Method for determining enterprise credit increment based on enterprise employee data

Abstract

The invention belongs to the field of enterprise credit extension service systems, and discloses a method for determining enterprise credit increment based on enterprise employee data, which solves the problems of inaccurate evaluation of enterprise collateral value and inconformity of enterprise credit increment and enterprise operation conditions, and comprises the following operation steps: receiving a credit increment request sent by a target enterprise, understanding target enterprise information, and collecting target enterprise employee data; carrying out credit augmentation evaluation,wherein the credit augmentation evaluation comprises evaluation initial condition setting, enterprise credit augmentation initial condition configuration and enterprise employee data index coefficient configuration; analyzing enterprise employee data; obtaining a final result value of the target enterprise credit enhancement assessment, and presenting the enterprise operation condition and the risk condition; and determining the credit amount range of the target enterprise according to the credit evaluation result value of the target enterprise. The real operation condition of the enterprisecan be obtained by analyzing the employee data condition of the target enterprise, and the efficiency and accuracy of enterprise credit evaluation are effectively improved.

Description

Technical field [0001] The invention belongs to the field of enterprise credit collection service systems, and specifically relates to a method for determining the increase of enterprise credit based on enterprise employee data. Background technique [0002] The entire financial credit business is embodied in the credit enhancement business and the credit business, which together are called the credit collection business. The so-called credit enhancement means "increasing credit", which refers to the activities that some enterprises or individuals that need to borrow loans need to request credit enhancement agencies to increase their credit before borrowing, and to evaluate the credit status of the borrower for support The purpose of making credit business decisions is to reduce the credit risk of credit business. Credit enhancement business is the cornerstone of the operation of modern financial and commercial systems, as well as the foundation for preventing credit risks, main...

AI Technical Summary

Problems solved by technology

[0004] At present, enterprise credit / credit enhancement mainly adopts the simple model of "mortgage in kind". Enterprises provide banks with land, factory buildings, machinery and equipment mortgages, deposit certificates or commercial contracts to obtain credit lines and make financing loans. Difficulties in corporate financing, inaccurate assessment of the value of corporate collateral, and inconsistencies between corporate credit lines and corporate operating conditions, which also make bank loans have a high risk of bad debts

Images