CN104966160A - Risk assessment system for small and medium-sized enterprises - Google Patents
Risk assessment system for small and medium-sized enterprises Download PDFInfo
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- CN104966160A CN104966160A CN201510325257.9A CN201510325257A CN104966160A CN 104966160 A CN104966160 A CN 104966160A CN 201510325257 A CN201510325257 A CN 201510325257A CN 104966160 A CN104966160 A CN 104966160A
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Abstract
A risk assessment system for small and medium-sized enterprises comprises an enterprise data acquisition module, an industry data acquisition module, a data mirroring area, a data extraction module, a data warehouse area, a model processing module and a report generation module; wherein the enterprise data acquisition module is connected with the data mirroring area, the industry data acquisition module is connected with the data mirroring area, the data extraction module is connected with the data mirroring area and the data warehouse area, the model processing module is connected with the data warehouse area, and the report generation module is connected with the model processing module. According to the risk assessment system of the present invention, a plurality of operation state data comprising financial data are used as assessment foundation, the enterprise is analyzed by reference to industry data having high relational degrees with the enterprise and having high credibility and according to the plurality of operation state data, thus the defect that the financial data of most enterprises are not true is avoided, in addition, other operation state data are acquired for supplementing the financial data, thereby facilitating avoiding of assessment correctness risk caused by excessive dependence on the financial data during assessment of the enterprise.
Description
Technical field
The present invention relates to business risk assessment technology field, particularly relate to a kind of medium-sized and small enterprises risk evaluating system.
Background technology
In China, a lot of Corporate finance is difficult, must by obtaining financing to pledging.Set up the To enterprises operational risk early-warning system groupware, be used for assisting financial institution to enterprise's credit decision-making and credit legal system, very necessary.The business risk assessment software of current widespread use, is all the basic data using the financial statement of enterprise as assessment, by these believable financial basic datas, is calculated the business circumstance of enterprise by wind control model.But a lot of enterprise especially medium-sized and small enterprises because of financial statement quality of information lower, the influence degree that Credit Risk Assessment of Enterprise is subject to business manager is high, and financial statement information credibility is lower, often has the situation that inside and outside account is inconsistent.Therefore traditional business risk forecast model is applied on medium-sized and small enterprises, certainly will have structural inclined mistake, cause predictive ability to reduce, and certainly will affect bank's credit according to survey, improves the credit risk of bank.
Summary of the invention
Based on the technical matters that background technology exists, the present invention proposes a kind of medium-sized and small enterprises risk evaluating system.
A kind of medium-sized and small enterprises risk evaluating system that the present invention proposes, comprising: business data acquisition module, industry data acquisition module, data image district, data extraction module, data bins reservoir area, model processing modules and report generation module;
Business data acquisition module is connected with data image district, and it for gathering the diversified economy status data comprising financial data from enterprise to be assessed, and is stored into data image district;
Industry data acquisition module is connected with data image district, and it collects trade information for basis with the degree of association of enterprise to be assessed, and from trade information, screens industry data according to the confidence level in source, industry data is sent to data image district and stores;
Data extraction module is connection data MIRROR SITE and data bins reservoir area respectively, it to be gone forward side by side row relax according to the management position data of preset data tupe calling data MIRROR SITE, obtain target management data, and establish credible weighted value with reference to corresponding industry data for each target management data mark, target management data and credible weighted value are stored in data bins reservoir area;
Model processing modules is connected with data bins reservoir area, is preset with data model in model processing modules, and it carries out data processing according to data model from the credible weighted value of data bins reservoir area invocation target management data and correspondence, produces assessment result;
Report generation module is connected with model processing modules, and its assessment result according to model processing modules generates report.
Preferably, business data acquisition module in real time or timing acquiring management position data.
Preferably, management position data comprise ERP system data, HR system data and financial system data.
Preferably, be preset with the correlation model being greater than degree of association preset value with the degree of association of enterprise to be assessed in industry data acquisition module, and be preset with believability threshold; Industry data acquisition module gathers trade information according to correlation model, and establishes confidence level according to trade information source to its mark, then chooses confidence level and is greater than the trade information of believability threshold as industry data.
Preferably, degree of association preset value is preset with in industry data acquisition module, it gathers the trade information being greater than degree of association preset value with the degree of association of enterprise to be assessed, and trade information is sorted according to source confidence level, extract trade information as industry data according to confidence level order from big to small.
Preferably, the data model preset in model processing modules comprises solvency valuation model and Credit Risk Assessment Model.
Preferably, the report that report generation module generates according to the assessment result of model processing modules comprises: business solvency report, Financial Crisis early warning report and Enterprise Credit Risk Evaluation report.
Preferably, business data acquisition module and industry data acquisition module transmit data respectively by data pump to data image district.
This medium-sized and small enterprises risk evaluating system is to comprise the diversified economy status data of financial data for assessing basis, with reference to and credible high industry data strong with the enterprise degree of association, according to diversified economy status data, enterprise is analyzed, avoid the real not defect of financial data of most enterprise, and by gathering other management position data, financial data is supplemented, be conducive to the assessment correctness risk avoiding causing the undue dependence of financial data when assessing enterprise.
In present embodiment, diversified economy status data can expand the scope covering business data classification, thus more fully covering the basis navigation of enterprise operation data, is conducive to making more accurate assessment to enterprise operation state.
The present invention can Quick Acquisition trade information targetedly by correlation model, and by the setting of believability threshold, can ensure the authenticity of the industry data extracted, avoid being hoodwinked by the trade information of mistake.And in conjunction with industry data to Enterprise Business Management State data analysis, be conducive to the accuracy and the unitarity that improve analysis, thus improve the reliability of risk assessment.
Accompanying drawing explanation
Fig. 1 is a kind of medium-sized and small enterprises risk evaluating system structural representation that the present invention proposes.
Embodiment
With reference to Fig. 1, a kind of medium-sized and small enterprises risk evaluating system that the present invention proposes, comprising: business data acquisition module, industry data acquisition module, data image district, data extraction module, data bins reservoir area, model processing modules and report generation module.
Business data acquisition module is connected with data image district, and it for gathering the diversified economy status data comprising financial data from enterprise to be assessed, and is stored into data image district.Financial data can the core data of an enterprise at last, but the financial data of most enterprise is true not, and supplements financial data by gathering other management position data, the undue dependence to financial data when being conducive to avoiding assessment enterprise.Other management position data can comprise ERP system data, HR system data etc.In order to ensure that management position data can reflect the current management position of enterprise in real time, business data acquisition module in real time or timing acquiring management position data so that management position data ground in real time or timing upgrade.
Industry data acquisition module is connected with data image district, and it collects trade information for basis with the degree of association of enterprise to be assessed, and from trade information, screens industry data according to the confidence level in source, industry data is sent to data image district and stores.
In present embodiment, be preset with the correlation model being greater than degree of association preset value with the degree of association of enterprise to be assessed in industry data acquisition module, and be preset with believability threshold.Industry data acquisition module gathers trade information according to correlation model, and establishes confidence level according to trade information source to its mark, then chooses confidence level and is greater than the trade information of believability threshold as industry data.
During concrete enforcement, degree of association preset value can be preset in industry data acquisition module, the degree of association of industry data collecting module collected and enterprise to be assessed is greater than the trade information of degree of association preset value, and trade information is sorted according to source confidence level, extract trade information as industry data according to confidence level order from big to small.The extraction of industry data can be carried out as required, such as, extract predetermined number as five industry data, or until the data area that the industry data cover that extracts is preset just stops extraction.
The acquisition methods of above two kinds of industry data can ensure that the industry data obtained both had certain intercommunity with the management position data of enterprise to be assessed, can as the assessment reference of Enterprise Business Management State data, there is again higher confidence level, reduce the risk assessment error of enterprise to be assessed.
In present embodiment, business data acquisition module and industry data acquisition module can respectively by data pump to data image district transmission data.
Data extraction module is connection data MIRROR SITE and data bins reservoir area respectively, it to call management position data according to preset data tupe and to go forward side by side row relax from data image district, obtain target management data, and establish credible weighted value with reference to corresponding industry data for each target management data mark, target management data and credible weighted value are stored in data bins reservoir area.Industry data reliability is larger, stronger with the relevance of enterprise to be assessed, then the credible weighted value of establishing target management data mark with reference to industry data is more reliable.Credible weighted value uses evaluation criteria as the risk of target management data, and its reliability is directly connected to the degree of accuracy of the risk assessment to enterprise to be assessed.
Model processing modules is connected with data bins reservoir area, data model is preset with in model processing modules, as solvency valuation model and Credit Risk Assessment Model, it carries out data processing according to data model from the credible weighted value of data bins reservoir area invocation target management data and correspondence, produces assessment result.
Report generation module is connected with model processing modules, and its assessment result according to model processing modules generates report, specifically comprises: business solvency report, Financial Crisis early warning report and Enterprise Credit Risk Evaluation report.More real enterprise operation situation displays with the form of report by this system, is supplied to enterprise self for early-warning and predicting on the one hand; On the other hand, answer other investment corporatioies, guarantee corporation, little Dai company, bank and other financial mechanism requirement, truly can understand conditions of the enterprise, for further analysis decision provides safeguard, reduce debt-credit Cooperation Risk etc.
The above; be only the present invention's preferably embodiment; but protection scope of the present invention is not limited thereto; anyly be familiar with those skilled in the art in the technical scope that the present invention discloses; be equal to according to technical scheme of the present invention and inventive concept thereof and replace or change, all should be encompassed within protection scope of the present invention.
Claims (8)
1. a medium-sized and small enterprises risk evaluating system, is characterized in that, comprising: business data acquisition module, industry data acquisition module, data image district, data extraction module, data bins reservoir area, model processing modules and report generation module;
Business data acquisition module is connected with data image district, and it for gathering the diversified economy status data comprising financial data from enterprise to be assessed, and is stored into data image district;
Industry data acquisition module is connected with data image district, and it collects trade information for basis with the degree of association of enterprise to be assessed, and from trade information, screens industry data according to the confidence level in source, industry data is sent to data image district and stores;
Data extraction module is connection data MIRROR SITE and data bins reservoir area respectively, it to be gone forward side by side row relax according to the management position data of preset data tupe calling data MIRROR SITE, obtain target management data, and establish credible weighted value with reference to corresponding industry data for each target management data mark, target management data and credible weighted value are stored in data bins reservoir area;
Model processing modules is connected with data bins reservoir area, is preset with data model in model processing modules, and it carries out data processing according to data model from the credible weighted value of data bins reservoir area invocation target management data and correspondence, produces assessment result;
Report generation module is connected with model processing modules, and its assessment result according to model processing modules generates report.
2. medium-sized and small enterprises risk evaluating system as claimed in claim 1, is characterized in that, business data acquisition module in real time or timing acquiring management position data.
3. medium-sized and small enterprises risk evaluating system as claimed in claim 1, it is characterized in that, management position data comprise ERP system data, HR system data and financial system data.
4. medium-sized and small enterprises risk evaluating system as claimed in claim 1, is characterized in that, be preset with the correlation model being greater than degree of association preset value with the degree of association of enterprise to be assessed, and be preset with believability threshold in industry data acquisition module; Industry data acquisition module gathers trade information according to correlation model, and establishes confidence level according to trade information source to its mark, then chooses confidence level and is greater than the trade information of believability threshold as industry data.
5. medium-sized and small enterprises risk evaluating system as claimed in claim 1, it is characterized in that, degree of association preset value is preset with in industry data acquisition module, it gathers the trade information being greater than degree of association preset value with the degree of association of enterprise to be assessed, and trade information is sorted according to source confidence level, extract trade information as industry data according to confidence level order from big to small.
6. medium-sized and small enterprises risk evaluating system as claimed in claim 1, is characterized in that, the data model preset in model processing modules comprises solvency valuation model and Credit Risk Assessment Model.
7. medium-sized and small enterprises risk evaluating system as claimed in claim 5; it is characterized in that, the report that report generation module generates according to the assessment result of model processing modules comprises: business solvency report, Financial Crisis early warning report and Enterprise Credit Risk Evaluation report.
8. the medium-sized and small enterprises risk evaluating system as described in any one of claim 1 to 6, is characterized in that, business data acquisition module and industry data acquisition module transmit data respectively by data pump to data image district.
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| CN105260854A (en) * | 2015-11-09 | 2016-01-20 | 浙江中之杰软件技术有限公司 | An enterprise evaluation management system |
| CN107153993A (en) * | 2017-04-19 | 2017-09-12 | 畅捷通信息技术股份有限公司 | The realization method and system of big data financial platform |
| CN108764625A (en) * | 2018-04-18 | 2018-11-06 | 深圳微企宝计算机***有限公司 | Financial analysis device and method |
| CN109492945A (en) * | 2018-12-14 | 2019-03-19 | 深圳壹账通智能科技有限公司 | Business risk identifies monitoring method, device, equipment and storage medium |
| CN110232509A (en) * | 2019-06-03 | 2019-09-13 | 安徽智侒信信息技术有限公司 | A kind of medium-sized and small enterprises air control model |
| CN110472806A (en) * | 2018-05-11 | 2019-11-19 | 永丰商业银行股份有限公司 | Financial letter comments System and method for |
| CN110889589A (en) * | 2019-10-23 | 2020-03-17 | 今稠科技(上海)有限公司 | Online wind accuse service system of enterprise |
| CN112150263A (en) * | 2020-10-09 | 2020-12-29 | 信阳农林学院 | Enterprise financial risk early warning system |
| CN113298630A (en) * | 2020-02-24 | 2021-08-24 | 上海方付通商务服务有限公司 | Method, device, equipment and medium for processing benchmark financial data of small and micro business industry |
| CN116468271A (en) * | 2023-04-17 | 2023-07-21 | 北京融信数联科技有限公司 | Enterprise risk analysis method, system and medium based on big data |
| CN118052205A (en) * | 2024-04-10 | 2024-05-17 | 中国科学技术大学 | Enterprise evaluation report generation method and device based on technical information data |
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| CN113298630A (en) * | 2020-02-24 | 2021-08-24 | 上海方付通商务服务有限公司 | Method, device, equipment and medium for processing benchmark financial data of small and micro business industry |
| CN112150263A (en) * | 2020-10-09 | 2020-12-29 | 信阳农林学院 | Enterprise financial risk early warning system |
| CN116468271A (en) * | 2023-04-17 | 2023-07-21 | 北京融信数联科技有限公司 | Enterprise risk analysis method, system and medium based on big data |
| CN116468271B (en) * | 2023-04-17 | 2024-02-27 | 北京融信数联科技有限公司 | Enterprise risk analysis method, system and medium based on big data |
| CN118052205A (en) * | 2024-04-10 | 2024-05-17 | 中国科学技术大学 | Enterprise evaluation report generation method and device based on technical information data |
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Inventor after: Xu Wei Inventor before: Xu Rongjing |
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Effective date of registration: 20161230 Address after: 230000 Anhui province high tech Zone National University Science and Technology Park Business Incubator Center C District, the first layer of college students dream factory, station 9, No. 10, No. Applicant after: Hefei intellectual property Mdt InfoTech Ltd Address before: 230000 Hefei science and technology zone, Anhui province high tech Road, room 107, No. 701 Applicant before: ANHUI RONGXIN JINMO INFORMATION TECHNOLOGY CO., LTD. |
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