Risk assessment method and system based on enterprise multi-dimensional data and related equipment

Abstract

The invention provides a risk assessment method and system based on enterprise multi-dimensional data, and relates to the field of data processing.The method comprises the steps that firstly, a target enterprise is determined, corresponding operation environment factors are obtained based on the operation range of the target enterprise, and then a trained risk assessment model is obtained; the method comprises the steps of obtaining multi-dimensional enterprise data, inputting the multi-dimensional enterprise data and operation environment factors into a risk assessment model, obtaining a risk assessment score corresponding to each dimension of the multi-dimensional enterprise data and a risk level corresponding to an operation range according to an output result of the risk assessment model, and finally, obtaining a risk assessment result of the multi-dimensional enterprise data based on the risk level and the risk assessment score corresponding to each dimension. And performing risk assessment on the target enterprise. According to the risk assessment method and system based on the enterprise multi-dimensional data provided by the invention, the risk assessment can be carried out on the risk combination of the enterprise in combination with funds, human resources and development prospects inside the company and large environmental factors outside the enterprise, and the risk of the enterprise is accurately assessed.

Description

Technical Field

[0001] This application relates to the field of risk assessment data processing, and in particular to a risk assessment method, system and related equipment based on enterprise multidimensional data. Background Technology

[0002] Under the development trend of the digital economy, enterprise digitalization and its application and transformation are important means and measures for enterprises to adapt to the times, improve efficiency, and enhance core competitiveness. Enterprise digital risk control systems can better improve business operations, empower production and operations, and support management decisions through digital tools and methods. However, the development of an enterprise is often full of challenges and opportunities. In particular, when making business adjustments and strategic decisions, enterprises often need accurate, complete, and real-time enterprise operating data, industry data, risk analysis, and other data to assist management in decision-making.

[0003] Currently, most enterprise risk control models only focus on financial data analysis of financial benefits, solvency, and asset operation, and rely excessively on statistics from business personnel. Most existing enterprise risk control models are limited to risk analysis, focusing on financial data analysis of financial benefits, solvency, and asset operation, but lack analysis of development capabilities, the overall level of personnel, and the impact of the macro environment on the enterprise, and cannot conduct a comprehensive analysis of the target enterprise. Summary of the Invention

[0004] This application provides a risk assessment method, system, and related equipment based on enterprise multidimensional data to improve the above-mentioned problems.

[0005] To achieve the above objectives, this application adopts the following technical solution:

[0006] Firstly, this application proposes a risk assessment method based on multidimensional enterprise data, including:

[0007] Identify the target company and obtain its corresponding multi-dimensional corporate data, which includes corporate credit data, human resources data, and future development data.

[0008] Based on the target company's business scope, obtain the corresponding business environment factors;

[0009] Obtain a trained risk assessment model, input multidimensional enterprise data and operating environment factors into the risk assessment model, and obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope based on the output of the risk assessment model.

[0010] Risk assessment is conducted on the target company based on the risk level and the risk assessment score corresponding to each dimension.

[0011] In conjunction with the first aspect, in some implementation methods, a target enterprise is identified, and multi-dimensional enterprise data corresponding to the target enterprise is obtained. This multi-dimensional enterprise data includes corporate credit data, human resource data, and future development data. The corporate credit data includes:

[0012] Records of the company's credit activities, including loans, guarantees, credit cards, trade finance, bills, bonds, leasing, and factoring, as well as repayment status, overdue status, and default status;

[0013] Human resources data includes: total number of employees score, percentage of technical R&D personnel, percentage of employees with master's degrees or above, percentage of employees with intermediate or senior professional titles, and average labor productivity of all employees.

[0014] The prospective development data includes: the target company's industry development status, product market share, company industry position, and technological innovation capability data indicators.

[0015] In conjunction with the first aspect, in some implementations, a trained risk assessment model is obtained, and multidimensional enterprise data and operating environment factors are input into the risk assessment model. Based on the output of the risk assessment model, the risk assessment score corresponding to each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope are obtained, including:

[0016] Based on corporate credit data, human resources data, and future development data, we determine multiple data indicators for each dimension and the weight of each data indicator.

[0017] Based on multiple data indicators and their corresponding weights, corporate credit data, human resources data, and future development data are quantified to obtain a quantitative score for each dimension, which is then used as the corresponding evaluation score.

[0018] In conjunction with the first aspect, in some implementations, based on multiple data indicators and their corresponding weights, corporate credit data, human resource data, and future development data are quantified to obtain a quantitative score for each dimension. This quantitative score is then used as the corresponding evaluation score, satisfying the following conditions:

[0019]

[0020] Where E is the quantitative score, y represents the number of data indicators, X represents the corresponding data indicator, and K represents the indicator weight corresponding to the data indicator.

[0021] In conjunction with the first aspect, in some implementation methods, risk assessments are conducted on target enterprises based on risk levels and risk assessment scores corresponding to each dimension, including:

[0022] Obtain the evaluation weight corresponding to the evaluation score for each dimension;

[0023] Risk assessment is conducted on the target company's enterprise risk based on the assessment scores corresponding to multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension.

[0024] In conjunction with the first aspect, in some implementation methods, a risk assessment of the target company's enterprise risk is conducted based on the assessment scores corresponding to multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension, including:

[0025] Analyze the operating environment factors and risk events within the scope of business operations to obtain the risk level of the operating environment factors for the enterprise type;

[0026] Based on business environment factors, the risks posed by these factors to the company's development are classified into different levels.

[0027] In conjunction with the first aspect, in some implementation methods, based on business environment factors, the risks posed by these factors to the company's development are classified into levels. These business environment factors include:

[0028] Public health emergencies, natural disasters, and technological innovations.

[0029] Secondly, this application proposes a risk assessment system based on enterprise multidimensional data, which is configured as follows:

[0030] Identify the target company and obtain its corresponding multi-dimensional corporate data, which includes corporate credit data, human resources data, and future development data.

[0031] Based on the target company's business scope, obtain the corresponding business environment factors;

[0032] Obtain a trained risk assessment model, input multidimensional enterprise data and operating environment factors into the risk assessment model, and obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope based on the output of the risk assessment model.

[0033] Risk assessment is conducted on the target company based on the risk level and the risk assessment score corresponding to each dimension.

[0034] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0035] Identify the target company and obtain its corresponding multi-dimensional corporate data. This multi-dimensional corporate data includes corporate legal person credit data, human resource data, and future development data. The corporate legal person credit data includes:

[0036] Records of the company's credit activities, including loans, guarantees, credit cards, trade finance, bills, bonds, leasing, and factoring, as well as repayment status, overdue status, and default status;

[0037] Human resources data includes: total number of employees score, percentage of technical R&D personnel, percentage of employees with master's degrees or above, percentage of employees with intermediate or senior professional titles, and average labor productivity of all employees.

[0038] The prospective development data includes: the target company's industry development status, product market share, company industry position, and technological innovation capability data indicators.

[0039] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0040] Obtain a trained risk assessment model and input multidimensional enterprise data and operating environment factors into the model. Based on the model's output, obtain the risk assessment score for each dimension of the multidimensional enterprise data, as well as the risk level corresponding to the business scope, including:

[0041] Based on corporate credit data, human resources data, and future development data, we determine multiple data indicators for each dimension and the weight of each data indicator.

[0042] Based on multiple data indicators and their corresponding weights, corporate credit data, human resources data, and future development data are quantified to obtain a quantitative score for each dimension, which is then used as the corresponding evaluation score.

[0043] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0044] Based on multiple data indicators and their corresponding weights, corporate credit data, human resource data, and future development data are quantitatively processed to obtain a quantitative score for each dimension. This quantitative score is then used as the corresponding evaluation score, satisfying the following criteria:

[0045]

[0046] Where E is the quantitative score, y represents the number of data indicators, X represents the corresponding data indicator, and K represents the indicator weight corresponding to the data indicator.

[0047] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0048] Based on the risk level and the corresponding risk assessment score for each dimension, a risk assessment is conducted on the target company, including:

[0049] Obtain the evaluation weight corresponding to the evaluation score for each dimension;

[0050] Risk assessment is conducted on the target company's enterprise risk based on the assessment scores corresponding to multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension.

[0051] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0052] Based on the assessment scores corresponding to multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension, a risk assessment is conducted on the target company's enterprise risk, including:

[0053] Analyze the operating environment factors and risk events within the scope of business operations to obtain the risk level of the operating environment factors for the enterprise type;

[0054] Based on business environment factors, the risks posed by these factors to the company's development are classified into different levels.

[0055] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0056] Based on business environment factors, the risks posed by these factors to the company's development are categorized into levels. These business environment factors include:

[0057] Public health emergencies, natural disasters, and technological innovations.

[0058] A third aspect of this invention provides an electronic device, which includes:

[0059] At least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method proposed in the first aspect of the present invention.

[0060] A fourth aspect of the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method as described in the first aspect of the present invention.

[0061] In summary, the above method and apparatus have the following technical effects:

[0062] This application proposes a risk assessment method and system based on multidimensional enterprise data. First, the target enterprise is identified, and its corresponding multidimensional enterprise data is acquired. This multidimensional enterprise data includes corporate credit data, human resource data, and future development data. Then, based on the target enterprise's business scope, corresponding operating environment factors are obtained. Next, a trained risk assessment model is acquired, and the multidimensional enterprise data and operating environment factors are input into the risk assessment model. Based on the output of the risk assessment model, the risk assessment score corresponding to each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope are obtained. Finally, based on the risk level and the risk assessment score corresponding to each dimension, a risk assessment is conducted on the target enterprise. This proposed risk assessment method and system based on multidimensional enterprise data can combine internal factors such as the company's capital, human resources, and development prospects with external environmental factors to conduct a comprehensive risk assessment of the enterprise, resulting in an accurate assessment of enterprise risk. Attached Figure Description

[0063] Figure 1 This is a flowchart illustrating a risk assessment method based on multidimensional enterprise data proposed in this application. Detailed Implementation

[0064] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0065] This application proposes a risk assessment method based on enterprise multidimensional data. Please refer to [link / reference]. Figure 1 This includes the following steps:

[0066] S101: Identify the target company and obtain multi-dimensional corporate data corresponding to the target company, including corporate credit data, human resources data, and future development data.

[0067] Understandably, in this embodiment, records of the company's credit activities, including loans, guarantees, credit cards, trade finance, bills, bonds, leases, and factoring, as well as repayment status, overdue status, and default status, are included. Human resources data includes: total company headcount score, percentage of R&D personnel, percentage of personnel with master's degrees or above, percentage of personnel with intermediate or senior professional titles, and average overall labor productivity. Future development data includes: the target company's industry development status, product market share, industry position, and technological innovation capability indicators.

[0068] Furthermore, to comprehensively assess the risk profile of a target company, other multi-dimensional risk-related data can be considered. For example, corporate credit data not only covers records of credit activities but also includes the corporate entity's personal credit records, litigation records, and administrative penalty records. This data can reflect the corporate entity's creditworthiness and ability to fulfill its obligations from different perspectives.

[0069] Furthermore, various indicators in human resources data, such as the company's total headcount score and the proportion of R&D personnel, can reflect a company's team size, talent structure, and technological strength, thereby affecting its innovation capabilities and market competitiveness. The proportion of employees with master's degrees or above and the proportion of employees with intermediate or senior professional titles are particularly important indicators for measuring a company's high-end talent pool and are significant for assessing a company's long-term development potential.

[0070] For example, human resource data can include indicators such as the company's total number of employees score, the proportion of R&D personnel, the proportion of employees with master's degrees or above, the proportion of employees with intermediate or senior professional titles, and the average output rate of all employees. The total number of employees score refers to the company's current human resource situation and future development requirements. The total number of employees score is inversely proportional to the current total number of employees. The greater the deviation between the current total number of employees and the set reasonable value, the lower the total number of employees score. The reasonable value of the total number of employees can be dynamically adjusted according to the company's situation. The proportion of R&D personnel refers to the ratio of the company's R&D personnel to the total number of employees. It reflects a company's ability to generate revenue. The higher the proportion of R&D personnel, the stronger the company's production capacity. The proportion of employees with master's degrees or above refers to the percentage of employees with master's degrees or above in the company's total workforce. This reflects the company's attractiveness to talent; the more highly educated employees, the higher the company's productivity. The proportion of employees with intermediate or senior professional titles refers to the percentage of employees with intermediate or senior professional titles in the company's total workforce. This reflects the company's talent pool capabilities; the higher the proportion of employees with intermediate or senior professional titles, the stronger the company's vitality. The average output rate of all employees refers to the ratio of the company's total annual revenue to the total number of employees. The higher the average output rate of all employees, the stronger the company's productivity and the lower the risk. The weighting of these indicators can be flexibly adjusted according to actual circumstances, and no specific restrictions are imposed here.

[0071] The quantitative processing of human resources data can be as follows:

[0072]

[0073] E3 represents the evaluation result of human resources data. The higher the result, the better the evaluation effect of the human resources data. X1 is the score of the total number of employees in the company, X2 is the proportion of technical R&D personnel, and X3 is the proportion of employees with master's degrees or above.

[0074] X4 represents the proportion of mid-to-senior level professionals, X5 represents the average output rate of all employees, and Ki represents the weight of each indicator. K1+K2+K3+K4+K5=1. Company leaders or operators can flexibly adjust the value of Ki according to the actual situation. The calculation method for each indicator is as follows.

[0075] The calculation methods used in existing technologies can be referenced, as long as they can achieve the calculation of this indicator; no specific limitations are imposed here. Regarding future development data, in addition to intuitive indicators such as industry development status and product market share, a company's industry position and technological innovation capabilities are also indispensable factors. A company's industry position reflects its competitiveness and influence within the industry, while technological innovation capability is a crucial driving force for its sustainable development. Through comprehensive analysis and evaluation of these data, this embodiment of the invention can provide companies with more accurate risk assessment results.

[0076] Furthermore, future development data includes indicators such as the company's industry development status, product market share or industry position, and technological innovation capabilities. Industry development status refers to the annual market potential growth rate, indicating the industry's development status. A higher growth rate indicates greater potential in the company's industry and stronger competitiveness. To more accurately describe industry development status, statistical analysis can be performed on each industry the company operates in, and the average can be calculated. Product market share refers to the average market share of the company's main products, taking into account the company's overall market share. Technological innovation capability is an important reference point for measuring a company's competitiveness. Here, we measure the company's technological innovation capability by the number of patents per employee, the number of software copyrights, and the number of major awards received. The weighting of these indicators can be flexibly adjusted according to the actual situation, and no specific restrictions are imposed here.

[0077] Furthermore, the legal representative of a company can act as a risk factor to help assess the company's risk profile. The credit data of the legal representative can be obtained through various credit reporting data and whether they have been penalized, among other indicators.

[0078] S102: Based on the target company's business scope, obtain the corresponding business environment factors.

[0079] Understandably, environmental factors can include public health events, natural disasters, and technological innovations.

[0080] (1) Public health events: such as new infectious diseases, water or air pollution, drug abuse, etc., endanger citizens' health, leading to a decline in productivity. At the same time, the public's willingness to consume decreases, resulting in a reduction in corporate revenue. Moreover, the most affected by these public health events are catering and food-type enterprises. Therefore, the risk level of such events is the highest for these types of enterprises. Even if the internal operation, talent training, and development potential of the enterprise are good, it will still be greatly affected when encountering such environmental factors, and there will be great risks. In addition, the duration of the impact should be considered, combined with the internal operation risk situation, and there may be risks such as bankruptcy.

[0081] (2) Natural Disasters: Natural disasters such as extreme droughts, severe floods, and earthquakes can directly damage a company's facilities and equipment, paralyzing its operations. Simultaneously, transportation disruptions affect employee attendance and raw material delivery. Post-disaster reconstruction funding shortages are also a problem for companies. When faced with a natural disaster, a company's internal cash flow situation should be considered. For companies with insufficient funds, the possibility of being unable to rebuild may exist. Therefore, for this type of company, this environmental factor poses the highest risk.

[0082] The impact of natural disasters is similar to the risk assessment method for public health events mentioned above. Both methods combine the duration of the impact of the major event with the type of enterprise and its financial resources to determine the risk level of the enterprise.

[0083] (3) Technological Innovation Events: Situations such as technological innovation leading to technological substitution risks, reshaping of the competitive landscape, increased investment costs, and insufficient skills updates may result in existing products and skills being replaced, leading to industrial backwardness and increased investment costs for businesses. Simultaneously, competitors may gain an advantage using new technologies, intensifying competitive pressure on companies. In the face of such technological innovation events, companies with strong internal development capabilities and human resource reserves possess a high level of competitiveness; conversely, those with strong internal capabilities may face elimination by society. Therefore, the risk level can be assessed by considering a company's internal talent and financial situation in conjunction with the timing of technological innovation.

[0084] Based on the timing of technological innovation, the company's risk level is assessed by combining its financial situation and human resource data.

[0085] Specifically: When a company's financial situation is insufficient to maintain its existing talent development and retention of human resources, the risk level is the highest, classified as Level 1 risk; when a company's funds are average and insufficient to expand its human resources, and its current human resource data is insufficient to keep up with technological innovation, the risk level is Level 2 risk; when a company's funds are average and insufficient to expand its human resources, but its current human resource data is sufficient to keep up with technological innovation, the risk level is Level 3 risk; when a company has sufficient funds to expand its human resources, and its current human resource data is sufficient to keep up with technological innovation, there is no risk, classified as Level 4 risk. The company's financial and human resource data can be obtained from the company's data sources.

[0086] For example, if the impact of macroeconomic factors lasts for less than 10 years, the impact on different types of enterprises will be determined based on the different types of macroeconomic factors. Specifically, in this embodiment, catering and food enterprises are used as examples, but not limited to these two types of enterprises. The risk level of an enterprise is determined in the following way: First, the enterprise's cash flow is assessed. If the enterprise's financial situation can support its continued operation for more than 5 years within the specific period affected by the public health event (e.g., 5 years), the risk is the lowest, classified as Level 2 risk. If the enterprise's financial situation can support its continued operation for less than 5 years, the enterprise faces the risk of bankruptcy, classified as Level 3 risk.

[0087] S103: Obtain the trained risk assessment model, input multidimensional enterprise data and operating environment factors into the risk assessment model, and obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope based on the output of the risk assessment model.

[0088] A well-trained and highly accurate risk assessment model is acquired, and collected multi-dimensional enterprise data, including but not limited to detailed information on financial status, market performance, and management capabilities, as well as related operating environment factors such as the macroeconomic environment, industry development trends, and policy and regulatory changes, are input into the risk assessment model. Through complex algorithms and logical reasoning within the model, the input data is deeply analyzed and comprehensively evaluated. Based on the final output of the risk assessment model, detailed risk assessment scores are obtained for each specific dimension of the multi-dimensional enterprise data. These scores directly reflect the enterprise's risk status in various aspects. Simultaneously, the risk level corresponding to the enterprise's business scope is clearly determined. This level is a comprehensive assessment of the enterprise's overall risk level, helping the enterprise to formulate more scientific and reasonable risk management strategies.

[0089] In this application, the risk assessment model is an intelligent analysis system trained on historical data. It performs complex and comprehensive analysis of the enterprise's multi-dimensional internal operating data and external business environment factors, and finally outputs quantitative risk assessment results.

[0090] For example, input data may include: dimensional data reflecting the company's own health status, such as financial indicators, human resources data, market performance, operational efficiency, and management capabilities, as well as macroeconomic environment, industry dynamics, policy and regulatory changes, and specific macroeconomic events and their scope and duration of impact.

[0091] The relevant model can be a general big data statistical model or a model trained based on existing data; this application does not impose any restrictions.

[0092] For example, based on corporate credit data, human resource data, and future development data, multiple data indicators corresponding to each dimension and the weight of each indicator can be determined. Then, based on these multiple data indicators and their respective weights, the corporate credit data, human resource data, and future development data are quantified to obtain a quantitative score for each dimension. This quantitative score is then used as the corresponding evaluation score, satisfying the following conditions:

[0093]

[0094] Where E is the quantitative score, y represents the number of data indicators, X represents the corresponding data indicator, and K represents the indicator weight corresponding to the data indicator.

[0095] S104: Conduct a risk assessment of the target company based on the risk level and the risk assessment score corresponding to each dimension.

[0096] Specifically, the assessment weights corresponding to the assessment scores of each dimension are obtained. Then, based on the assessment scores of multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension, a risk assessment is conducted on the target company's enterprise risk. That is, the operating environment factors and risk events within the scope of business are analyzed to obtain the risk level of the operating environment factors on the enterprise type. Then, based on the operating environment factors, the risk levels of the operating environment factors on the development of the enterprise are classified.

[0097] This application proposes a risk assessment method based on multidimensional enterprise data. First, it identifies the target enterprise and acquires its corresponding multidimensional enterprise data, including corporate credit data, human resource data, and future development data. Then, based on the target enterprise's business scope, it acquires corresponding operating environment factors. Next, it obtains a trained risk assessment model and inputs the multidimensional enterprise data and operating environment factors into the model. Based on the model's output, it acquires the risk assessment score for each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope. Finally, based on the risk level and the risk assessment score for each dimension, it conducts a risk assessment of the target enterprise. This multidimensional enterprise data-based risk assessment method combines internal factors such as capital, human resources, and development prospects with external environmental factors to accurately assess enterprise risk.

[0098] Based on the same inventive concept, this application also proposes a risk assessment system based on multidimensional enterprise data, which is configured as follows:

[0099] Identify the target company and obtain its corresponding multi-dimensional corporate data, which includes corporate credit data, human resources data, and future development data.

[0100] Based on the target company's business scope, obtain the corresponding business environment factors;

[0101] Obtain a trained risk assessment model, input multidimensional enterprise data and operating environment factors into the risk assessment model, and obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope based on the output of the risk assessment model.

[0102] Risk assessment is conducted on the target company based on the risk level and the risk assessment score corresponding to each dimension.

[0103] In some implementations, the system is configured as follows:

[0104] Identify the target company and obtain its corresponding multi-dimensional corporate data. This multi-dimensional corporate data includes corporate legal person credit data, human resource data, and future development data. The corporate legal person credit data includes:

[0105] Records of the company's credit activities, including loans, guarantees, credit cards, trade finance, bills, bonds, leasing, and factoring, as well as repayment status, overdue status, and default status;

[0106] Human resources data includes: total number of employees score, percentage of technical R&D personnel, percentage of employees with master's degrees or above, percentage of employees with intermediate or senior professional titles, and average labor productivity of all employees.

[0107] The prospective development data includes: the target company's industry development status, product market share, company industry position, and technological innovation capability data indicators.

[0108] In some implementations, the system is configured as follows:

[0109] Obtain a trained risk assessment model and input multidimensional enterprise data and operating environment factors into the model. Based on the model's output, obtain the risk assessment score for each dimension of the multidimensional enterprise data, as well as the risk level corresponding to the business scope, including:

[0110] Based on corporate credit data, human resources data, and future development data, we determine multiple data indicators for each dimension and the weight of each data indicator.

[0111] Based on multiple data indicators and their corresponding weights, corporate credit data, human resources data, and future development data are quantified to obtain a quantitative score for each dimension, which is then used as the corresponding evaluation score.

[0112] In some implementations, the system is configured as follows:

[0113] Based on multiple data indicators and their corresponding weights, corporate credit data, human resource data, and future development data are quantitatively processed to obtain a quantitative score for each dimension. This quantitative score is then used as the corresponding evaluation score, satisfying the following criteria:

[0114]

[0115] Where E is the quantitative score, y represents the number of data indicators, X represents the corresponding data indicator, and K represents the indicator weight corresponding to the data indicator.

[0116] In some implementations, the system is configured as follows:

[0117] Based on the risk level and the corresponding risk assessment score for each dimension, a risk assessment is conducted on the target company, including:

[0118] Obtain the evaluation weight corresponding to the evaluation score for each dimension;

[0119] Risk assessment is conducted on the target company's enterprise risk based on the assessment scores corresponding to multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension.

[0120] In some implementations, the system is configured as follows:

[0121] Based on the assessment scores corresponding to multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension, a risk assessment is conducted on the target company's enterprise risk, including:

[0122] Analyze the operating environment factors and risk events within the scope of business operations to obtain the risk level of the operating environment factors for the enterprise type;

[0123] Based on business environment factors, the risks posed by these factors to the company's development are classified into different levels.

[0124] In conjunction with the second aspect, in some implementations, the system is configured as follows:

[0125] Based on business environment factors, the risks posed by these factors to the company's development are categorized into levels. These business environment factors include:

[0126] Public health emergencies, natural disasters, and technological innovations.

[0127] This application proposes a risk assessment system based on multidimensional enterprise data. First, it identifies the target enterprise and acquires its corresponding multidimensional enterprise data, including corporate credit data, human resource data, and future development data. Then, based on the target enterprise's business scope, it acquires corresponding operating environment factors. Next, it obtains a trained risk assessment model and inputs the multidimensional enterprise data and operating environment factors into the model. Based on the model's output, it acquires the risk assessment score for each dimension of the multidimensional enterprise data and the risk level corresponding to the business scope. Finally, based on the risk level and the risk assessment score for each dimension, it conducts a risk assessment of the target enterprise. This multidimensional enterprise data-based risk assessment system can combine internal factors such as the company's capital, human resources, and development prospects with external environmental factors to accurately assess the enterprise's risks.

[0128] Based on the same inventive concept, embodiments of this application also propose an electronic device, which includes:

[0129] At least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the risk assessment method based on enterprise multidimensional data of this application.

[0130] Furthermore, to achieve the above objectives, embodiments of this application also propose a computer-readable storage medium storing a computer program that, when executed by a processor, implements the risk assessment method based on enterprise multidimensional data of this application.

[0131] The following is a detailed introduction to the various components of the electronic device:

[0132] In this context, the processor is the control center of the electronic device. It can be a single processor or a collective term for multiple processing elements. For example, a processor can be one or more central processing units (CPUs), an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement embodiments of the present invention, such as one or more digital signal processors (DSPs), or one or more field-programmable gate arrays (FPGAs).

[0133] Alternatively, the processor can perform various functions of the electronic device by running or executing software programs stored in memory and by calling data stored in memory.

[0134] The memory is used to store the software program that executes the solution of the present invention, and the execution is controlled by the processor. The specific implementation method can be referred to the above method embodiment, which will not be repeated here.

[0135] Optionally, the memory can be read-only memory (ROM) or other types of static storage devices capable of storing static information and instructions, random access memory (RAM) or other types of dynamic storage devices capable of storing information and instructions, or electrically erasable programmable read-only memory (EEPROM), compact disc read-only memory (CD-ROM) or other optical disc storage, optical disc storage (including compressed optical discs, laser discs, optical discs, digital universal optical discs, Blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but not limited thereto. The memory can be integrated with the processor or exist independently and coupled to the processor through an interface circuit of an electronic device; this embodiment of the invention does not specifically limit this.

[0136] A transceiver is used to communicate with network devices or with terminal devices.

[0137] Optionally, the transceiver may include a receiver and a transmitter. The receiver is used to implement the receiving function, and the transmitter is used to implement the sending function.

[0138] Optionally, the transceiver can be integrated with the processor or exist independently and coupled to the processor through the router's interface circuit. This embodiment of the invention does not specifically limit this.

[0139] Furthermore, the technical effects of the electronic device can be referred to the technical effects of the data transmission method in the above method embodiments, and will not be repeated here.

[0140] It should be understood that the processor in the embodiments of the present invention can be a central processing unit (CPU), or it can be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor can be a microprocessor or any conventional processor.

[0141] It should also be understood that the memory in the embodiments of the present invention can be volatile memory or non-volatile memory, or may include both volatile and non-volatile memory. The non-volatile memory can be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. The volatile memory can be random access memory (RAM), which is used as an external cache. By way of example, but not limitation, many forms of random access memory (RAM) are available, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate synchronous DRAM (DDRSDRAM), enhanced synchronous DRAM (ESDRAM), synchronous linked DRAM (SLDRAM), and direct rambus RAM (DRRAM).

[0142] The above embodiments can be implemented, in whole or in part, by software, hardware (such as circuits), firmware, or any other combination thereof. When implemented using software, the above embodiments can be implemented, in whole or in part, as a computer program product. A computer program product includes one or more computer instructions or computer programs. When the computer instructions or computer programs are loaded or executed on a computer, all or part of the flow or function according to the embodiments of the present invention is generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. Computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., infrared, wireless, microwave, etc.) means. A computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more sets of available media. Available media can be magnetic media (e.g., floppy disks, hard disks, magnetic tapes), optical media (e.g., DVDs), or semiconductor media. Semiconductor media can be solid-state drives.

[0143] It should be understood that the term "and / or" in this article is merely a description of the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, or B existing alone. A and B can be singular or plural. Additionally, the character " / " in this article generally indicates an "or" relationship between the preceding and following related objects, but it can also represent an "and / or" relationship. Please refer to the context for a more accurate understanding.

[0144] In this invention, "at least one" means one or more, and "more than one" means two or more. "At least one of the following" or similar expressions refer to any combination of these items, including any combination of a single item or a plurality of items. For example, at least one of a, b, or c can represent: a, b, c, ab, ac, bc, or abc, where a, b, and c can be a single item or multiple items.

[0145] It should be understood that, in various embodiments of the present invention, the order of the above-mentioned process numbers does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0146] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this invention.

Claims

1. A risk assessment method based on enterprise multidimensional data, characterized in that, The methods include: Identify the target company and obtain the multi-dimensional enterprise data corresponding to the target company, wherein the multi-dimensional enterprise data includes corporate credit data, human resources data and future development data; Based on the target company's business scope, obtain the corresponding business environment factors; Obtain a trained risk assessment model, and input the multidimensional enterprise data and the operating environment factors into the risk assessment model. Based on the output of the risk assessment model, obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data, and the risk level corresponding to the business scope. Based on the risk level and the risk assessment score corresponding to each dimension, a risk assessment is conducted on the target enterprise.

2. The risk assessment method based on enterprise multidimensional data according to claim 1, characterized in that, The multidimensional enterprise data includes corporate credit data, human resources data, and future development data. The corporate credit data includes: Records of the company's credit activities, including loans, guarantees, credit cards, trade finance, bills, bonds, leasing, and factoring, as well as repayment status, overdue status, and default status; The human resources data includes: total number of employees score, percentage of technical R&D personnel, percentage of talents with master's degrees or above, percentage of talents with intermediate and senior professional titles, and average labor productivity of all employees. The prospective development data includes: the target company's industry development status, product market share, industry position, and technological innovation capability data indicators.

3. The risk assessment method based on enterprise multidimensional data according to claim 2, characterized in that, Obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data, as well as the risk level corresponding to the business scope, including: Based on the corporate credit data, the human resources data, and the future development data, determine multiple data indicators corresponding to each dimension of data and the indicator weights corresponding to each data indicator. Based on multiple data indicators and the indicator weights corresponding to each indicator, the corporate credit data, human resources data, and future development data are quantified to obtain a quantitative score for each dimension, and the quantitative score is used as the corresponding evaluation score.

4. The risk assessment method based on enterprise multidimensional data according to claim 3, characterized in that, The quantified score is used as the corresponding evaluation score, satisfying: Where E is the quantification score, y represents the number of data indicators, X represents the corresponding data indicator, and K represents the indicator weight corresponding to the data indicator.

5. The risk assessment method based on enterprise multidimensional data according to claim 1, characterized in that, A risk assessment of the target company is conducted, including: Obtain the evaluation weight corresponding to the evaluation score for each dimension; The enterprise risk of the target enterprise is assessed based on the assessment scores corresponding to the multiple dimensions and the assessment weights corresponding to the assessment scores of each dimension.

6. The risk assessment method based on enterprise multidimensional data according to claim 5, characterized in that, A risk assessment of the target company's business risks is conducted, including: Analyze the operating environment factors and risk events within the scope of business to obtain the risk level of the operating environment factors for the enterprise type; Based on the aforementioned business environment factors, the risks posed by these factors to the company's development are classified into different levels.

7. The risk assessment method based on enterprise multidimensional data according to claim 6, characterized in that, The aforementioned operating environment factors include: Public health emergencies, natural disasters, and technological innovations.

8. A risk assessment system based on enterprise multidimensional data, characterized in that, The system is configured as follows: Identify the target company and obtain the multi-dimensional enterprise data corresponding to the target company, wherein the multi-dimensional enterprise data includes corporate credit data, human resources data and future development data; Based on the target company's business scope, obtain the corresponding business environment factors; Obtain a trained risk assessment model, and input the multidimensional enterprise data and the operating environment factors into the risk assessment model. Based on the output of the risk assessment model, obtain the risk assessment score corresponding to each dimension of the multidimensional enterprise data, and the risk level corresponding to the business scope. Based on the risk level and the risk assessment score corresponding to each dimension, a risk assessment is conducted on the target enterprise.

9. An electronic device, characterized in that, include: At least one processor; And, a memory communicatively connected to at least one of the processors; The memory stores instructions executable by at least one of the processors, which are executed by at least one of the processors to enable the at least one of the processors to perform the method as claimed in any one of claims 1-7.

10. A computer-readable storage medium, characterized in that, It stores a computer program that, when executed by a processor, implements the method as claimed in any one of claims 1-7.

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