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Enterprise credit extension model construction method, apparatus and device, and readable storage medium

A construction method and enterprise technology, applied in the field of financial technology, can solve problems such as the inability of enterprise credit scoring technology to comprehensively and multi-dimensionally evaluate enterprise risk levels

Pending Publication Date: 2021-03-19
WEBANK (CHINA)
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  • Abstract
  • Description
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Problems solved by technology

[0006] The main purpose of the present invention is to provide a construction method, device, equipment and readable storage medium of an enterprise credit model, aiming to solve the technical problem that the existing enterprise credit scoring technology cannot comprehensively and multi-dimensionally evaluate the risk level of the enterprise

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  • Enterprise credit extension model construction method, apparatus and device, and readable storage medium
  • Enterprise credit extension model construction method, apparatus and device, and readable storage medium
  • Enterprise credit extension model construction method, apparatus and device, and readable storage medium

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no. 1 example

[0090] Based on the first embodiment, a second embodiment of the construction method of the enterprise credit model of the present invention is proposed. image 3 In this embodiment, step S30 includes:

[0091] Step S31, derivative data, the industry data, and the tax data corresponding to the tax data;

[0092] Step S32, calculates the dependent variable corresponding to the logic function corresponding to the preset logic regression model;

[0093] Step S33 is based on the logic regression model based on the due variable and the argument, to construct a corporate credit model.

[0094] In the present embodiment, the industry data corresponding to the business data is performed in advance according to the business data of the company, and the derivative data corresponding to the business data is determined. Later, the derivative data and tax data corresponding to the business data, the industrial and commercial data are used as the index of the logic regression model, and the argu...

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Abstract

The invention discloses a enterprise credit extension model construction method, device and equipment and a readable storage medium. The construction method comprises the following steps: constructinga tax payment data prediction model in advance; obtaining industrial and commercial data of an enterprise, and inputting the industrial and commercial data into the tax payment data prediction modelto obtain tax payment data corresponding to the industrial and commercial data; and based on the industrial and commercial data, the derivative data corresponding to the industrial and commercial dataand the tax payment data, constructing an enterprise credit extension model, so as to predict the credit risk of the target customer based on the enterprise credit extension model after the enterprise credit extension model is constructed. According to the invention, the credit risk of the enterprise can be assessed more comprehensively, so that the result of predicting the credit risk of the target customer is more reliable, and the technical problem that the risk level of the enterprise cannot be assessed comprehensively and multi-dimensionally by the existing enterprise credit scoring technology is solved.

Description

Technical field [0001] The present invention relates to Fintech TECHNICAL FIELDs, more particularly to a construction method, apparatus, device, and readable storage medium for enterprise credit models. Background technique [0002] With the development of computer technology, more and more technologies (big data, distributed, block chains, artificial intelligence, etc.) are applied in the financial field, and traditional financial industries are gradually transforming Fintech, but due to finance. The safety, real-time requirements of the industry, also put forward higher requirements for technology. [0003] Credit scoring technology based on business-friendly business, including expert scoring cards and business-friendly data construction statistical models. Among them, the expert scoring model is based on expert business experience, decomposes credit risk into multiple evaluation dimensions, and then manually gives each evaluation dimension to a certain weight, and finally put...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G06Q40/02G06Q10/06G06Q10/04
CPCG06Q10/04G06Q10/0639G06Q40/02G06Q40/123
Inventor 朱晨鸣
Owner WEBANK (CHINA)
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