Analysis system and method for comprehensively evaluating credit line of enterprise

Abstract

The invention discloses an analysis system and method for comprehensively evaluating credit line of enterprises, relates to the technical field of finance, and specifically relates to the analysis system and method for comprehensively evaluating credit line of enterprises, and the system comprises: a reference line model module which outputs a reference line matched with the condition of an enterprise according to the information of the enterprise; and an adjustment coefficient module that is used for adjusting the credit line of the enterprise on the basis of the reference line. The inventiondiscloses the analysis system and method for comprehensively evaluating the credit line of an enterprise. Multi-aspect information of assets and operation of enterprises is integrated, thus obtaininga coefficient index conforming to the enterprise by utilizing the plurality of dimension data, and calculating a reference quota adjustment coefficient matched with the enterprise for the enterprise;according to the credit line analysis system and method, the information participating in credit line evaluation of the enterprise is relatively comprehensive, so that the more accurate credit line is obtained, the risk of the enterprise is effectively reduced, the fraud risk of the enterprise is effectively reduced, and the bad debt rate of the credit enterprise using the system and method is reduced.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a system and method for comprehensively evaluating enterprise credit line analysis. Background technique [0002] At present, with the development of the Internet financial industry, more and more financial loan companies are applying online loan software to their daily loan business due to good convenience and flexibility. [0003] Online microloans are welcomed by many small and micro enterprises because of their advantages of strong flexibility and fast loan disbursement. How to evaluate a relatively accurate credit line based on the information of the enterprise is very important. The level of the credit line directly affects the cooperation between the small loan company and the applicant enterprise. If the credit line is low, then the enterprise may not choose to cooperate with the small loan company, so how to use the collected enterprise information in all aspects? I...

AI Technical Summary

Problems solved by technology

[0004] At present, most small loan companies involve very limited company information when evaluating credit lines, and most of the information comes from simple information submitted by the enterprise, such as: corporate records, legal representative identity information, and enterprise residence information. On the one hand, the information collected is not comprehensive enough. The incomplete information collection is because the credit line calculation model requires less information and does not need more information, which leads to inaccurate credit line. On the other hand, the calculation involved in the credit line model It is relatively single, and it is impossible to evaluate the situation of the enterprise in multiple aspects, resulting in a large difference between the credit line and the actual amount that the enterprise can bear, which brings greater risks to small loan companies

Images