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Power big data credit reporting analysis method and apparatus

An analysis method and big data technology, applied in the field of credit services, can solve problems such as the lack of scientificity in credit evaluation, and achieve the effect of scientific and effective evaluation

Inactive Publication Date: 2017-04-26
北京恒华龙信数据科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of this, the present invention provides a method and device for credit investigation and analysis of electric power big data to solve the problem of lack of scientificity in the existing artificial credit assessment

Method used

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  • Power big data credit reporting analysis method and apparatus
  • Power big data credit reporting analysis method and apparatus
  • Power big data credit reporting analysis method and apparatus

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Experimental program
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Effect test

Embodiment 1

[0061] Embodiment 1 of the present invention discloses a method for credit investigation and analysis of electric power big data, which is applied to a device for credit investigation and analysis of electric power big data. The flow chart of the method is as follows figure 1 shown, including the following steps:

[0062] S101, constructing a data warehouse of electric power big data, the data warehouse includes at least one customer information of an electricity customer and its electricity consumption information;

[0063] In the process of executing step S101, ETL (Extract-Transform-Load, data warehouse technology) may be used for implementation.

[0064]S102. For each electricity customer, calculate at least one corresponding credit index value according to the customer information and the electricity consumption information;

[0065] In the process of executing step S102, for each electricity customer, the customer information and electricity consumption information of t...

Embodiment 2

[0072] Based on the above-mentioned electric power big data credit analysis method disclosed in Embodiment 1 of the present invention, this embodiment 2 also discloses a power big data credit analysis method, the method flow chart is as follows figure 2 shown, including the following steps:

[0073] S101, constructing a data warehouse of electric power big data, the data warehouse includes at least one customer information of an electricity customer and its electricity consumption information;

[0074] S201, for each electricity customer, generate at least one credit index chart according to customer information and electricity consumption information;

[0075] In the process of executing step S201, for each electricity customer, the customer information and electricity consumption information of the electricity customer are obtained from the data warehouse; wherein, the customer information includes but is not limited to information on persons subject to enforcement, informa...

Embodiment 3

[0083] Based on the power big data credit investigation and analysis method disclosed in Embodiment 1 and Embodiment 2 of the present invention above, as figure 1 and figure 2 In the shown step S101, the specific execution process of building the data warehouse of electric power big data is as follows: image 3 shown, including the following steps:

[0084] S301, extracting power big data from preset data sources;

[0085] During the execution of step S301, the preset data sources may include information databases of local electric power departments, information databases of industrial and commercial taxation departments, and / or information databases of court departments.

[0086] S302, performing data cleaning on the electric power big data to obtain the current electric power big data;

[0087] In the process of executing step S302, the data with repeated values ​​or serious missing data is deleted, and the non-critical data fields with less serious missing are interpola...

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Abstract

The invention provides a power big data credit reporting analysis method and apparatus. The method comprises the following steps: constructing a data warehouse of power big data, wherein the data warehouse comprises client information of at least one power consumption client and power consumption information; for each power consumption client, calculating at least one corresponding credit index value according to the client information and the power consumption information; according to each credit index value and its corresponding weight value, calculating a credit score of the power consumption client; and determining a credit grade corresponding to the credit score from multiple preset credit grades. It can be seen that the method can determine the corresponding credit grade through calculating the credit score of each power consumption client, since the credit score is calculated according to a unified standard, the influences of personal subjective opinions are also avoided, and scientific and effective evaluation of the credit grade of the power consumption client is realized.

Description

technical field [0001] The present invention relates to the technical field of credit services, and more specifically, to a method and device for credit investigation and analysis of electric power big data. Background technique [0002] With the continuous advancement of the construction of the social credit system, the establishment of a credit evaluation system for enterprises and individuals in our country has become a key development direction in our country. [0003] At present, when the power system internally evaluates the credit of power users and individuals, experts use their own experience to artificially classify power customers into key, high-quality or risk customers. However, this artificial evaluation method is limited by the experts themselves Influenced by experience, lack of scientific nature. [0004] In view of this, how to scientifically and effectively evaluate the credit of electricity customers is an urgent problem to be solved by those skilled in ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q50/06G06Q30/00
CPCG06Q10/06393G06Q30/018G06Q50/06
Inventor 陈少坤
Owner 北京恒华龙信数据科技有限公司
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