owner portrait information according to the small and micro enterprise label model and the enterprise owner label model, and correlates the enterprise portrait information with the enterprise owner portrait information to obtain the enterprise portrait information after information correlation, so as to realize the linkage management between small and micro enterprises and their enterprise owners;

[0050] Each business system of the bank calls the enterprise portrait information after information correlation from the enterprise customer information platform and generates small and micro enterprise financial service labels according to the business scenario to provide services for small and micro enterprises.

[0051] The method provided in this embodiment integrates multi-dimensional information of small and micro enterprises and their enterprise owners to generate label models and portrait information. The bank can more comprehensively understand the business conditions and credit conditions of small and micro enterprises, so as to quickly and accurately formulate targeted financial service strategies. By correlating the small and micro enterprise portrait information with the small and micro enterprise owner portrait information, the linkage management between small and micro enterprises and their enterprise owners is realized, which helps the bank to comprehensively consider the factors of the enterprise and the enterprise owner when providing services, and improves the accuracy and satisfaction of the services.

[0052] The ways for the enterprise customer information platform to obtain information on small and micro enterprises and small and micro enterprise owners include: the enterprise customer information platform obtains information from peripheral systems through the enterprise service bus interface or through batch file exchange processing; among them, the peripheral systems include the tax system, the industrial and commercial data system, and the personal credit investigation system.

[0053] Integrate the information of small and micro enterprises and small and micro enterprise owners respectively, extract various tags such as basic information tags, credit and risk tags, behavior preference tags, statistical analysis tags, etc. from them. The number of fields included in the tag information reaches more than 800, and generate a small and micro enterprise tag model and a small and micro enterprise owner tag model based on this.

[0054] Each business system of the bank retrieves information through the enterprise customer information platform. The retrieval methods include:

[0055] Retrieve information from the enterprise customer information platform through the enterprise service bus interface;

[0056] Retrieve information from the enterprise customer information platform through the method of batch file exchange processing;

[0057] Directly access the enterprise customer information platform to retrieve information.

[0058] Through the enterprise customer information platform, centralized management and efficient utilization of information are realized, avoiding information islands and duplicate labor, improving data processing efficiency, and providing multiple information retrieval methods to meet the needs of different business systems and enhancing the utilization efficiency of information. The connection relationship between the enterprise customer platform and each system, as well as the method for retrieving information from the enterprise customer platform, are as Figure 2 shown.

[0059] Furthermore, when each business system of the bank retrieves information from the enterprise customer information platform through the enterprise service bus interface, it includes:

[0060] Enter the query conditions and access the enterprise customer information platform through the enterprise service bus interface;

[0061] The enterprise customer information platform verifies the query conditions. After the verification passes, it retrieves the information and forwards the information to each business system of the bank.

[0062] Among them, the query conditions include: querying by using the three elements of document type, document number, and document name, identifying the enterprise number through the three elements to query the enterprise portrait information after information association; and directly querying by using the enterprise number; the query result is forwarded in the form of an information data view.

[0063] After the business systems of the bank call the enterprise portrait information after information association, they analyze the sub - fields to which the small and micro enterprises belong based on the business scope and business information of the enterprises, so as to generate financial service tags for small and micro enterprises and formulate service strategies for them.

[0064] The service strategies include adjusting the loan approval mechanism, adjusting the enterprise rating, adjusting the enterprise risk control indicators, and adjusting the business marketing service.

[0065] And after providing services to small and micro enterprises, the business systems of the bank will synchronously update the service information to the enterprise customer information platform through the enterprise service bus interface or through the method of batch file exchange processing.

[0066] Based on the sub - fields and portrait information to which the small and micro enterprises belong, the bank can develop financial service products that better meet the market demand and the characteristics of small and micro enterprises, promoting business innovation. At the same time, by using key data such as credit and risk information, the bank can more effectively evaluate the credit risk and default risk of small and micro enterprises, providing a scientific basis for loan approval, enterprise rating, and adjustment of risk control indicators. By continuously updating and synchronizing service information, the bank can timely grasp the business changes of small and micro enterprises, dynamically adjust risk management measures, and effectively prevent potential risks.

[0067] For example, when the bank provides credit services to a small and micro enterprise and finds that there are problems with the personal credit of the enterprise owner, it triggers the credit review process of the enterprises associated with the enterprise owner, re - evaluates the credit risk of the enterprise, and quickly adjusts the services for the enterprise and related financial service products.

[0068] This embodiment provides a small and micro enterprise service system for implementing the above - mentioned service method, and the system structure is as Figure 3 shown. The system includes:

[0069] An enterprise customer information platform, which includes an information acquisition module, a tag generation module, and an information association module;

[0070] The information acquisition module is used to acquire information of small and micro enterprises and small and micro enterprise owners. The information of small and micro enterprises includes registration information, business scope, equity structure, management personnel information, credit and risk information, and business information. The information of small and micro enterprise owners includes personal information, credit and risk information, financial behavior, and enterprise association information.

[0071] The tag generation module is used to integrate the acquired information of small and micro enterprises and small and micro enterprises to generate a small and micro enterprise tag model and an enterprise owner tag model.

[0072] The information association module is used to obtain enterprise portrait information and enterprise owner portrait information according to the small and micro enterprise label model and the enterprise owner label model, and associate the enterprise portrait information with the enterprise owner portrait information to obtain the enterprise portrait information after information association, so as to realize the linkage management between small and micro enterprises and their enterprise owners;

[0073] Multiple business systems are respectively connected to the information association module, and are used to call the enterprise portrait information after information association in the information association module, and generate small and micro enterprise financial service labels according to business scenarios to provide services for small and micro enterprises.

[0074] The system provided in this embodiment integrates multi-dimensional information of small and micro enterprises and their enterprise owners to generate label models and portrait information, enabling banks to more comprehensively understand the business conditions and credit conditions of small and micro enterprises, so as to quickly and accurately formulate targeted financial service strategies. At the same time, by associating the small and micro enterprise portrait information with the enterprise owner portrait information, the linkage management between small and micro enterprises and their enterprise owners is realized, which helps banks comprehensively consider the factors of enterprises and enterprise owners when providing services, and improves the accuracy and satisfaction of services.

[0075] This embodiment provides an electronic device, including at least one processing unit and at least one storage unit. Among them, the storage unit stores a computer program, and when the program is executed by the processing unit, the processing unit is enabled to execute the above service method.

[0076] This embodiment provides a storage medium, which stores a computer program executable by an electronic device. When the program runs on the electronic device, the electronic device is enabled to execute the above service method.

[0077] The above are only the preferred embodiments of the present invention and are not used to limit the present invention. For those skilled in the art, various changes and modifications can be made to the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A small and micro enterprise service method, characterized in that: include: Obtain information about small and micro enterprises and their owners through the enterprise customer information platform. The information about small and micro enterprises includes registration information, business scope, equity structure, management information, credit and risk information, and business information. The information about small and micro enterprise owners includes personal information, credit and risk information, financial behavior, and enterprise-related information; The enterprise customer information platform integrates the acquired micro-small enterprise information and micro-small enterprise information to generate a micro-small enterprise label model and an enterprise master label model; The enterprise customer information platform obtains enterprise portrait information and business owner portrait information based on the small and micro enterprise label model and the business owner label model, and associates the enterprise portrait information with the business owner portrait information to obtain the enterprise portrait information after information association, so as to realize the linkage management between small and micro enterprises and their business owners; The bank's various business systems call up the corporate portrait information after information association from the corporate customer information platform, and generate small and micro enterprise financial service tags based on business scenarios to provide services to small and micro enterprises.

2. The service method according to claim 1, characterized in that: The information of small and micro enterprises and their owners is obtained from peripheral systems through the enterprise customer information platform, and the peripheral systems include tax systems, industrial and commercial data systems, and personal credit systems.

3. The service method according to claim 2, characterized in that: The enterprise customer information platform obtains information about small and micro enterprises and their owners from peripheral systems in the following ways: Acquiring information from the peripheral system through an enterprise service bus interface; Information is obtained from the peripheral system by batch file exchange processing.

4. The service method according to claim 1, characterized in that: The manner in which each business system of the bank calls the enterprise portrait information after information association from the enterprise customer information platform includes: Retrieving information from the enterprise customer information platform through an enterprise service bus interface; Retrieving information from the enterprise customer information platform by batch file exchange processing; Directly access the enterprise customer information platform to call information.

5. The service method according to claim 4, characterized in that: The bank's business systems call information from the enterprise customer information platform through the enterprise service bus interface, including: Enter the query conditions and access the enterprise customer information platform through the enterprise service bus interface; The corporate customer information platform verifies the query conditions, calls up the information after verification and forwards it to the bank's various business systems.

6. The service method according to claim 4, characterized in that: After providing services to small and micro enterprises, the bank's various business systems will synchronously update the service information to the enterprise customer information platform through the enterprise service bus interface or through batch file exchange processing.

7. The service method according to claim 1, characterized in that: After calling the enterprise portrait information after information association, the bank's business systems analyze the sub-sectors to which the small and micro enterprises belong based on the business scope and business information in the portrait, so as to generate financial service labels for small and micro enterprises and formulate service strategies for them; The service strategies include adjusting the loan approval mechanism, adjusting corporate ratings, adjusting corporate risk control indicators, and adjusting business marketing services.

8. A small and micro enterprise service system, used to implement the service method according to any one of claims 1 to 7, characterized in that: The system comprises: An enterprise customer information platform, the platform comprising an information acquisition module, a label generation module, and an information association module; The information acquisition module is used to obtain information about small and micro enterprises and their owners. The information about small and micro enterprises includes registration information, business scope, equity structure, management personnel information, credit and risk information, and business information. The information about small and micro enterprise owners includes personal information, credit and risk information, financial behavior, and enterprise-related information. The label generation module is used to integrate the acquired micro-enterprise information and micro-enterprise information to generate a micro-enterprise label model and an enterprise master label model; The information association module is used to obtain enterprise portrait information and business owner portrait information according to the small and micro enterprise label model and the business owner label model, and associate the enterprise portrait information with the business owner portrait information to obtain the enterprise portrait information after information association, so as to realize the linkage management between the small and micro enterprises and their business owners; Multiple business systems are respectively connected to the information association module, and are used to call the enterprise portrait information after information association in the information association module, and generate small and micro enterprise financial service tags according to business scenarios to provide services for small and micro enterprises.

9. An electronic device, characterized in that: The system comprises at least one processing unit and at least one storage unit, wherein the storage unit stores a computer program, and when the program is executed by the processing unit, the processing unit executes the service method according to any one of claims 1 to 7.

10. A storage medium, characterized in that: It stores a computer program executable by an electronic device. When the program runs on the electronic device, the electronic device executes the service method according to any one of claims 1 to 7.

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