The invention discloses an enterprise credit evaluation method and device,
electronic equipment and a storage medium, and relates to the technical field of financial science and tech, and the method comprises the steps: obtaining multi-source heterogeneous data of an enterprise, and constructing a
knowledge graph according to the multi-source heterogeneous data; performing semantic analysis on the
knowledge graph through a financial reasoning
large model, and generating a technical barrier
score and a
market potential score of the enterprise; obtaining financial data of the enterprise, calculating a cash flow
health score through the financial data, and calculating a technical strength
score through the technical barrier score and the
market potential score; and according to the technical strength score, the cash flow
health score and the stage characteristics of the enterprise, a default probability is calculated by adopting a preset prediction model, and a three-dimensional
evaluation result is generated. The method has the technical effects that the enterprise credit assessment dimension is more comprehensive, the non-financial index extraction is accurate and efficient, the risk prediction better fits the enterprise development stage, and the precision is higher.