Scientific and technological finance comprehensive enabling service system and method based on Beidou satellite application industry

Abstract

The invention relates to the technical field of science and technology finance services, in particular to a science and technology finance comprehensive enabling service system and method based on the Beidou satellite application industry, and the system comprises four modules: a data collection and integration module which collects enterprise finance and project information and geographical and time information collected by Beidou satellites, and integrates the information to form multi-source data; the risk assessment and income prediction module analyzes the multi-source data by using a preset model, assesses the enterprise risk and predicts the income potential; the fund supervision and enterprise operation monitoring module monitors the fund flow direction and the equipment state of the enterprise in real time by means of the high-precision positioning and time service functions of a Beidou satellite; and the financial decision support module comprehensively evaluates and predicts the result and the monitoring data to generate decision suggestions. The Beidou satellite and enterprise information are fused, the enterprise condition is accurately evaluated, fund equipment supervision is enhanced, and the problems that the Beidou satellite application industry and science and technology financial resources are difficult to integrate, and risk evaluation and fund supervision are low in efficiency are effectively solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of science and technology financial services, and particularly relates to a science and technology financial comprehensive enabling service system and method based on a Beidou satellite application industry. BACKGROUND

[0002] With the rapid development of the Beidou satellite application industry, it has shown great potential in various fields, such as transportation, disaster monitoring, smart city construction, etc. However, there are still many deficiencies in the deep integration of the Beidou satellite application industry and science and technology finance.

[0003] In the prior art, on the one hand, enterprises in the Beidou satellite application industry face many difficulties in obtaining financial support. Due to the characteristics of high investment, high risk and long cycle of their business, traditional financial institutions are difficult to accurately assess the risks and benefits, resulting in narrow financing channels and high financing costs. For example, some start-ups engaged in the research and development of high-precision Beidou satellite positioning equipment find it difficult to obtain sufficient loans from banks due to the lack of collateral and stable financial data.

[0004] On the other hand, financial institutions lack effective technical means to monitor the use of funds and the operation of enterprises in real time when serving the Beidou satellite application industry. They cannot accurately control the assets and project progress of enterprises based on the high-precision positioning and timing functions of Beidou satellites, making it difficult to achieve efficient allocation of financial resources. For example, after issuing loans for large projects involving Beidou satellite applications, financial institutions cannot real-time understand the equipment operation status and whether the project progress meets expectations, and cannot timely discover potential risks and take measures.

[0005] Furthermore, existing science and technology financial service platforms lack the ability to deeply mine and analyze data of the Beidou satellite application industry. They cannot fuse and analyze geographic information, time information, etc. collected by Beidou satellites with financial data, market data, etc. of enterprises, making it difficult to accurately assess the value and development potential of enterprises and providing comprehensive and accurate data support for financial decision-making. SUMMARY

[0006] In order to overcome the technical defects that the prior art is difficult to realize the effective integration of Beidou satellite application industry and science and technology financial resources, cannot accurately assess the enterprise risk and benefit, and is difficult to monitor the fund use and enterprise operation status in real time, one of the purposes of the present application is to provide a science and technology financial comprehensive enabling service system and method based on Beidou satellite application industry. The present application obtains multi-source data by fusing the information collected by Beidou satellite and the information of enterprises, so as to assess and predict the risk status and benefit potential of enterprises, and combines the fund and equipment monitoring of enterprises, so as to solve the problems of insufficient integration of Beidou satellite application industry and science and technology financial resources, low efficiency of risk assessment and fund supervision in the prior art.

[0007] The present application discloses a science and technology financial comprehensive enabling service system based on Beidou satellite application industry, comprising: a data acquisition and integration module, a risk assessment and benefit prediction module, a fund supervision and enterprise operation monitoring module, and a financial decision support module; wherein,

[0008] The data acquisition and integration module is used for acquiring the financial information, project information, geographic information and time information of enterprises in the Beidou satellite application industry, and obtaining multi-source data after integration processing;

[0009] The risk assessment and benefit prediction module is connected with the data acquisition and integration module, and is used for analyzing the multi-source data based on a preset risk assessment model and a benefit prediction model, so as to respectively assess and predict the risk status and benefit potential of enterprises;

[0010] The fund supervision and enterprise operation monitoring module is used for monitoring the fund flow direction and the key nodes and equipment states in the operation process of enterprises in real time according to the high-precision positioning and timing functions of Beidou satellite, so as to obtain monitoring data;

[0011] The financial decision support module is connected with the risk assessment and benefit prediction module and the fund supervision and enterprise operation monitoring module, and is used for generating decision suggestions according to the assessment results and prediction results of the risk assessment model and benefit prediction module and the monitoring data.

[0012] Preferably, the data acquisition and integration module acquires the financial information based on the financial system of enterprises, acquires the project information based on the project management platform interface of enterprises, and respectively acquires the geographic information and time information based on the data receiving terminal of Beidou satellite;

[0013] Before the data acquisition and integration module integrates the financial information, project information, geographic information and time information collected by Beidou satellite, it further comprises data cleaning of the financial information, project information, geographic information and time information collected by Beidou satellite. The data cleaning is based on a data cleaning algorithm for denoising and outlier processing, and the calculation formula of the data cleaning algorithm is:

[0014]

[0015] wherein, is the cleaned information of each type, X is the original information of each type, is the mean value of each type of information, is the standard deviation, is the threshold coefficient.

[0016] Preferably, the risk assessment model is based on the analytic hierarchy process and fuzzy comprehensive evaluation method to construct a risk assessment index system to determine the weight of each information in the multi-source data, so as to quantitatively evaluate the enterprise risk situation.

[0017] The revenue prediction model is based on time series analysis and regression analysis to predict the revenue potential of the enterprise, and the prediction calculation formula is:

[0018]

[0019] wherein, is the predicted potential revenue value, is the historical revenue data, is the relevant influencing factor data, , is the coefficient, is the error term.

[0020] Preferably, the fund supervision and enterprise operation monitoring module is based on setting monitoring points in the fund transaction account of the enterprise, and based on the Beidou satellite timing to record the fund transaction time and fund flow direction of the enterprise; a Beidou positioning terminal is installed on the key equipment of the enterprise to monitor the position and running state of the key equipment of the enterprise in real time.

[0021] Preferably, the financial decision support module is based on the decision tree algorithm to construct a decision model, and the evaluation results of the risk assessment model and the revenue prediction module, the prediction results and the monitoring data are used as the input features of the decision tree of the decision model to output the decision suggestions.

[0022] Preferably, it further comprises a credit rating module for collecting historical behavior data of the enterprise, and analyzing the historical behavior data based on a credit rating model to perform credit rating on the enterprise to generate rating data, and sending the rating data to the financial decision support module;

[0023] The financial decision support module generates decision suggestions according to the evaluation results, prediction results, monitoring data and rating data of the risk assessment model and the revenue prediction module.

[0024] Preferably, the credit rating model is based on a credit rating algorithm for credit rating, and the calculation formula of the credit rating algorithm is:

[0025]

[0026] wherein, is the probability of the enterprise being creditworthy, is the variable of the individual influencing factor, 、 is the regression coefficient.

[0027] Therefore, the second object of the present application is to provide a science and technology finance comprehensive enabling service method based on a Beidou satellite application industry, which specifically comprises the following steps:

[0028] Collecting financial information, project information, geographic information and time information of enterprises in the Beidou satellite application industry, and obtaining multi-source data after integration processing;

[0029] Analyzing the multi-source data based on a preset risk assessment model and a revenue prediction model to respectively assess and predict the risk status and revenue potential of the enterprise;

[0030] According to the high-precision positioning and timing function of the Beidou satellite, real-time monitoring of the fund flow direction and the key nodes and equipment status in the operation process of the enterprise is performed to obtain monitoring data;

[0031] Generating decision suggestions according to the assessment results and prediction results of the risk assessment model and the revenue prediction module and the monitoring data.

[0032] After adopting the above technical solution, compared with the prior art, the following beneficial effects are obtained:

[0033] 1. The present application obtains multi-source data by fusing the information collected by the Beidou satellite and the information of the enterprise to assess and predict the risk status and revenue potential of the enterprise, and at the same time, combines the monitoring of the funds and equipment of the enterprise to solve the problems of insufficient integration of the Beidou satellite application industry and science and technology financial resources, low efficiency of risk assessment and fund supervision in the prior art.

[0034] 2. The data in the prior art is single, which leads to inaccurate assessment. The present application integrates financial information, project information, geographic information and time information to provide multi-dimensional data support for risk assessment and financial decision-making, and provides the accuracy of the assessment.

[0035] 3. The present application uses a preset model to analyze the integrated multi-source data to quantify the risk status and revenue potential of the enterprise, which makes up for the defects of insufficient risk assessment of the enterprises in the Beidou satellite application industry in traditional financial services.

[0036] 4. The present application realizes real-time monitoring of the fund flow direction and the key nodes of the enterprise operation by means of the high-precision positioning and timing function of the Beidou satellite, which solves the problems of lagging fund supervision and non-transparent enterprise operation status in the prior art. Attached Figure Description

[0037] Figure 1 This is a schematic diagram illustrating the steps of a comprehensive technology and finance empowerment service system and method based on the BeiDou satellite application industry according to the present invention. Detailed Implementation

[0038] The advantages of the present invention will be further illustrated below with reference to the accompanying drawings and specific embodiments.

[0039] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numerals in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.

[0040] The terminology used in this disclosure is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The singular forms “a,” “the,” and “the” as used in this disclosure and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used herein refers to and includes any and all possible combinations of one or more of the associated listed items.

[0041] It should be understood that although the terms first, second, third, etc., may be used in this disclosure to describe various information, such information should not be limited to these terms. These terms are used only to distinguish information of the same type from one another. For example, without departing from the scope of this disclosure, first information may also be referred to as second information, and similarly, second information may also be referred to as first information. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to determination."

[0042] In the description of this invention, it should be understood that the terms "longitudinal", "lateral", "up", "down", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are only for the convenience of describing this invention and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on this invention.

[0043] In the description of the present application, unless otherwise specified and limited, it is necessary to explain that the terms "mounting", "connection", "connection" should be understood broadly, for example, it can be mechanical connection or electrical connection, it can be the communication inside two elements, it can be direct connection or indirect connection through intermediate medium, and the specific meaning of the above terms can be understood by the person skilled in the art according to the specific circumstances.

[0044] In the subsequent description, the suffix such as "module", "component" or "unit" used to represent elements is only for the convenience of the description of the present application, and has no specific meaning in itself. Therefore, "module" and "component" can be used mixedly.

[0045] In the embodiment, a science and technology finance comprehensive enabling service system based on Beidou satellite application industry includes a data acquisition and integration module, a risk assessment and income prediction module, a fund supervision and enterprise operation monitoring module, and a financial decision support module. The data acquisition and integration module is configured to acquire financial information, project information, geographic information and time information of enterprises in the Beidou satellite application industry, and obtain multi-source data after integration processing. The risk assessment and income prediction module is connected with the data acquisition and integration module, configured to analyze the multi-source data based on a preset risk assessment model and an income prediction model, and to respectively assess and predict the risk status and income potential of the enterprises. The fund supervision and enterprise operation monitoring module is configured to monitor the fund flow direction and key nodes and equipment states in the operation process of the enterprises in real time based on the high-precision positioning and timing functions of the Beidou satellite, and to obtain monitoring data. The financial decision support module is connected with the risk assessment and income prediction module and the fund supervision and enterprise operation monitoring module, and is configured to generate decision suggestions based on the assessment results and prediction results of the risk assessment model and the income prediction module and the monitoring data.

[0046] In the embodiment, the science and technology finance comprehensive enabling service system based on the Beidou satellite application industry is described in detail, which includes the data acquisition and integration module, the risk assessment and income prediction module, the fund supervision and enterprise operation monitoring module, and the financial decision support module.

[0047] The data acquisition and integration module is configured to acquire financial information, project information, geographic information and time information of enterprises in the Beidou satellite application industry, and to obtain multi-source data containing all the information after integration processing.

[0048] It should be noted that the financial information is the information that can intuitively reflect the economic status of the enterprise, including but not limited to asset-liability ratio, liquidity ratio, net profit ratio, gross profit ratio, accounts receivable turnover rate, inventory turnover rate, cash flow, cash ratio, etc.; the project information is the information that helps to understand the business promotion of the enterprise, including but not limited to research and development project, research and development progress, research and development achievement rate, research and development investment fund execution rate, research and development time limit rate, research and development quality, supply chain coordination rate, etc.; the geographic information is the actual geographic location of the enterprise, so as to clearly indicate the specific location of the production base and the project site of the enterprise, so as to analyze the influence of the geographic location of the enterprise on the operation risk and the potential income of the enterprise, such as whether it is located in an economically developed area or a natural disaster-prone area; the time information can accurately record the time point of each information collection, and the time information can be used to analyze the business development trend of the enterprise in different time periods, and predict the future income combined with historical data. In addition, it should be noted that the geographic information includes but is not limited to the high-precision positioning function of Beidou satellite, and real-time monitoring is carried out to prevent the equipment or assets of the enterprise from being misused or misappropriated; the time information includes but is not limited to the time function of Beidou satellite to provide accurate acquisition, which can master the flow direction and transaction time node of the enterprise, and can timely find abnormal transactions.

[0049] It should be noted that when the financial information, project information, geographic information and time information are integrated and processed to obtain multi-source data, the multi-source data is obtained after data cleaning, data standardization and correlation integration.

[0050] Data cleaning, each information is processed by data cleaning algorithm, and the data cleaning algorithm includes but is not limited to calculation by the following calculation formula, the calculation formula is: , wherein, is the cleaned information of each type, X is the original information of each type, is the mean of each type of information, is the standard deviation, is the threshold coefficient. By the calculation formula, the data deviating from the normal range can be identified and eliminated. For example, in some specific embodiments, the financial information of the enterprise collected at a certain time deviates seriously from the normal range, and it is determined that the financial information collected at this time is an abnormal value, which is cleaned and eliminated. It should be noted that determining whether each information is a normal value includes but is not limited to judging according to a specific threshold value.

[0051] Data standardization, since each source of information can be different, its format, unit, coding method, etc. can be error, so as to eliminate the differences through data standardization. It should be noted that data standardization is only a format conversion, unit unification and coding unification operation on existing information, for example, the unit of financial information is unified to "yuan", so the unified format requirement, unit requirement and coding requirement are set in advance, and the data standardization is directly performed according to the set requirements.

[0052] Correlation integration is to establish the mapping relationship between different types of information by taking the enterprise unique identifier (such as the unified social credit code) as the key. The fund flow in enterprise financial information is matched with the fund use plan in project progress data to analyze the fund use efficiency; the geographic information and time information collected by Beidou satellite are fused with the enterprise device location, project site coordinates, fund transaction time, device operation period, etc. to analyze the project operation; finally, through data fusion, a multi-dimensional portrait of the enterprise is realized, so as to obtain multi-source data.

[0053] The risk assessment and income prediction module is connected with the data collection and integration module described above, to analyze the multi-source data based on the preset risk assessment model, to assess the risk status of the enterprise, to obtain the assessment result of the risk status of the enterprise, and to analyze the multi-source data based on the income prediction model to predict the income potential of the enterprise, to obtain the prediction result of the income potential of the enterprise.

[0054] The fund supervision and enterprise operation monitoring module, according to the high-precision positioning and timing function of Beidou satellite, real-time monitoring of the enterprise to obtain monitoring data. Specifically, based on Beidou satellite, including but not limited to monitoring the fund flow of the enterprise and the key nodes and device status in the operation process.

[0055] The financial decision support module is connected with the risk assessment and income prediction module and the fund supervision and enterprise operation monitoring module described above. The financial decision support module generates decision suggestions according to the assessment results of the risk assessment module in the risk assessment and income prediction module and the prediction results in the income prediction module, and the monitoring data obtained by the fund supervision and enterprise operation monitoring module, to provide clear decision direction for the financial institution to decide whether to give financial support to the enterprise and the specific details of the support.

[0056] The data acquisition and integration module collects financial information based on the enterprise's financial system, project information based on the enterprise's project management platform interface, and geographic and time information based on the BeiDou satellite data receiving terminal. Before integrating the enterprise's financial information, project information, and the geographic and time information collected by BeiDou satellite, the data acquisition and integration module also performs data cleaning on the enterprise's financial information, project information, and the geographic and time information collected by BeiDou satellite. Data cleaning is based on a data cleaning algorithm to remove noise and handle outliers. The calculation formula for the data cleaning algorithm is: .in, X represents the cleaned information, while X represents the original information. The average of various information types. Standard deviation This is the threshold coefficient.

[0057] In this embodiment, the data acquisition and integration module mentioned in the above embodiments will be described in detail again.

[0058] When collecting financial information from enterprises, the data acquisition and integration module may collect such information directly through the corresponding enterprise's financial system, including but not limited to collecting it directly through the project management platform interface. Geographic and time information are collected using data receiving terminals based on the BeiDou satellite system.

[0059] It should be noted that the data cleaning described in the above embodiments will be described in detail again in this embodiment. Data cleaning is based on the data cleaning calculation formula. In progress, among which... X represents the cleaned information, while X represents the original information. The average of various information types. Standard deviation This is a threshold coefficient. For example, in some specific embodiments, for company A, during the data collection and integration process, the financial information obtained from company A's financial system is used to determine whether the revenue information for the quarter is abnormal. This is done through data cleaning and calculation to determine the mean of the set of financial information. It is 10 million yuan, with a standard deviation of 100%. Set a threshold coefficient for 1 million yuan. The value is 3. Substitute each value into the calculation formula. In this case, the calculated lower limit is 1000 - 3 × 100 = 700 million yuan, and the upper limit is 100 + 3 × 100 = 1300 million yuan. This means that under normal circumstances, the revenue of Company A in this quarter should be within the range of 700 million yuan to 1300 million yuan. If it exceeds this range, it is considered an outlier and will be cleaned up.

[0060] Further, the risk assessment model is based on the analytic hierarchy process and fuzzy comprehensive evaluation method to construct a risk assessment index system to determine the weight of each information in the multi-source data to quantitatively evaluate the risk status of the enterprise; the revenue prediction model is based on time series analysis and regression analysis to predict the revenue potential of the enterprise, and the prediction calculation formula is: wherein, is the predicted potential revenue value, is the historical revenue data, is the related influence factor data, , is the coefficient, is the error term.

[0061] In this embodiment, the risk assessment model and the revenue prediction model in the risk assessment and revenue prediction module will be described in detail.

[0062] The risk assessment model is based on the analytic hierarchy process and fuzzy comprehensive evaluation method to construct a risk assessment index system to determine the weight of each information in the multi-source data to quantitatively evaluate the risk status of the enterprise. The risk assessment model combining the analytic hierarchy process and the fuzzy comprehensive evaluation method, through constructing a comprehensive risk assessment index system covering market risk, technical risk, financial risk and other aspects, then using the analytic hierarchy process to determine the weight of each index, and then using the fuzzy comprehensive evaluation method to quantitatively evaluate the enterprise risk, makes the risk assessment result more scientific and reasonable.

[0063] The basic principle of the analytic hierarchy process is to decompose the elements related to decision-making into target, criterion, scheme and other levels, and conduct qualitative and quantitative analysis on this basis. First, determine the overall goal of risk assessment (such as evaluating the risk level of the enterprise), then decompose the risk factors into different levels, such as the criterion layer (market risk, technical risk, financial risk, etc.) and the index layer (specific indexes under each criterion, such as market demand change, competition degree, etc. under market risk), determine the relative importance of elements in each level through pairwise comparison, and then calculate the weight of each index. The working method is to first construct a hierarchical structure model; then construct a judgment matrix, compare the importance of each element in the same level with respect to a criterion in the previous level through expert scoring or enterprise data comparison, determine the value of the judgment matrix; then perform single ordering and consistency check of the hierarchy, calculate the maximum eigenvalue and eigenvector of the judgment matrix, determine the weight of each index with respect to the criterion in the previous level, and check the consistency of the judgment matrix to ensure that the scoring logic is reasonable; finally, perform hierarchical total ordering to calculate the weight of each index with respect to the overall goal.

[0064] Fuzzy Comprehensive Evaluation Method: The basic principle is to use fuzzy mathematical theory and methods to make a general evaluation of things or objects influenced by multiple factors, aiming at the large number of fuzzy and unclear problems in reality. Since many factors in enterprise risk assessment have fuzziness, such as the "market competition intensity" in market risk which is difficult to accurately define, fuzzy comprehensive evaluation method can effectively handle such fuzzy information. The working method is to first determine the factor set (such as the set of market risk, technical risk, financial risk, etc.) and the evaluation set (such as the set of high risk, medium risk, low risk, etc.) of the evaluation object; then construct the fuzzy relation matrix, determine the membership degree of each factor to different evaluation levels through expert experience or data statistics, and form the fuzzy relation matrix; then determine the weight of each factor (which can be obtained by AHP); finally, fuzzy synthesis and comprehensive evaluation are carried out, and the weight vector and fuzzy relation matrix are operated to obtain the comprehensive evaluation result.

[0065] The revenue prediction model combining time series analysis and regression analysis considers the enterprise's historical revenue data and related influencing factor data such as market demand and industry policy. Through the formula, the future revenue of the enterprise can be dynamically predicted, providing an important reference for financial institutions to judge whether to invest and the investment scale.

[0066] The revenue prediction model predicts the revenue potential of the enterprise based on time series analysis and regression analysis, and the prediction formula is: where, is the predicted potential revenue value, is the historical revenue data, is the related influencing factor data, , is the coefficient, is the error term.

[0067] Time series analysis: The basic principle is to study the data sequence formed by the development of things over time, based on the continuity principle of things development, so as to predict the future development trend of things. It mainly analyzes the trend, seasonality, periodicity and randomness of historical data to construct a mathematical model to predict future data. For example, by analyzing the revenue data of each quarter in the past few years, the growth trend and seasonal fluctuations (such as higher revenue in some quarters) are found.

[0068] Regression analysis: The basic principle is a statistical method to study the causal relationship between variables, by establishing a mathematical model between the dependent variable (such as enterprise revenue) and one or more independent variables (such as market demand, product price, R&D investment, etc.) to predict the changes of the dependent variable. It is based on sample data and uses least squares method to determine model parameters, so that the model can best fit the data.

[0069] For example, in some specific embodiments, taking enterprise B as an example, in terms of risk assessment, the time risk index weight is determined to be 0.4 by the analytic hierarchy process, the technical risk index weight is 0.3, and the financial risk index weight is 0.3. Through the fuzzy comprehensive evaluation method, the risk of enterprise B under the condition of market competition intensification, technical research and development bottleneck, and capital turnover tension is evaluated, and it is concluded that the current risk level of enterprise B is in the positive equal or above. In terms of income prediction, it is assumed that the income of enterprise B at time t (such as the fourth quarter of 2023) needs to be predicted. First, collect the income data of enterprise B in the past three quarters as If n is 3, that is, the income data of the past three quarters is considered, The income of the third quarter of 2023 is 12 million yuan, The income of the second quarter of 2023 is 11 million yuan, The income of the first quarter of 2023 is 10 million yuan. At the same time, the relevant influencing factor data is determined, it is assumed that the market demand growth rate (the market demand of the quarter at time t grows by 8% compared with the last quarter), the R&D investment amount (the R&D investment of the quarter at time t is 2 million yuan), and if m is 2. Through regression analysis of the historical data of enterprise B, the coefficient , , , , is determined. Substitute these data into the prediction calculation formula , and assume that the error term is 0.5 million yuan (set according to historical error), then:

[0070] (million yuan).

[0071] Therefore, it is predicted that the income of enterprise C in the fourth quarter of 2023 is about 1.244 million yuan, combined with the conclusion that the risk level of enterprise B is in the middle and upper level obtained by the foregoing risk assessment model, the financial institution can comprehensively consider whether to provide financial support to the enterprise and the amount and period of support and other decisions.

[0072] Further, the fund supervision and enterprise operation monitoring module sets monitoring points in the fund transaction account of the enterprise, and records the fund transaction time and fund flow direction based on Beidou satellite timing; a Beidou positioning terminal is installed on the key equipment of the enterprise to monitor the position and running state of the key equipment of the enterprise in real time.

[0073] In this embodiment, the specific implementation of the above-mentioned fund supervision and enterprise operation monitoring module will be described in detail. The enterprise fund transaction account sets monitoring points, and the time of each fund transaction can be accurately recorded by the time function of the Beidou satellite, ensuring the clarity and transparency of the fund flow to prevent risks such as fund misappropriation. The Beidou positioning terminal is installed on the key equipment of the enterprise, which can obtain the location information of the equipment in real time, judge whether the equipment is in the normal working area, and monitor the running state information of the equipment, such as whether the equipment is powered on and whether the running parameters are normal, etc., to discover equipment failure or abnormal operation in time and ensure the continuity of enterprise production and operation. For example, in some specific embodiments, enterprise C is an enterprise engaged in the construction of Beidou satellite ground base station. In terms of fund supervision, after the financial institution sets monitoring points on the fund transaction account of enterprise C, it finds that a large amount of funds has flowed to an account unrelated to the business of the enterprise at a non-working time. Through the accurate time recorded by the Beidou satellite timing, combined with the business process and transaction rules of the enterprise, it is judged that the transaction is abnormal in time, and an investigation is conducted immediately to avoid the loss of funds. In terms of enterprise operation monitoring, after the Beidou positioning terminal is installed on the large construction equipment of enterprise C used for base station construction, the location of the equipment at each construction site can be obtained in real time. When it is found that a piece of equipment has been staying in a location far away from the construction area for a long time, the on-site workers are contacted in time, it is found that the equipment has failed and is waiting for maintenance, and maintenance personnel are arranged to go there in time, reducing the delay of construction caused by equipment failure.

[0074] Further, the financial decision support module constructs a decision model based on a decision tree algorithm, and takes the risk assessment model, the evaluation results and prediction results of the income prediction module, and the monitoring data as input features of the decision tree of the decision model to output a decision suggestion.

[0075] In this embodiment, the generation mechanism of the decision suggestion generated by the above-mentioned financial decision support module will be described in detail. The financial decision support module generates a decision suggestion based on the decision model constructed by the decision tree algorithm. The decision tree algorithm is a prediction algorithm, which takes the risk assessment model, the evaluation results and prediction results of the income prediction module, and the monitoring data obtained in the foregoing embodiments as input features of the decision tree of the decision model. Through the analysis and classification of these features, the decision tree can output clear decision suggestions. For example, in some specific embodiments, for enterprise D, the risk assessment result shows that the risk is low, the income prediction result indicates that the income will grow steadily in the next two years, the fund supervision is good, and all key indicators in enterprise operation monitoring are normal. Taking these information as input features of the decision tree, the decision tree algorithm analyzes and outputs a suggestion that the financial institution provides a loan of 80 million yuan with a term of three years for enterprise D, and the interest rate can be appropriately preferential, which provides clear guidance for the decision of the financial institution.

[0076] Furthermore, it also includes a credit rating module, which collects historical behavioral data of enterprises, analyzes the historical behavioral data based on the credit rating model to generate credit rating data for enterprises, and sends the rating data to the financial decision support module; the financial decision support module generates decision recommendations based on the assessment results, forecast results, monitoring data and rating data of the risk assessment model and the profit forecast module.

[0077] This embodiment will again describe the system in detail. The system also includes a credit rating module, which analyzes the company's historical behavioral data to generate a credit rating, which is then sent to the financial decision support module. It should be noted that this historical behavioral data includes the company's integrity in business activities, operating status, operational capabilities, and financial strength. When the financial decision support module generates decision recommendations, the rating data generated by the credit rating module is also used as input features for the decision tree.

[0078] Furthermore, the credit rating model performs credit rating based on a credit rating algorithm, the calculation formula of which is: ,in, This represents the probability of a company having good credit. As a variable of influencing factors, , is the regression coefficient.

[0079] In this embodiment, the calculation formula of the credit rating algorithm of the credit rating model will be described in detail.

[0080] In some specific embodiments, the influencing factors of firm E are variables The asset-liability ratio is 0.5. The (revenue growth rate) was 0.15. (The expected number of times in the past three years) is 0, etc. Substitute these variables into the calculation formula, if... It is -0.5. -1, =1, -2 (coefficient) , , , (All of these are obtained through training with a large number of samples), then:

[0081] In addition The value of , then , then calculate The value of , given that e is the natural constant, approximately 2.71828, is... Substituting, we can obtain Finally, calculate , we have , we have , we have , which indicates that the credit rating of the enterprise E is low.

[0082] Referring to Figure 1 , the embodiment also provides a science and technology finance comprehensive enabling service method based on a Beidou satellite application industry, and the method comprises the following steps:

[0083] Step S100: collecting financial information, project information, geographic information and time information of enterprises in the Beidou satellite application industry, and obtaining multi-source data after integration processing;

[0084] Step S200: analyzing the multi-source data based on a preset risk assessment model and a yield prediction model, so as to respectively assess and predict the risk status and yield potential of the enterprises;

[0085] Step S300: acquiring monitoring data by monitoring the fund flow direction of the enterprises and the key nodes and equipment states in the operation process in real time according to the high-precision positioning and timing functions of the Beidou satellite;

[0086] Step S400: generating decision suggestions according to the assessment results and prediction results of the risk assessment model and the yield prediction model and the monitoring data.

[0087] It should be noted that the science and technology finance comprehensive enabling service method based on the Beidou satellite application industry provided in the embodiment is directly applied to the science and technology finance comprehensive enabling service system based on the Beidou satellite application industry, and the specific description thereof is referred to the above, and will not be described in detail here.

[0088] It should be noted that the embodiments of the present application have good implementation, and do not limit the present application in any form, and any skilled person in the art can change or modify the above disclosed technical content into equivalent effective embodiments, as long as it does not deviate from the content of the technical solution of the present application, and any modification or equivalent change and modification of the above embodiments according to the technical essence of the present application, all still belong to the scope of the technical solution of the present application.

Claims

1. A comprehensive technology and financial empowerment service system based on the BeiDou satellite application industry, characterized in that: include: The system includes modules for data collection and integration, risk assessment and return forecasting, fund supervision and enterprise operation monitoring, and financial decision support. The data acquisition and integration module is used to collect financial information, project information, geographic information and time information collected by Beidou satellites from enterprises in the Beidou satellite application industry, and to integrate and process the data to obtain multi-source data. The risk assessment and profit forecasting module is connected to the data acquisition and integration module and is used to analyze multi-source data based on preset risk assessment and profit forecasting models in order to assess and forecast the risk status and profit potential of the enterprise respectively. The fund supervision and enterprise operation monitoring module is used to monitor the enterprise's fund flow and key nodes and equipment status in the operation process in real time based on the high-precision positioning and timing function of the Beidou satellite, so as to obtain monitoring data; The financial decision support module is connected to the risk assessment and return forecasting module and the fund supervision and enterprise operation monitoring module, and is used to generate decision recommendations based on the assessment results and forecast results of the risk assessment model and the return forecasting module, as well as the monitoring data.

2. The comprehensive technology and financial empowerment service system based on BeiDou satellite application industry as described in claim 1, characterized in that, The data acquisition and integration module collects financial information based on the company's financial system, collects project information based on the company's project management platform interface, and collects geographical and time information based on the Beidou satellite data receiving terminal. Before integrating the enterprise's financial information, project information, and the geographic and time information collected by the BeiDou satellite, the data acquisition and integration module further includes data cleaning of the enterprise's financial information, project information, and the geographic and time information collected by the BeiDou satellite. The data cleaning is based on a data cleaning algorithm for noise reduction and outlier handling. The calculation formula for the data cleaning algorithm is: in, X represents the cleaned information, while X represents the original information. The average of various information types. Standard deviation This is the threshold coefficient.

3. The comprehensive technology and financial empowerment service system based on BeiDou satellite application industry as described in claim 1, characterized in that, The risk assessment model is based on the analytic hierarchy process and fuzzy comprehensive evaluation method to construct a risk assessment index system, so as to determine the weight of each piece of information in the multi-source data, and to quantitatively assess the enterprise's risk status. The revenue forecasting model predicts the company's revenue potential based on time series analysis and regression analysis. The forecasting formula is as follows: in, To predict potential returns, For historical revenue data, Data on relevant influencing factors, , For coefficients, This is the error term.

4. The technology and finance integrated empowerment service system based on BeiDou satellite application industry as described in claim 1, characterized in that, The fund supervision and enterprise operation monitoring module is based on setting monitoring points in the enterprise's fund transaction account and recording the enterprise's fund transaction time and fund flow based on the Beidou satellite time synchronization; Beidou positioning terminals are installed on the enterprise's key equipment to monitor the location and operating status of the enterprise's key equipment in real time.

5. The technology and finance integrated empowerment service system based on BeiDou satellite application industry as described in claim 1, characterized in that, The financial decision support module constructs a decision model based on the decision tree algorithm, and uses the assessment results and prediction results of the risk assessment model and the return prediction module, as well as the monitoring data, as input features of the decision tree of the decision model to generate the decision recommendations.

6. The comprehensive technology and financial empowerment service system based on the BeiDou satellite application industry as described in any one of claims 1 to 5, characterized in that, It also includes a credit rating module, which is used to collect the historical behavior data of the enterprise, analyze the historical behavior data based on the credit rating model to generate credit rating data for the enterprise, and send the rating data to the financial decision support module. The financial decision support module generates the decision recommendations based on the assessment results and prediction results of the risk assessment model and the return prediction module, the monitoring data, and the rating data.

7. The technology and finance integrated empowerment service system based on BeiDou satellite application industry as described in claim 6, characterized in that, The credit rating model is based on a credit rating algorithm, and the calculation formula for the credit rating algorithm is as follows: in, This represents the probability that the company has good credit. As a variable of influencing factors, , is the regression coefficient.

8. A method for providing comprehensive technology and financial empowerment services based on the BeiDou satellite application industry, characterized in that: The application of the technology and finance integrated empowerment service system based on the BeiDou satellite application industry as described in any one of claims 1 to 7 includes the following steps: We collect financial information, project information, geographic information, and time information collected by BeiDou satellites from enterprises in the BeiDou satellite application industry, and then integrate and process them to obtain multi-source data. Based on a pre-set risk assessment model and a profit prediction model, multi-source data are analyzed to assess and predict the risk status and profit potential of the enterprise, respectively. Based on the high-precision positioning and timing functions of the BeiDou satellite, the company's cash flow and key nodes and equipment status during operation are monitored in real time to obtain monitoring data. Decision recommendations are generated based on the assessment results and prediction results of the risk assessment model and the profit prediction module, as well as the monitoring data.

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