Credit report generation method and device, storage medium and computer program product

Abstract

The invention discloses a credit report generation method and device, a storage medium and a computer program product, and the method comprises the steps: obtaining the identification information of a target enterprise and an electronic authorization file in response to a credit evaluation request initiated by a target object; initiating an authorization verification request to a government affair data service system based on the electronic authorization file, obtaining a verification result corresponding to the authorization verification request generated by the government affair data service system, and obtaining a data query authorization code of the target enterprise under the condition that the verification result is that authorization verification is passed; according to the data query authorization code, concurrently querying multi-dimensional data of a target enterprise from a plurality of heterogeneous data sources through a standardized data query interface; determining a credit score according to the multi-dimensional data and a preset score calculation rule, and determining a credit line according to the multi-dimensional data and a preset line calculation rule when it is determined that the credit score is greater than the preset score; and generating a credit report according to the multi-dimensional data, the credit score and the credit line.

Description

Technical Field

[0001] This application relates to the financial field, and more specifically, to a method and apparatus for generating credit reports, a storage medium, and a computer program product. Background Technology

[0002] Currently, financial institutions heavily rely on account managers to manually collect, integrate, and analyze data during credit assessment and loan approval for micro and small enterprises (MSEs). This operational process lacks standardized and automated technical capabilities for reuse. In existing solutions, after initiating an application in the business system, account managers manually access specific external data channels, such as logging into credit websites, tax platforms, and internal reporting systems, to obtain fragmented enterprise data. When the business requires real-time data acquisition from multiple sources for comprehensive quantitative evaluation, the existing solutions reveal significant shortcomings. Their data access and evaluation logic is implemented through fragmented, manual, or semi-automatic scripts, lacking unified and configurable automated processing capabilities, resulting in rigid and inefficient business processes. Each time a new data source is accessed or evaluation rules are adjusted, a lengthy process involving cross-system coordination, customized development, business testing, and deployment must be undertaken. This not only incurs high R&D and maintenance costs but also hinders rapid response to the financing needs of MSEs and fails to ensure consistency of evaluation standards across the entire business chain, ultimately leading to low efficiency in enterprise credit assessment.

[0003] Regarding the relevant technologies, there is currently no effective solution for improving the efficiency of corporate credit evaluation.

[0004] Therefore, it is necessary to improve the relevant technology to overcome the aforementioned defects. Summary of the Invention

[0005] This application provides a method and apparatus for generating credit reports, a storage medium, and a computer program product to at least address the problem of how to improve the efficiency of corporate credit evaluation.

[0006] According to one aspect of the embodiments of this application, a method for generating a credit report is provided, comprising: responding to a credit evaluation request initiated by a target object, obtaining the identification information and electronic authorization document of the target enterprise; initiating an authorization verification request to a government data service system based on the electronic authorization document, obtaining a verification result corresponding to the authorization verification request generated by the government data service system, and if the verification result indicates that the authorization verification is successful, obtaining a data query authorization code of the target enterprise; querying multi-dimensional data of the target enterprise concurrently from multiple heterogeneous data sources through a standardized data query interface based on the data query authorization code, wherein the heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions; determining a credit score based on the multi-dimensional data and a preset scoring calculation rule, and if the credit score is determined to be greater than the preset score, determining a credit limit based on the multi-dimensional data and a preset limit calculation rule; and generating the credit report based on the multi-dimensional data, the credit score, and the credit limit.

[0007] In an exemplary embodiment, in response to a credit rating request initiated by a target entity, obtaining the target enterprise's identification information and electronic authorization documents includes: verifying the credit rating request and obtaining a verification result; terminating the credit rating process if the verification result indicates that the credit rating request does not include the electronic authorization document, or that the electronic authorization document does not match the target enterprise's identification information; and saving the electronic authorization document and the target enterprise's identification information to a database if the verification result indicates that the electronic authorization document in the credit rating request matches the target enterprise's identification information.

[0008] In one exemplary embodiment, based on the data query authorization code, multi-dimensional data of the target enterprise from multiple heterogeneous data sources are concurrently queried through a standardized data query interface. This includes: querying the target enterprise's public credit data, social security payment data, and electricity consumption data from a local credit center system through a first data query interface; querying the target enterprise's tax declaration data and tax payment data from a tax system through a second data query interface; and querying the target enterprise's account information, historical transaction data, and risk status from a financial institution's database through a second data query interface.

[0009] In one exemplary embodiment, determining a credit score based on the multi-dimensional data and a preset scoring calculation rule includes: obtaining the scoring weight value and scoring calculation formula set by the preset scoring calculation rule for each data item in the multi-dimensional data; calculating the score value corresponding to each data item based on the scoring weight value and the scoring calculation formula; and determining the credit score based on the sum of the score values.

[0010] In an exemplary embodiment, determining the credit limit based on the multi-dimensional data and a preset credit limit calculation rule includes: obtaining the credit limit weight value and credit limit calculation formula set for each data item in the multi-dimensional data by the credit limit calculation rule; calculating the credit limit value corresponding to each data item based on the credit limit weight value and the credit limit calculation formula; and determining the credit limit based on the sum of the credit limit values.

[0011] In one exemplary embodiment, generating the credit report based on the multi-dimensional data, the credit score, and the credit limit includes: obtaining a structured credit report template; and filling the corresponding placeholder spaces in the credit report template with the multi-dimensional data, the credit score, and the credit limit to generate the credit report.

[0012] According to another aspect of the embodiments of this application, a credit report generation apparatus includes: a response module, configured to respond to a credit evaluation request initiated by a target object, and obtain the identification information and electronic authorization document of the target enterprise; a verification module, configured to initiate an authorization verification request to a government data service system based on the electronic authorization document, obtain a verification result corresponding to the authorization verification request generated by the government data service system, and obtain a data query authorization code of the target enterprise if the verification result indicates that the authorization verification is successful; a query module, configured to concurrently query multi-dimensional data of the target enterprise from multiple heterogeneous data sources through a standardized data query interface based on the data query authorization code, wherein the heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions; a determination module, configured to determine a credit score based on the multi-dimensional data and a preset scoring calculation rule, and determine a credit limit based on the multi-dimensional data and a preset limit calculation rule if the credit score is determined to be greater than the preset score; and a generation module, configured to generate the credit report based on the multi-dimensional data, the credit score, and the credit limit.

[0013] According to another aspect of the embodiments of this application, a computer-readable storage medium is also provided, wherein a computer program is stored in the computer program, and the computer program is configured to execute the above-described method for generating a credit report when it is run.

[0014] According to another aspect of the embodiments of this application, an electronic device is also provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the credit report generation method described above through the computer program.

[0015] This application addresses the issue of improving the efficiency of corporate credit assessment in response to a credit evaluation request from a target entity. It obtains the target company's identification information and electronic authorization documents, acquires a query authorization code from the electronic authorization documents, and then uses this code to query multi-source heterogeneous data of the company through a standardized data query interface. Pre-defined scoring and credit limit calculation rules are then used to automatically perform credit scoring and credit limit calculation on the multi-source heterogeneous data, ultimately generating an integrated credit report. This technical solution addresses the problem of improving the efficiency of corporate credit assessment, thereby achieving the desired effect of enhancing corporate credit assessment efficiency. Attached Figure Description

[0016] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments of this application and, together with the description thereof, serve to explain this application and do not constitute an undue limitation thereof. In the drawings:

[0017] Figure 1 This is a hardware structure block diagram of a computer terminal that executes the credit report generation method according to the embodiments of this application;

[0018] Figure 2 This is a flowchart of a credit report generation method according to an embodiment of this application;

[0019] Figure 3 This is a schematic flowchart of a credit report generation method according to an embodiment of this application;

[0020] Figure 4 This is a schematic diagram of a credit report generation method according to an embodiment of this application;

[0021] Figure 5 This is a structural block diagram of a credit report generation apparatus according to an embodiment of this application. Detailed Implementation

[0022] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0023] It should be noted that the terms and terms such as "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0024] The collection, storage, use, processing, transmission, provision, and disclosure of financial data or user data involved in the technical solution of this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0025] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0026] The methods and embodiments provided in this application can be executed on a computer terminal or similar computing device. Taking running on a computer terminal as an example, Figure 1 This is a hardware structure block diagram of a computer terminal executing the credit report generation method of the embodiments of this application. For example... Figure 1 As shown, a computer terminal may include one or more ( Figure 1 Only one is shown in the diagram. A processor 102 (which may include, but is not limited to, a microprocessor unit (MPU) or a programmable logic device (PLD)) and a memory 104 configured to store data are also included. In one exemplary embodiment, the computer terminal may further include a transmission device 106 configured for communication and an input / output device 108. Those skilled in the art will understand that… Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the computer terminal described above. For example, the computer terminal may also include components that are more complex than those described above. Figure 1 The more or fewer components shown, or having the same Figure 1 Equivalent functions or ratios shown Figure 1 The functions shown have more different configurations.

[0027] The memory 104 may be configured to store computer programs, such as application software programs and modules, like the computer program corresponding to the credit report generation method in this embodiment. The processor 102 executes various functional applications and data processing by running the computer programs stored in the memory 104, thereby implementing the aforementioned method. The memory 104 may include high-speed random access memory and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to a computer terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0028] The transmission device 106 is configured to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider for the computer terminal. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module configured to communicate with the Internet wirelessly.

[0029] This embodiment provides a method for generating credit reports. Figure 2 This is a flowchart of a credit report generation method according to an embodiment of this application, the process including the following steps:

[0030] Step S202: In response to the credit evaluation request initiated by the target entity, obtain the target enterprise's identification information and electronic authorization documents;

[0031] Step S204: Based on the electronic authorization document, initiate an authorization verification request to the government data service system, obtain the verification result corresponding to the authorization verification request generated by the government data service system, and if the verification result is that the authorization verification is passed, obtain the data query authorization code of the target enterprise;

[0032] Step S206: Based on the data query authorization code, concurrently query the multi-dimensional data of the target enterprise from multiple heterogeneous data sources through a standardized data query interface. The heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions.

[0033] Step S208: Determine the credit score based on the multi-dimensional data and the preset scoring calculation rules. If the credit score is greater than the preset score, determine the credit limit based on the multi-dimensional data and the preset limit calculation rules.

[0034] Step S210: Generate the credit report based on the multi-dimensional data, the credit score, and the credit limit.

[0035] Optionally, in the above steps, for example, when a bank's account manager needs to process a loan for a small or micro enterprise, the account manager first logs into the bank's internal system, fills in the enterprise's unified social credit code and actual controller information on the credit report application page, and uploads a PDF file of the inquiry authorization letter signed by the client. After receiving the credit evaluation request, the system extracts the enterprise identification information and authorization document. Subsequently, the system sends the authorization information to the local credit center for authorization verification via a dedicated line; if the verification is successful, the credit center returns an authorization code. The system uses this authorization code to simultaneously initiate queries to multiple data sources, such as the local credit center, tax bureau, and the bank's internal data warehouse, through a standardized interface to obtain multi-dimensional data such as the enterprise's social security payments, electricity consumption, tax records, and internal account information. Next, the system calculates a credit score based on a preset scoring card model (a set of mathematical rules and algorithms that transform multi-dimensional, unstructured data of enterprises or individuals into a standardized, quantifiable, and interpretable "credit score"). If the score meets the requirements, the credit limit is further calculated based on the credit limit calculation rules (such as combining tax amount, electricity consumption, and other coefficients). Finally, the system integrates all data, scoring results, and credit limits to automatically generate a structured, downloadable PDF credit report.

[0036] Through the above steps, in response to a credit evaluation request initiated by the target entity, the system obtains the target company's identification information and electronic authorization documents. It then obtains a query authorization code from the electronic authorization documents and uses this code to query the company's multi-source heterogeneous data through a standardized data query interface. Using pre-set scoring and credit limit calculation rules, it automatically performs credit scoring and credit limit calculations on the multi-source heterogeneous data, ultimately generating an integrated credit report. This technical solution addresses the issue of improving the efficiency of corporate credit evaluation, thereby achieving the desired effect of improving the efficiency of corporate credit evaluation.

[0037] In an exemplary embodiment, in response to a credit rating request initiated by a target entity, obtaining the target enterprise's identification information and electronic authorization documents includes: verifying the credit rating request and obtaining a verification result; terminating the credit rating process if the verification result indicates that the credit rating request does not include the electronic authorization document, or that the electronic authorization document does not match the target enterprise's identification information; and saving the electronic authorization document and the target enterprise's identification information to a database if the verification result indicates that the electronic authorization document in the credit rating request matches the target enterprise's identification information.

[0038] Optionally, in the above embodiment, when the account manager submits an application, the system first checks whether the authorization letter PDF file has been uploaded. If not uploaded, the page prompts "Please upload the authorization letter" and prevents submission. If uploaded, the system also verifies whether the company name and unified social credit code in the authorization letter match the identification information entered. If they do not match, the system prompts "Authorization information does not match," and the process terminates. Only when the verification passes will the system store the authorization letter file and company information together in the backend database for subsequent authorization reporting.

[0039] In one exemplary embodiment, based on the data query authorization code, multi-dimensional data of the target enterprise from multiple heterogeneous data sources are concurrently queried through a standardized data query interface. This includes: querying the target enterprise's public credit data, social security payment data, and electricity consumption data from a local credit center system through a first data query interface; querying the target enterprise's tax declaration data and tax payment data from a tax system through a second data query interface; and querying the target enterprise's account information, historical transaction data, and risk status from a financial institution's database through a second data query interface.

[0040] Optionally, in the above embodiments, the system concurrently acquires data through three main interfaces: the first interface directly connects to the credit center to obtain public credit data such as the enterprise's credit rating, administrative penalty records, number of employees paying social security, and monthly electricity consumption; the second interface connects to the tax bureau system via a dedicated tax line to query the enterprise's tax returns and actual tax payments for the past three years; and the third interface calls the bank's internal data warehouse to obtain internal risk information such as the enterprise's bank account opening date, settlement records, whether there are any loan defaults, and whether it is included in the internal control list. All queries are automatically completed within the authorization code's validity period, eliminating the need for manual login to each platform for individual queries.

[0041] In one exemplary embodiment, determining a credit score based on the multi-dimensional data and a preset scoring calculation rule includes: obtaining the scoring weight value and scoring calculation formula set by the preset scoring calculation rule for each data item in the multi-dimensional data; calculating the score value corresponding to each data item based on the scoring weight value and the scoring calculation formula; and determining the credit score based on the sum of the score values.

[0042] Optionally, in the above embodiments, the built-in scoring card model of the system is pre-defined by business experts. For example, 2 points are awarded for each full year of business establishment, 5 points for every 12 consecutive months of social security contributions, and 3 points for every 100,000 yuan of total tax paid in the past year. The system calculates the score for each item based on the multi-dimensional data retrieved, combined with the weight and calculation formula of each item, and finally sums all the scores to obtain the company's comprehensive credit score. For example, a company established for 5 years receives 10 points, with 36 consecutive months of social security contributions receiving 15 points, and 500,000 yuan of tax paid receiving 15 points, accumulating to 40 points. If the threshold score is 30 points, then the company's score meets the standard.

[0043] In an exemplary embodiment, determining the credit limit based on the multi-dimensional data and a preset credit limit calculation rule includes: obtaining the credit limit weight value and credit limit calculation formula set for each data item in the multi-dimensional data by the credit limit calculation rule; calculating the credit limit value corresponding to each data item based on the credit limit weight value and the credit limit calculation formula; and determining the credit limit based on the sum of the credit limit values.

[0044] Optionally, in the above embodiments, the credit limit calculation rules are also set by business experts. For example, based on tax data, five times the average tax amount of the past two years is taken as the basic credit limit; based on electricity consumption data, the average monthly electricity cost × 12 × 3 is taken as the operating status coefficient; at the same time, if the enterprise is recognized as a technology-based enterprise, the credit limit can be increased by an additional 20%. The system calculates the credit limit components according to each rule based on the specific data queried, and then summarizes them to obtain the final credit limit. For example, if an enterprise's average tax amount of the past two years is 100,000 yuan, then the basic credit limit is 500,000 yuan; the average monthly electricity cost is 10,000 yuan, and the operating coefficient is 360,000 yuan; with the 20% increase for being recognized as a technology-based enterprise, the final calculated credit limit is (500,000 + 360,000) × 1.2 = 1,032,000 yuan.

[0045] In one exemplary embodiment, generating the credit report based on the multi-dimensional data, the credit score, and the credit limit includes: obtaining a structured credit report template; and filling the corresponding placeholder spaces in the credit report template with the multi-dimensional data, the credit score, and the credit limit to generate the credit report.

[0046] Optionally, in the above embodiments, the system includes a standardized PDF report template with pre-defined structured sections such as "Basic Enterprise Information," "Operating Data," "Credit Score," and "Credit Limit." The system fills in the retrieved data (such as enterprise name, number of employees covered by social security, and tax payment) into the corresponding positions and enters the calculated credit score and credit limit into the corresponding columns. Finally, a complete and uniformly formatted credit report is generated, which account managers can directly download by entering the enterprise credit code on the "Credit Report Download" page.

[0047] Obviously, the embodiments described above are only some embodiments of this application, and not all embodiments. To better understand the above method for generating credit reports, the process is described below with reference to embodiments, but this is not intended to limit the technical solutions of the embodiments of this application. Specifically:

[0048] In an optional embodiment, the method for generating the credit report of this application can be achieved through, as follows: Figure 3 The system implementation shown is illustrated in Table 1, with specific architectural components described below:

[0049] Table 1

[0050]

[0051] In an optional embodiment, combined with Figure 4 The business process for obtaining credit reports by the above system shall be described, such as... Figure 4 As shown, the specific process includes the following:

[0052] 1. The corporate account manager accesses the credit report application page through the loan menu in the branch system, fills in the company name, unified social credit code, actual controller information and contact information, and uploads a PDF file of the authorization letter signed by the client to initiate the credit report application. If the authorization letter is not uploaded, the application cannot be submitted. If there is already an application for the same company under the same third-level institution in the system, the authorization must be revoked before another application can be submitted. This process's system architecture involves initiating a transaction request from the front end, transmitting the information and authorization letter to the backend server and database for storage.

[0053] 2. The supervisor enters the Unified Social Credit Code in the Credit Report Application Review menu to view applications submitted by subordinate account managers. The system automatically downloads and uploads the authorization letter. The process can only continue after the review is approved. Supervisors can only review applications from their own organization and subordinate organizations. The system initiates a query request from the front end, retrieves backend database and file information, and displays it on the front end. When the button is clicked for approval, the backend uses a dedicated line from the external platform to call the real-name authentication interface of the credit center. Upon success, it automatically calls the authorization letter reporting interface, sending the application information and authorization letter to the credit center. The credit center then reviews the materials and information. After successful review, the credit center system returns the corresponding authorization code to the enterprise within the industry. This authorization code remains valid throughout the authorization letter's validity period and is stored in the backend database.

[0054] 3. The account manager downloads the credit report from the branch system's credit report download page. Only the applicant can download the credit report. After entering the unified social credit code and clicking the button, the credit report can be downloaded. At this time, the system connects directly to the systems of third-party credit centers and tax bureaus through external data systems and external platforms. It obtains the enterprise's credit rating, administrative and environmental penalties, credit defaults, social security data, electricity consumption, and basic information from the credit center; it obtains relevant tax data from the tax bureau; and it obtains internal information such as account type, loan amount, internal control list, and actual controller from the bank's data warehouse big data cloud platform. It also obtains the list of technology-based enterprises uploaded by business personnel. After scoring rules formulated by business experts, a special government data scoring card score is generated. Then, big data technology is used to model and integrate the data from multiple sources to generate a PDF credit report containing multi-dimensional information about the enterprise.

[0055] 4. The credit center's code is also modeled and developed based on rules provided by business experts. It converts raw data into flag values ​​and transmits them back to the system, maintaining the principle of data remaining within the data domain. Authorization from the tax bureau is handled automatically by the system. If a query for tax data reports an invalid authorization, the system automatically retrieves the company information to perform the authorization operation. The list of recognized technology-based enterprises uploaded by the business also has a corresponding menu. After the business uploads the list file according to the template, the relevant section chief and supervisor conduct a three-level review. Only after final approval is the list uploaded to the database for storage and use in credit reports.

[0056] The credit report includes customer eligibility criteria. Data still originates from the credit center, tax bureau, and the bank's data warehouse. Customers not meeting these criteria will have a credit limit of 0. These criteria are based on rules established by business experts, including but not limited to situations where the score calculated using a dedicated government data scoring card does not reach a certain threshold, the enterprise or its owner is listed on a blacklist or internal control list, or there are long-term gaps in tax and social security payments. These rules, after being converted into code by the system, strictly limit the credit limit for enterprises, restricting loan amounts for customers who do not meet the relevant conditions. The system-calculated credit limit displayed at the end of the credit report is also based on rules proposed by business experts, including relevant business coefficients and credit limit values ​​from the conversion of third-party data. This limits the upper limit of the output credit limit, outputting a value only if the basic eligibility criteria are met.

[0057] 5. After the credit report is generated, the branch account manager submits the business application to the head office. After the head office approves the application, the loan is signed and the loan is disbursed.

[0058] In the above embodiments, this application automatically acquires and integrates data from multiple channels, including government affairs, taxation, and internal banking systems, through a standardized interface. While ensuring data remains within the original system and meets security and compliance requirements, the system processes and scores data according to preset rules, effectively replacing the traditional manual method of item-by-item querying, summarizing, and verifying. Through a built-in configurable scoring model, the system achieves unified and objective credit assessment standards and automates the entire process from application, data collection, scoring, credit limit calculation to report generation. Simultaneously, the system sets operational permissions based on different roles, ensuring process control and data traceability. This significantly improves processing efficiency and accuracy while comprehensively reducing operational and compliance risks, providing efficient, reliable, and consistent digital credit services for micro and small enterprises.

[0059] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods according to the above embodiments can be implemented by means of software plus necessary general-purpose hardware platforms. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) and includes several instructions to cause a terminal device (which may be a mobile phone, computer, server, or network device, etc.) to execute the methods of the various embodiments of this application.

[0060] This embodiment also provides a credit report generation apparatus, which is used to implement the above embodiments and preferred embodiments; details already described will not be repeated. As used below, the term "module" can be a combination of software and / or hardware that performs a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, hardware implementation, or a combination of software and hardware, is also possible and contemplated.

[0061] Figure 5 This is a structural block diagram of a credit report generation apparatus according to an embodiment of this application, the apparatus comprising:

[0062] The response module 50 is used to respond to a credit rating request initiated by the target entity and obtain the target enterprise's identification information and electronic authorization documents;

[0063] Verification module 52 is used to initiate an authorization verification request to the government data service system based on the electronic authorization document, obtain the verification result corresponding to the authorization verification request generated by the government data service system, and obtain the data query authorization code of the target enterprise if the verification result is that the authorization verification is passed;

[0064] The query module 54 is used to concurrently query multi-dimensional data of the target enterprise from multiple heterogeneous data sources through a standardized data query interface based on the data query authorization code. The heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions.

[0065] The determining module 56 is used to determine a credit score based on the multi-dimensional data and a preset scoring calculation rule, and to determine a credit limit based on the multi-dimensional data and a preset limit calculation rule when the credit score is determined to be greater than the preset score.

[0066] The generation module 58 is used to generate the credit report based on the multi-dimensional data, the credit score, and the credit limit.

[0067] The credit report generation apparatus of this application embodiment, in response to a credit evaluation request initiated by a target entity, obtains the target enterprise's identification information and electronic authorization documents. It then obtains a query authorization code through the electronic authorization documents and uses the authorization code to query the enterprise's multi-source heterogeneous data through a standardized data query interface. Finally, it performs automated credit scoring and credit limit calculation on the multi-source heterogeneous data using preset scoring rules and credit limit calculation rules, generating an integrated credit report. This technical solution addresses the problem of improving the efficiency of enterprise credit evaluation, thereby achieving the effect of improving the efficiency of enterprise credit evaluation.

[0068] In an exemplary embodiment, the response module 50 is configured to verify the credit rating request and obtain a verification result; if the verification result indicates that the credit rating request does not include the electronic authorization document, or that the electronic authorization document does not match the identification information of the target enterprise, the credit rating process is terminated; if the verification result indicates that the electronic authorization document in the credit rating request matches the identification information of the target enterprise, the electronic authorization document and the identification information of the target enterprise are saved to the database.

[0069] In an exemplary embodiment, the query module 54 is used to query the target enterprise's public credit data, social security payment data, and electricity consumption data from the local credit center system through a first data query interface; to query the target enterprise's tax declaration data and tax payment data from the tax system through a second data query interface; and to query the target enterprise's account information, historical transaction data, and risk status from the financial institution's database through the second data query interface.

[0070] In one exemplary embodiment, the determining module 56 is configured to obtain the scoring weight value and scoring calculation formula set for each data item in the multi-dimensional data by the preset scoring calculation rule; calculate the scoring value corresponding to each data item according to the scoring weight value and the scoring calculation formula; and determine the credit score according to the sum of the scoring values.

[0071] In an exemplary embodiment, the determining module 56 is configured to obtain the credit limit weight value and credit limit calculation formula set for each data item in the multi-dimensional data according to the credit limit calculation rule; calculate the credit limit value corresponding to each data item according to the credit limit weight value and the credit limit calculation formula; and determine the credit limit according to the sum of the credit limit values.

[0072] In an exemplary embodiment, the generation module 58 is used to obtain a structured credit report template; and to fill the corresponding placeholder spaces in the credit report template with the multi-dimensional data, the credit score and the credit limit, respectively, to generate the credit report.

[0073] Embodiments of this application also provide a storage medium including a stored program, wherein the program executes any of the above embodiments when it is run.

[0074] Optionally, in this embodiment, the storage medium may be configured to store a computer program for performing the following steps:

[0075] S1, in response to a credit rating request initiated by the target entity, obtains the target enterprise's identification information and electronic authorization documents;

[0076] S2, based on the electronic authorization document, initiate an authorization verification request to the government data service system, obtain the verification result corresponding to the authorization verification request generated by the government data service system, and if the verification result is that the authorization verification is passed, obtain the data query authorization code of the target enterprise;

[0077] S3. Based on the data query authorization code, concurrently query the multi-dimensional data of the target enterprise from multiple heterogeneous data sources through a standardized data query interface. The heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions.

[0078] S4. Determine the credit score based on the multi-dimensional data and the preset scoring calculation rules. If the credit score is greater than the preset score, determine the credit limit based on the multi-dimensional data and the preset limit calculation rules.

[0079] S5, Generate the credit report based on the multi-dimensional data, the credit score, and the credit limit.

[0080] In one exemplary embodiment, the aforementioned computer-readable storage medium may include, but is not limited to, various media capable of storing computer programs, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard disk, magnetic disk, or optical disk.

[0081] Specific examples in this embodiment can be found in the examples described in the above embodiments and exemplary implementations, and will not be repeated here.

[0082] Embodiments of this application also provide an electronic device including a memory and a processor, wherein the memory stores a computer program and the processor is configured to run the computer program to perform the steps in any of the above method embodiments.

[0083] Optionally, in this embodiment, the processor can be configured to perform the following steps via a computer program:

[0084] S1, in response to a credit rating request initiated by the target entity, obtains the target enterprise's identification information and electronic authorization documents;

[0085] S2, based on the electronic authorization document, initiate an authorization verification request to the government data service system, obtain the verification result corresponding to the authorization verification request generated by the government data service system, and if the verification result is that the authorization verification is passed, obtain the data query authorization code of the target enterprise;

[0086] S3. Based on the data query authorization code, concurrently query the multi-dimensional data of the target enterprise from multiple heterogeneous data sources through a standardized data query interface. The heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions.

[0087] S4. Determine the credit score based on the multi-dimensional data and the preset scoring calculation rules. If the credit score is greater than the preset score, determine the credit limit based on the multi-dimensional data and the preset limit calculation rules.

[0088] S5, Generate the credit report based on the multi-dimensional data, the credit score, and the credit limit.

[0089] In one exemplary embodiment, the electronic device may further include a transmission device and an input / output device, wherein the transmission device is connected to the processor and the input / output device is connected to the processor.

[0090] Specific examples in this embodiment can be found in the examples described in the above embodiments and exemplary implementations, and will not be repeated here.

[0091] Obviously, those skilled in the art should understand that the modules or steps of this application described above can be implemented using general-purpose computing devices. They can be centralized on a single computing device or distributed across a network of multiple computing devices. They can be implemented using computer-executable program code, and thus can be stored in a storage device for execution by a computing device. In some cases, the steps shown or described can be performed in a different order than those presented here, or they can be fabricated as separate integrated circuit modules, or multiple modules or steps can be fabricated as a single integrated circuit module. Thus, this application is not limited to any particular combination of hardware and software.

[0092] The above description is merely a preferred embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the principles of this application should be included within the protection scope of this application.

Claims

1. A method for generating a credit report, characterized in that, include: In response to a credit rating request initiated by the target entity, obtain the target company's identification information and electronic authorization documents; Based on the electronic authorization document, an authorization verification request is initiated to the government data service system, and the verification result corresponding to the authorization verification request generated by the government data service system is obtained. If the verification result indicates that the authorization verification is successful, the data query authorization code of the target enterprise is obtained. Based on the data query authorization code, multi-dimensional data of the target enterprise from multiple heterogeneous data sources can be queried concurrently through a standardized data query interface. The heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions. A credit score is determined based on the multi-dimensional data and the preset scoring calculation rules. If the credit score is greater than the preset score, the credit limit is determined based on the multi-dimensional data and the preset limit calculation rules. The credit report is generated based on the multi-dimensional data, the credit score, and the credit limit.

2. The method for generating a credit report according to claim 1, characterized in that, In response to a credit rating request initiated by the target entity, obtain the target company's identification information and electronic authorization documents, including: The credit rating request is verified, and the verification result is obtained; If the verification result indicates that the electronic authorization document is not included in the credit rating request, or that the electronic authorization document does not match the identification information of the target enterprise, the credit rating process shall be terminated. If the verification result indicates that the electronic authorization document in the credit rating request matches the identification information of the target enterprise, the electronic authorization document and the identification information of the target enterprise are saved to the database.

3. The method for generating a credit report according to claim 1, characterized in that, Based on the data query authorization code, multi-dimensional data of the target enterprise from multiple heterogeneous data sources can be queried concurrently through a standardized data query interface, including: The target company's public credit data, social security payment data, and electricity consumption data are retrieved from the local credit center system through the first data query interface. The tax declaration data and tax payment data of the target enterprise can be retrieved from the tax system through the second data query interface. The second data query interface is used to query the target company's account information, historical transaction data, and risk status from the financial institution's database.

4. The method for generating a credit report according to claim 1, characterized in that, A credit score is determined based on the multi-dimensional data and preset scoring calculation rules, including: Obtain the preset scoring calculation rule for the scoring weight value and scoring calculation formula set for each data item in the multi-dimensional data; Calculate the score value corresponding to each data item based on the score weight value and the score calculation formula; The credit score is determined based on the sum of the score values.

5. The method for generating a credit report according to claim 1, characterized in that, The credit limit is determined based on the multi-dimensional data and preset credit limit calculation rules, including: Obtain the credit limit calculation rule, which sets the credit limit weight value and credit limit calculation formula for each data item in the multi-dimensional data; The credit value corresponding to each data item is calculated based on the credit weight value and the credit calculation formula; The credit limit is determined based on the sum of the credit limit values.

6. The method for generating a credit report according to claim 1, characterized in that, The credit report is generated based on the multi-dimensional data, the credit score, and the credit limit, including: Obtain a structured credit report template; The multi-dimensional data, the credit score, and the credit limit are respectively filled into the corresponding placeholder spaces in the credit report template to generate the credit report.

7. A credit report generation apparatus, characterized in that, include: The response module is used to respond to credit rating requests initiated by the target entity and obtain the target enterprise's identification information and electronic authorization documents; The verification module is used to initiate an authorization verification request to the government data service system based on the electronic authorization document, obtain the verification result corresponding to the authorization verification request generated by the government data service system, and obtain the data query authorization code of the target enterprise if the verification result is that the authorization verification is successful. The query module is used to concurrently query multi-dimensional data of the target enterprise from multiple heterogeneous data sources through a standardized data query interface based on the data query authorization code. The heterogeneous data sources include at least government service data sources from the government data service system and internal data sources from financial institutions. The determination module is used to determine a credit score based on the multi-dimensional data and preset scoring calculation rules, and to determine a credit limit based on the multi-dimensional data and preset limit calculation rules when the credit score is determined to be greater than the preset score. The generation module is used to generate the credit report based on the multi-dimensional data, the credit score, and the credit limit.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein the program, when executed, performs the method according to any one of claims 1 to 6.

9. An electronic device comprising a memory and a processor, characterized in that, The memory stores a computer program, and the processor is configured to execute the method described in any one of claims 1 to 6 through the computer program.

10. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 6.

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