Investment and financing risk assessment method

Abstract

An investment and financing risk assessment method includes the following steps of step 1, collecting information of a user who applies for investment and financing; step 2, utilizing a risk assessment system to analyze the information of the user who applies for investment and financing and obtaining a preliminary analysis result; step 3, distributing the information to an expert evaluation system according to the preliminary analysis result and proceeding to an expert review to obtain an expert analysis result; step 4, generating a risk assessment report according to the expert analysis result and grading the user who applies for investment and financing to a plurality of grades; and step 5, subjecting the user who meets grade requirements to investment and financing information matching according to the risk assessment report. The investment and financing risk assessment method has the advantages of achieving the further processing of the investment and financing information, encoding the information in a standardization mode, quantifying the critical data such as the integrity risk, subjecting the investment and financing information to the intelligent matchmaking trading through the establishment of certain mathematical models, improving the efficiency of the investment and financing transaction greatly, and reducing the cost of the investment and financing transaction.

Description

technical field [0001] The invention relates to an investment and financing risk assessment method, in particular to an investment and financing risk assessment method in the technical field of computer networks. Background technique [0002] With the development of social economy, some small and medium-sized enterprises have to choose financing to solve the problem of existing capital limitations in order to make the projects run normally or occupy the market share more quickly. However, the investment and financing informatization market is still in a very primitive stage. The main characteristics of the current market are light online and heavy offline. The amount of investment and financing information across the country has grown explosively, and the number of organizations and institutions engaged in investment and financing information services has also continued to increase rapidly. Whether it is a direct investment and financing party or a third-party service provi...

AI Technical Summary

Problems solved by technology

[0003] There are many investment and financing information platforms based on simple text queries. Only a few companies process investment and financing information and establish corresponding databases. However, there are no key content in investment and financing information such as project risk and individual integrity. Even if the required investment and financing information can be found through database query, it is still impossible to quickly match and match through evaluation, calculation and quantitative processing. In general, it cannot meet the needs of the market

Due to the rapid increase in the amount of investment and financing information, simple search and manual evaluation and matching can no longer satisfy the rapid matching transactions of massive investment and financing information, and the expansion of business will also be limited by this. The amount of information is too large, the quality of information is too poor, the matching function is lacking, and the integrity risk is blank. It is impossible for investors and financiers to find the most ideal matching results in the shortest time through such a platform.

Generally speaking, if the investment and financing information platform has the above problems, it will not be able to carry out business effectively, but the demand for personal lending and corporate investment and financing is growing explosively