A Realization Method of Enterprise Credit Rating

Abstract

This application discloses a method and system for realizing enterprise credit rating, which includes the following steps: constructing multiple customer pools; according to the customer conditions set up in the account and the subsidiary identification of the account, find qualified customers from the corresponding customer pools The first customer; obtain the basic information and credit information of the first customer from the database; according to the basic information, the credit information and blacklist information, use the preset enterprise credit scoring model to perform enterprise credit scoring; according to the enterprise The credit rating and the preset corporate credit rating model are used to rate the first customer and generate a corporate credit rating report. This application has the effect of making the credit rating systems of various subsidiaries communicate with each other and reducing the economic loss of the group.

Description

technical field [0001] This application relates to the technical field of enterprise credit rating management, in particular to a method and system for realizing enterprise credit rating. Background technique [0002] Credit rating refers to the use of scientific and rigorous investigation and analysis methods by credit rating agencies to comprehensively evaluate the asset status of enterprises and individuals, the ability to perform various commitments and the degree of credibility, and express it in simple and clear symbols or words. Market behavior that meets social needs. Credit rating of business partners is one of the tools used by groups or companies to grasp the cooperation risks of credit customers in real time. It combines the rating requirements of the "Credit Risk Management Implementation Rules" and the industry standards of the "Enterprise Performance Evaluation Standard Table" of the State-owned Assets Supervision and Administration Commission. The model conf...

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Problems solved by technology

[0003] At present, due to the possibility of competition among the various subsidiaries within the group, in order to prevent customer information leakage, each subsidiary uses its own credit rating system, and there is no credit interoperability and information sharing between the credit rating systems of each subsidiary. The operating cost of the entire group, and the credit rating system cannot obtain the complete customer credit information of the entire group when the credit rating system is rated, resulting in inaccurate ratings of the customer's corporate credit by the credit rating system, resulting in economic losses for the group

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