Step-level credit assessment method and assessment system

Abstract

The invention discloses a step-level credit assessment method and a step-level credit assessment system. The evaluation method comprises the following steps: collecting various evidence collection records and related credit data related to an evaluated unit, and establishing a credit problem element card model related to the unit according to the evidence collection records and sample data; converting the content of the credit problem element card into an index weight system through a technical method, and further processing the advantages and disadvantages of index execution by using a presetcredit integral stepped scoring model and a matched scoring template for each three-level index; the organizational structure is divided into four units according to step layers, and index weight values related to evidences attached in the organizational structure are converted into a recognizable responsibility subject range. The evaluation system comprises a core model construction module, a data acquisition module, an evidence recording module, a conversion module, a calculation module and the like. According to the evaluation method and system, the quality of the credit evaluation data can be improved, the authenticity and comprehensiveness of the credit evaluation data are guaranteed, and the credibility of a credit evaluation result is improved.

Description

technical field [0001] The invention belongs to the technical field of credit management, and relates to a credit evaluation method and system, in particular to various enterprises, institutions, administrative agencies and other units with relatively complete organizational structures and many professional and technical positions. A method and system for credit evaluation by dividing it into relatively independent units, that is, a step-by-step credit evaluation method and evaluation system. Background technique [0002] With the development of modern science and technology in society, the division of social specialization is becoming more and more detailed, and the subject of credit management is becoming more and more important in the process of social development in our country. In order to enhance the management innovation capabilities of enterprises, institutions, administrative agencies and other units, promote the industrial upgrading of enterprises and institutions,...

AI Technical Summary

Problems solved by technology

[0003] At present, the legal basis of most of the data collected by credit reports is not clear enough, and it is difficult to pursue responsibility, especially when organizations use information across industries, systems or organizations, they will encounter difficulties, resulting in a waste of a lot of social resources. High-quality data that can investigate the source of data errors, correct them in a timely manner, be consistent, and complete are the top priority at present. The society is in the era of big data, and organizational management is increasingly dependent on data. If the quality of data cannot be improved, credit evaluation can be guaranteed. The authenticity and comprehensiveness of the data, the credit evaluation results are not credible

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