Personal and enterprise credit evaluation system based on credit sharing

Abstract

The invention is suitable for the technical field of enterprise credit assessment, and provides a personal and enterprise credit evaluation system based on credit sharing. The system comprises a data acquisition module, a data processing module and a client, wherein the data processing module is in communication connection with the data acquisition module and the client; the data acquisition module is used for collecting credit investigation data about individuals and enterprises and sending the credit investigation data to the data processing module; the data processing module is used for receiving and storing the personal and enterprise credit investigation data sent by the data acquisition module, and is used for receiving a credit investigation evaluation report query instruction of a client, and the credit investigation evaluation report query instruction comprises to-be-queried subject identification information; a credit investigation evaluation report corresponding to the to-be-queried subject identification information is generated according to stored credit investigation data of individuals and enterprises, the credit investigation evaluation report is stored, and the credit investigation evaluation report is sent to the client; and the data storage unit is used for storing the credit investigation data and the credit investigation evaluation report.

Description

technical field [0001] The invention relates to the technical field of enterprise credit evaluation, in particular to a personal and enterprise credit evaluation system based on credit sharing. Background technique [0002] Credit assessment is an activity in which banks evaluate the creditworthiness of borrowers. The most basic condition for bank loans is credit. If you have good credit, you can easily obtain bank loan support, but if you have poor credit, it is difficult to obtain bank loan support. The borrower's credit is composed of many factors, including the borrower's assets and liabilities, operation and management level, product economic benefits and market development trends, etc. [0003] In the prior art, credit evaluation systems for individuals and enterprises usually use two independent evaluation systems. When different evaluation agencies evaluate individuals and enterprises, they need to use different evaluation systems for evaluation. The two systems are...

AI Technical Summary

Problems solved by technology

[0003] In the prior art, credit evaluation systems for individuals and enterprises usually use two independent evaluation systems. When different evaluation agencies evaluate individuals and enterprises, they need to use different evaluation systems for evaluation. The two systems are independent of each other. When inquiring about a company’s evaluation report, not only the company’s credit report but also the reports of executives, shareholders, etc. need to be inquired. The inquires need to be inquired separately, which is inconvenient and the separate maintenance cost between the two independent systems is also relatively high.

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