Credit risk evaluation method and credit risk evaluation system

Abstract

The invention is applicable to the technical field of information, and provides a credit risk evaluation method and a credit risk evaluation system. The method includes by a cloud computing ERP (enterprise resource planning) system, acquiring multi-dimensional data of enterprises, and analyzing the multi-dimensional data to acquire analysis results; determining the types of the enterprises according to the analysis results, and adjusting risk evaluation model weights of the different types of enterprises to calculate credit scores of the enterprises; according to the credit scores of the enterprises, judging whether credit applications proposed by the enterprises are approved or not; if yes, performing real-time monitoring by the cloud computing ERP system after credit offering. By the credit risk evaluation method, accuracy and efficiency of credit risk evaluation can be improved, so that the credit risk evaluation method has high practicability.

Description

technical field [0001] The invention belongs to the field of information technology, in particular to a credit risk assessment method and system. Background technique [0002] At present, since my country's credit system and credit investigation management for the whole society including SMEs have not yet been formed, and SMEs have no other publicly available credit information, there is no unified evaluation system for credit risk assessment of SMEs. However, the internal management of most small and medium-sized enterprises in my country is not standardized, the rules and regulations are not perfect, the information disclosure is asymmetric, and the financial statements and other materials cannot reflect the real situation. [0003] In fact, traditional financial and lending institutions mainly collect scattered data such as bank statements, financial statements, and order contracts manually offline, that is, mainly based on the data submitted by customers. The authenticit...

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Problems solved by technology

[0002] At present, due to the fact that my country has not yet formed a credit system and credit investigation management for the whole society including SMEs, SMEs have no other publicly available credit information, so there is no unified evaluation system for credit risk assessment of SMEs

However, the internal management of most small and medium-sized enterprises in my country is not standardized, the rules and regulations are not perfect, the information disclosure is asymmetric, and the financial statements and other materials cannot reflect the real situation.

[0003] In fact, traditional financial and lending institutions mainly collect scattered data such as bank statements, financial statements, and order contracts manually offline, that is, mainly based on the data submitted by customers. The authenticity of the data is difficult to distinguish, and there is little reliable information. Severe lags in collection and analysis

Enterprises in the Internet field mainly obtain data through channels such as e-commerce platforms or social networks, but this information is not directly related to business management and credit status, and the data is not very relevant and predictable, and the statistical standards of data between different platforms They are not the same, cannot complement each other, and cannot be used comprehensively, making it difficult for companies in the Internet field to analyze all aspects of their actual operations.

Problems such as incomplete information, unreliable data, and inaccessible data have brought great difficulties to the credit risk assessment of SMEs

However, the models and methods of credit risk assessment are largely limited by the data

Limited by the data obtained, its assessment method still relies on subjective judgments, which leads to unreliable assessment results of existing technologies, and the collection and analysis process lags behind seriously, so its risk assessment timeliness is not enough

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