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Graph database-based risk control management system and method for small and medium-sized enterprises

A technology for small and medium-sized enterprises and management systems, applied in the field of small and medium-sized enterprise risk control management systems based on graph databases, can solve problems such as high credit risk, limited strength of small and medium-sized enterprises, imperfect systems, etc., and achieve the effect of reducing financial risks

Pending Publication Date: 2021-11-19
ZHEJIANG CHUANGLIN TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the production operation, small and medium-sized enterprises also have corresponding financing requirements in order to expand production and operation, replace equipment and other factors. Due to high credit risk and other reasons, it is difficult to obtain credit support from banks and financing institutions

Method used

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  • Graph database-based risk control management system and method for small and medium-sized enterprises
  • Graph database-based risk control management system and method for small and medium-sized enterprises

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] see figure 1 , a risk management system for small and medium-sized enterprises based on graph database, including:

[0044] The data interface unit is used to connect multi-dimensional external data to obtain enterprise data of various small and medium-sized enterprises; wherein, the data comes from various business systems;

[0045] Specifically, the multiple dimensions include the basic information of the enterprise, focusing on information, enterprise development, data interpretation, and news information, etc.; wherein, the basic information includes business information, shareholder information, holding companies and corporate annual reports, etc.; focus on Information includes judgment documents, court announcements, and case filing information; others will not be listed one by one.

[0046] The index extraction unit is used to extract the obtained data according to the preset risk control standard to obtain the corresponding risk control index.

[0047] Specifi...

Embodiment 2

[0069] Based on above-mentioned same inventive idea, see figure 2 , a small and medium-sized enterprise risk control management method based on a graph database, which is applied to a small and medium-sized enterprise risk control management system based on a graph database described above, including the following steps:

[0070] S101, connecting multi-dimensional external data to obtain enterprise data of each small and medium-sized enterprise; wherein, the data comes from various business systems;

[0071] S102, extracting the obtained data according to the preset risk control standard, so as to obtain the corresponding risk control index;

[0072] S103. Initially assign the obtained risk control indicators to obtain an indicator matrix;

[0073] S104, calculating a weight distribution matrix of each risk control indicator according to the indicator matrix;

[0074] S105, establishing an evaluation set for each risk control index and assigning a value to obtain an evaluat...

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Abstract

The invention provides a graph database-based risk control management system and method for small and medium-sized enterprises, and the system comprises: a data interface unit which is in butt joint with multi-dimensional external data; the index extraction unit that is used for extracting the obtained data according to a preset risk control standard to obtain a risk control index; the first processing unit that is used for carrying out initial assignment on each obtained risk control index to obtain an index matrix and carrying out calculation to obtain a weight distribution matrix; the second processing unit that is used for establishing an evaluation set for each risk control index and carrying out assignment to obtain a corresponding evaluation matrix and carrying out calculation to obtain an evaluation result matrix; the third processing unit that is used for obtaining a risk vector set by combining the weight distribution matrix with the evaluation result matrix; the graph data unit that is used for constructing a graph database according to the data obtained by each unit; the risk control unit that is used for transmitting enterprise data needing to be evaluated to the graph database for processing. The invention has the advantages that an accurate and objective credit risk evaluation system for small and medium-sized enterprises is constructed, and corresponding financial risks are reduced.

Description

technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to a small and medium-sized enterprise risk control management system and method based on a graph database. Background technique [0002] With the development of the market economy, the non-public economy is contributing more and more important force in the social and economic development, which is mainly reflected in the number of small and medium-sized enterprises. Small and medium-sized enterprises not only promote economic growth, but also provide a large number of jobs for many people who need employment. [0003] In the production operation, small and medium-sized enterprises also have corresponding financing requirements in order to expand production and operation, replace equipment and other factors. Due to high credit risk and other reasons, it is difficult to obtain credit support from banks and financing institutions. [0004] Therefore, it is an urg...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F16/901G06F16/903
CPCG06F16/9024G06F16/903G06Q40/03
Inventor 张晨
Owner ZHEJIANG CHUANGLIN TECH CO LTD
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