7 results about "Credit analysis" patented technology

The invention discloses a credit data processing method and device, a storage medium and a program product, and relates to the technical field of credit data processing, and the method comprises the steps: obtaining credit process data of a plurality of credit products, and obtaining operation data of different bottom layer credit extension systems corresponding to the plurality of credit products; converting the credit process data into a first standard data record based on the first standard data template, and converting the operation data into a second standard data record based on the second standard data template; analyzing the first standard data record and the second standard data record according to the target analysis requirement to obtain a credit analysis result; wherein the first standard data template is generated based on standard credit processes corresponding to the plurality of credit products, and the first standard data record and the second standard data record are associated based on the business application identifier. The invention aims to improve the accuracy of whole-process analysis of a plurality of credit businesses related to a financial platform so as to provide core data support for operation and risk control.

The invention discloses an enterprise credit analysis and rating method based on multi-source soft information processing, and belongs to the technical field of data processing, and the method comprises the steps: obtaining multi-source information data containing soft information and hard information; preprocessing the multi-source information data to generate preprocessed data; extracting feature data used for representing credit conditions from the preprocessed data; comparing different source features in the feature data to generate a consistency evaluation result between the feature data; performing dynamic weighted fusion on the feature data based on a consistency evaluation result to generate fused feature data; and inputting the fused feature data into the credit rating model to generate a credit rating result, and adopting a technical means of generating a consistency evaluation result by comparing different source features in the feature data and performing dynamic weighted fusion on the feature data based on the result to effectively improve the accuracy and reliability of enterprise credit rating.