Enterprise lending credit evaluation system

Abstract

The invention discloses an enterprise lending credit evaluation system, which comprises an enterprise debt repayment historical retrospection module, a responsible person reputation evaluation module, a responsible person asset stability evaluation module and an integrated metering module. According to the technical scheme of the invention, not only the financial strength of an enterprise is reflected by the debt repayment history of the enterprise, but also the credit of the enterprise in debit and credit is also reflected. In the embodiments of the invention, the debt repayment history of the enterprise is evaluated. In this way, the one sidedness problem of the single evaluation on the financial strength of the enterprise can be solved. Moreover, the tedious independent evaluation process for independently evaluating the financial strength of the enterprise and the debt repayment credit of the enterprise can be avoided. The responsible person reputation evaluation module is used for evaluating the overall reputation of the responsible person of the enterprise, and the evaluation result of the responsible person reputation evaluation module can reflect the moral quality and the feasibility of the responsible person to a certain degree. The financial strength of the enterprise is associated with the financial strength of the responsible person. The responsible person asset stability evaluation module is used for further evaluating the real estate threshold of the responsible person. Therefore, the evaluation accuracy for the financial strength of the enterprise is improved.

Description

technical field [0001] The invention relates to the technical field of enterprise evaluation, in particular to an enterprise loan credit evaluation system. Background technique [0002] With the development of the economy and the opening of the financial market, the competition of commercial banks has become increasingly fierce. If the efficient control of credit risk becomes the main problem in commercial loans. In the existing risk assessment process, the main assessment method is to assess each risk factor separately, and use the sum of the assessment results as the risk assessment result. [0003] In the existing evaluation methods, the financial data provided by the enterprise and the current financial resources of the enterprise are too heavily relied on, while the creditworthiness of the enterprise's debt repayment is ignored. Therefore, the availability of the evaluation results is low. Contents of the invention [0004] Based on the technical problems existing in...

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Problems solved by technology

[0003] In the existing evaluation methods, the financial data provided by the enterprise and the current financial resources of the enterprise are overly dependent, and the creditworthiness of the enterprise's debt repayment is ignored. Therefore, the availability of evaluation results is low.

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