CN108876134A - A kind of medium and small micro- enterprise's credit system - Google Patents
A kind of medium and small micro- enterprise's credit system Download PDFInfo
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Abstract
The present invention provides a kind of medium and small micro- enterprise's credit system, belongs to technical field of information processing, and present system is based on enterprise（It is personal）Authorization, according to Intranet big data, government data, inside data of enterprise, water, electricity and gas data, bank data and third party's data, it is logical by draw to data, integration, analysis, build small micro- Enterprise Trust Model, realize business standing rapid evaluation, pass through enterprise's reference model evaluation Enterprise Integrated credit, bank is by having the combination credit assessment of Enterprise Integrated Credit Model and credit decision model, credit assessment is carried out to medium-sized and small enterprises, assessment result notice enterprise make loans under line, one-stop financial service is provided for enterprise, it is provided for bank and obtains visitor on line, comprehensive air control service.It solves the problems, such as that Financing is difficult, financing is expensive, Financing efficiency is low, provides quick, efficient, authoritative Enterprise Integrated credit evaluation point for credit financing mechanism, promote Enterprise Credit development.
Description
Technical field
The present invention relates to company information processing, integration, authorization, Opening field, government affairs, bank information interaction technique is related to, especially
It is related to a kind of medium and small micro- enterprise's credit system.
Background technique
For a long time, " financing difficulties, financing expensive " annoying always the development of China's real economy, especially agriculture, rural areas and farmers, in
The problem of weak areas such as little Wei enterprise, is especially prominent, and financing threshold is high, financing method is single, credit extending channel are narrow, loan interest rate
High, finance costs height, financing gap are serious.
Summary of the invention
In order to solve the above technical problems, the invention proposes a kind of medium and small micro- enterprise's credit systems.By various regions portion of government
Door, Yin Jian department and banking financial institutions' hand-in-glove pass through integrating traditional bank data, government data and external disclosure
Data are handled using big data, analysis restores small micro- enterprise operation, production, history credit standing and financing with modeling technique and believes
It is drawn a portrait with equal credit level in all directions, behavioural characteristic and risk, bank is helped to carry out automation credit approval decisionmaking, interest rate price
Decision and line of credit decision, formed before borrowing, borrowed in, borrow after a whole set of wisdom air control scheme, while by establishing cooperative mechanism, taking
Co-operation platform, shared exchange information, innovation financing method are built, credit product creativity is increased, final to realize that data are credible, effect
Rate is higher, and risk is controllable, and each side's credit and behavior are openly supervised, and effectively solves medium and small micro- business finance service problem.
Technical scheme is as follows：
A kind of medium and small micro- enterprise's credit system,
It mainly include portal website, enterprise（It is personal）User's background management system, bank's background management system, government audit management
System, data service system and the big module of system operation management system six, wherein enterprise（It is personal）User's background management system, silver
Row background management system, government audit management system branch are enterprises（It is personal）User, bank-user and government customer's operation make
System, enterprise（It is personal）User is mainly used for identity verification, credit applications, result and checks that bank-user is mainly used for
Credit examination & approval, application user's credit assessment etc., government customer is mainly used for closing the audit and supervision that rule use to government data, right
The statistics etc. of the amount of credit, see Fig. 2.
Portal website is the portal of medium and small micro- enterprise's credit system, be enterprise customer, government customer, bank-user enter after
The entrance of platform management.Portal website include homepage, I to provide a loan, notice of providing a loan, Domestic News, policies and regulations, registration log in and
Demand publication etc. functions, homepage be used to show, promotional system, I to provide a loan mainly presents each bank loan financial product letter
Breath, for user select loan product information and carry out loan application, loan notice be enterprise customer present loan process,
The functions such as points for attention, FAQs, Domestic News are that user is in the relevant Domestic News information such as present government, bank, loan,
Policies and regulations are the publicity of the laws and regulations in terms of medium and small micro- country of enterprise, local loan policy and credit is presented in user, note
Volume logs on as enterprise and provides register account number, identity authentication function and provide user to carry out login function, has logged in rear system according to
The user identity of login automatically switches to corresponding individual center, and demand is issued as enterprise（It is personal）User provides financing needs letter
Cease issuing function, it is possible to specify single user also can specify multiple banks.
Enterprise（It is personal）User's background management system is that enterprise passes through in Entry Firm individual after user's login tax system
The heart carries out business handling, including to enterprise itself portrait the checking of information, query, submit loan Shen to data
Please, it records a demerit loan examination & approval and checks, loan progress queries, the inquiry of business loan historical information and enterprise customer's personal information are tieed up
The functions such as shield.
Bank's background management system is bank clerk by entering bank individual center after logging in system by user, mainly
Service have corporate client management, loan examination & approval, bank-user management, Shen borrow corporation information query, client assign, report download,
The management of product, entry criteria management, primary condition management, black and white lists management, forewarning management, approval results feedback, examination & approval are gone through
Records of the Historian record, authorized agreement management, government data access, automatically generates early warning, combined pre-warning after reporting modules, loan at report management
The functions such as function.Report one product of management function a corresponding data report template, report template is managed, and reports lattice
Formula, field are corresponding with bank's built-in system；Authorized agreement management function includes the definition such as government data business licenses, personal authorization
With setting, management etc. functions；Government data access, to automatically generate reporting modules function include government data access, it is corresponding according to
Report carries out field data filling, including encapsulation government data service, enterprise's government data report generation, financial product report life
At, export, downloading, printing etc. functions.Suitable enterprise product function is judged automatically to be taken out according to basic condition, entry criteria, platform
It takes relevant governmental data to judge automatically the credit product of suitable corporate client, and is born from the dynamic pre- credit amount of money of calculating；Early warning after loan
Function includes to early warning, setting rank, real-time early warning after the loan in terms of the corporate client progress government data after successfully providing a loan.Connection
Closing warning function includes the data inside the data of government and bank being set up combined pre-warning mechanism, including warning index is set
It sets, implement the functions such as early warning.
Government audit management system is government staff by entering government audit back-stage management after logging in system by user,
Stay card using trace, authorization including data call trace, data, close rule audit, doubtful point analysis, query processing, statistical analysis etc.
Function.Data call trace function is mainly the detailed pass of the detailed log information that enterprise's government data is called and enterprise, bank
Join information, data are detailed log information and bank, enterprise customer of the platform when using government data using trace function
The detailed log information of government data is used on platform, it is that must completely retain the power of attorney of enterprise that card function is stayed in authorization
At any time it is government's test audit on platform, closes rule audit function mainly in conjunction with first three items information and government's progress whole process is provided
To the audit that data compliance uses, what doubtful point analytic function system was audited out according to preset audit regulation automatically is doubted
Like the non-data closing rule and using, the statistics and analysis of system is carried out；Querying processing function is the enterprise's government affairs proposed for enterprise
Data enterprise of problems and data are handled and are replied；Function of statistic analysis be to system credit information carry out year,
Season, monthly, day carry out statistics and analysis.
System data services system predominantly manages and access Intranet big data, government data, enterprises number
According to the standardized data service of the, information of water, electricity and gas data, bank data and the aspect of third party's data six, unified number is provided
According to service configuration, manage and maintain function.
System operation management module provides the functions such as the operation maintenance to system, including system column for system operation maintenance personnel
The management such as increase, modification, tax silver Website News information management service, the management service of system data interface, be pushed to silver
Capable data report Template Manager, affiliate's information management, financial product management, bank, tax user management and user's power
Limit management.
Medium and small micro- enterprise's credit system data source includes Intranet big data, government data, inside data of enterprise, water
The information of six aspect of electric data, bank data and third party's data,
Intranet data include enterprise operation data（Such as get the bid data, bid data, major project data, stock market information,
Product data etc.）, business risk information（Such as judgement document, announcement of court session, law court's bulletin, investment and financing information, movables mortgage letter
Breath）With enterprise's electric quotient data（Such as on-line shop of enterprise information, on-line shop's sales information）；Enterprise's government data is mainly according to each bank's gold
Melt the data requirements to enterprise of mechanism proposition, content includes that enterprise's industrial and commercial registration information, corporate tax credit data, enterprise receive
Tax data（Value-added tax, the consumption tax, enterprise income tax）, enterprise's tax reduction and exemption data, tax arrear data, financial statement etc., enterprise of office of people society
Industry is paid the multidisciplinary red-black list such as social security data, and industry and commerce, quality supervision, law court, traffic, reward punishment information and is performed
All kinds of government datas such as roster's information.The enterprise identity that inside data of enterprise is submitted when including enterprises registration user authenticates number
According to, business loan request for data and business licenses from the data in such as office of people society of Administration of State Bureau of Local Tax Bureau of government to bank when award
Weigh the information such as book；Enterprise's water, electricity and gas data include the public services such as city heat supply company, the water supply company and gas company palm
The enterprise water use held, electricity consumption, with destiny evidence；Enterprise bank data include the account information of enterprise, business transaction flowing water, enterprise's loan
The information such as money history, the report of enterprise's reference and corporate boss's credit histories；Enterprise's third party's data include certain connection, movement etc. certain
A little industrial agent's user data, such as the agential management data of connection, the management data and connection of mobile agent quotient, shifting
Dynamic enterprise's main information.Platform carries out data drawing by six class data sources and leads to, and integration and modeling are medium and small micro- enterprise's credit system
The data source support on basis is provided.
Medium and small micro- enterprise's credit system flow chart of data processing is：Loan application is carried out after enterprise's login system, in loan Shen
Please when need it is open to business data carry out system authorization to bank, system carries out the data of enterprise's various aspects after being connected to authorization
It extracts and integration, platform is verified according to the data of enterprise and the white list Knowledge Verification Model of bank product, verification passes through laggard
Enter authorization assessment, credit assessed enterprise credit scoring after, in conjunction with bank credit decision model and credit gold
Volume and credit rate measuring and calculating, finally after artificial audit decision, system automatically generated electronics loan agreement colleague will assessment
As a result enterprise is fed back to, enterprise signs electronics loan agreement after receiving feedback information, and bank can make loans feeds back with progress, makes loans
The user enters air control and early warning after loan after the completion.
The beneficial effects of the invention are as follows
System by integrate Intranet big data, government data, inside data of enterprise, water, electricity and gas data, bank data with
And the six comprehensive company information of aspect of third party's data, it is handled using big data, analysis is passed through with modeling technique reduction little Wei enterprise
Credit level, behavioural characteristic and risk are drawn a portrait in all directions for battalion, production, history credit standing and financing credit etc., help bank into
Row automation credit approval decisionmaking, interest rate pricing decision and line of credit decision, formed before borrowing, borrowed in, borrow after a whole set of wisdom wind
Prosecutor case, while by establishing cooperative mechanism, building co-operation platform, shared exchange information, innovation financing method, it increases credit and produces
Product creativity, final to realize that data are credible, efficiency is higher, and risk is controllable, and each side's credit and behavior are openly supervised, and has
Effect solves medium and small micro- business finance and services problem.
Detailed description of the invention
Fig. 1 is medium and small micro- enterprise's credit system data source schematic diagram；
Fig. 2 is medium and small micro- enterprise's credit system functional framework figure；
Fig. 3 is medium and small micro- enterprise's credit system flow chart.
Specific embodiment
More detailed elaboration is carried out to the contents of the present invention below：
Of the invention is expressed as follows：
Medium and small micro- enterprise's credit system data source includes Intranet big data, government data, inside data of enterprise, water, electricity and gas
The information of six aspect of data, bank data and third party's data, is shown in Fig. 1.
Intranet data include enterprise operation data（Such as get the bid data, bid data, major project data, stock market
Information, product data etc.）, business risk information（Such as judgement document, announcement of court session, law court's bulletin, investment and financing information, movable property matter
The information such as signature）With enterprise's electric quotient data（Such as on-line shop of enterprise information, on-line shop's sales information）；Enterprise's government data is mainly according to each
Bank finance mechanism propose the data requirements to enterprise, content include enterprise's industrial and commercial registration information, corporate tax credit data,
Corporate tax data（Value-added tax, the consumption tax, enterprise income tax）, enterprise's tax reduction and exemption data, tax arrear data, financial statement etc., people
She Ju enterprise pay the multidisciplinary red-black list such as social security data, and industry and commerce, quality supervision, law court, traffic, reward punishment information and
All kinds of government datas such as executed person list information.The enterprise identity that inside data of enterprise is submitted when including enterprises registration user
Authentication data, business loan request for data and business licenses are from the data in such as office of people society of Administration of State Bureau of Local Tax Bureau of government to bank
When the information such as the power of attorney；Enterprise's water, electricity and gas data include the public utilities such as city heat supply company, water supply company and gas company
Enterprise water use that unit is grasped, electricity consumption, with destiny evidence；Enterprise bank data include the account information of enterprise, business transaction flowing water,
The information such as business loan history, the report of enterprise's reference and corporate boss's credit histories；Enterprise's third party's data include certain connection, move
Certain industrial agent's user data such as dynamic, such as the agential management data of connection, the management data of mobile agent quotient, Yi Jilian
Logical, mobile enterprise's main information.Platform carries out data by six class data sources and draws logical, integration and modeling, for medium and small micro- enterprise's letter
Loan system provides the data source support on basis.
Medium and small micro- enterprise's credit system functional framework includes portal website, enterprise（It is personal）User's background management system, silver
Row background management system, government audit management system, data service system and the big module of system operation management system six, wherein looking forward to
Industry（It is personal）User's background management system, bank's background management system, government audit management system branch are enterprises（It is personal）With
The system that family, bank-user and government customer operate with, enterprise（It is personal）User be mainly used for identity verification, credit applications,
As a result it checks, bank-user is mainly used for credit examination & approval, application user's credit assessment etc., and government customer is mainly used for government
Data close the rule audit and supervision that use, to the statistics etc. of the amount of credit, see Fig. 2.
Portal website is the portal of medium and small micro- enterprise's credit system, be enterprise customer, government customer, bank-user enter after
The entrance of platform management.Portal website include homepage, I to provide a loan, notice of providing a loan, Domestic News, policies and regulations, registration log in and
Demand publication etc. functions, homepage be used to show, promotional system, I to provide a loan mainly presents each bank loan financial product letter
Breath, for user select loan product information and carry out loan application, loan notice be enterprise customer present loan process,
The functions such as points for attention, FAQs, Domestic News are that user is in the relevant Domestic News information such as present government, bank, loan,
Policies and regulations are the publicity of the laws and regulations in terms of medium and small micro- country of enterprise, local loan policy and credit is presented in user, note
Volume logs on as enterprise and provides register account number, identity authentication function and provide user to carry out login function, has logged in rear system according to
The user identity of login automatically switches to corresponding individual center, and demand is issued as enterprise（It is personal）User provides financing needs letter
Cease issuing function, it is possible to specify single user also can specify multiple banks.
Enterprise（It is personal）User's background management system is that enterprise passes through in Entry Firm individual after user's login tax system
The heart carries out business handling, including to enterprise itself portrait the checking of information, query, submit loan Shen to data
Please, it records a demerit loan examination & approval and checks, loan progress queries, the inquiry of business loan historical information and enterprise customer's personal information are tieed up
The functions such as shield.
Bank's background management system is bank clerk by entering bank individual center after logging in system by user, mainly
Service have corporate client management, loan examination & approval, bank-user management, Shen borrow corporation information query, client assign, report download,
The management of product, entry criteria management, primary condition management, black and white lists management, forewarning management, approval results feedback, examination & approval are gone through
The Records of the Historian record, etc. functions.Report one product of management function a corresponding data report template, report template is managed, reports
Format, field are corresponding with bank's built-in system；Authorized agreement management function includes that government data business licenses, personal authorization etc. are fixed
The functions such as justice and setting, management；It includes government data access that government data, which accesses, automatically generates reporting modules function, and correspondence is pressed
Field data filling, including encapsulation government data service, enterprise's government data report generation, financial product report are carried out according to report
The functions such as generation, export, downloading, printing.Suitable enterprise product function is judged automatically according to basic condition, entry criteria, platform
It extracts relevant governmental data and judges automatically the credit product of suitable corporate client, and be born from the dynamic pre- credit amount of money of calculating；It is pre- after loan
Alert function includes to early warning, setting rank, real-time early warning after the loan in terms of the corporate client progress government data after successfully providing a loan.
Combined pre-warning function includes the data inside the data of government and bank being set up combined pre-warning mechanism, including warning index is set
It sets, implement the functions such as early warning.
Government audit management system is government staff by entering government audit back-stage management after logging in system by user,
Stay card using trace, authorization including data call trace, data, close rule audit, doubtful point analysis, query processing, statistical analysis etc.
Function.Data call trace function is mainly the detailed pass of the detailed log information that enterprise's government data is called and enterprise, bank
Join information, data are detailed log information and bank, enterprise customer of the platform when using government data using trace function
The detailed log information of government data is used on platform, it is that must completely retain the power of attorney of enterprise that card function is stayed in authorization
At any time it is government's test audit on platform, closes rule audit function mainly in conjunction with first three items information and government's progress whole process is provided
To the audit that data compliance uses, what doubtful point analytic function system was audited out according to preset audit regulation automatically is doubted
Like the non-data closing rule and using, the statistics and analysis of system is carried out；Querying processing function is the enterprise's government affairs proposed for enterprise
Data enterprise of problems and data are handled and are replied；Function of statistic analysis be to system credit information carry out year,
Season, monthly, day carry out statistics and analysis.
System data services system predominantly manages and access Intranet big data, government data, enterprises number
According to the standardized data service of the, information of water, electricity and gas data, bank data and the aspect of third party's data six, unified number is provided
According to service configuration, manage and maintain function.
System operation management module provides the functions such as the operation maintenance to system, including system column for system operation maintenance personnel
The management such as increase, modification, tax silver Website News information management service, the management service of system data interface, be pushed to silver
Capable data report Template Manager, affiliate's information management, financial product management, bank, tax user management and user's power
Limit management.
Medium and small micro- enterprise's credit system flow chart of data processing such as Fig. 3 carries out loan application after enterprise's login system, is providing a loan
Needed when application it is open to business data carry out system authorization to bank, system be connected to after authorization to the data of enterprise's various aspects into
Row extracts and integration, and platform is verified according to the data of enterprise and the white list Knowledge Verification Model of bank product, after verification passes through
Into authorization assess, credit assessed enterprise credit scoring after, in conjunction with bank credit decision model and credit
The amount of money and credit rate measuring and calculating, finally after artificial audit decision, system automatically generated electronics loan agreement colleague will be commented
Estimate result and feed back to enterprise, enterprise signs electronics loan agreement after receiving feedback information, and bank can make loans feeds back with progress, puts
The user enters air control and early warning after loan after the completion of loan.
Claims (6)
1. a kind of medium and small micro- enterprise's credit system, which is characterized in that
It mainly include portal website, user's background management system, bank's background management system, government audit management system, data
Service system and the big module of system operation management system six, wherein
Portal website is the portal of medium and small micro- enterprise's credit system, is that enterprise customer, government customer, bank-user enter backstage and manage
The entrance of reason；
User's background management system is that Entry Firm individual center carries out business handling after enterprise logs in tax system by user,
Including to enterprise itself portrait the checking of information, query, submit loan application, record a demerit loan examination & approval to data
It checks, to loan progress queries, the inquiry of business loan historical information and enterprise customer's personal information maintenance function；
Bank's background management system is bank clerk by entering bank individual center, main services after logging in system by user
There are corporate client management, loan examination & approval, bank-user management, Shen to borrow corporation information query, client's assignment, report downloading, product
Management, entry criteria management, primary condition management, black and white lists management, forewarning management, approval results feedback, examination & approval history note
Record, authorized agreement management, government data access, automatically generates early warning, combined pre-warning function after reporting modules, loan at report management；
Government audit management system is government staff by entering government audit back-stage management after logging in system by user, including
Data call trace, data stay card using trace, authorization, close rule audit, doubtful point analysis, query processing, function of statistic analysis；
System data services system predominantly manages and access Intranet big data, government data, inside data of enterprise, water
The standardized data service of the information of six aspect of electric data, bank data and third party's data, provides unified data clothes
Business configuration manages and maintains function；
System operation management module provides the operation maintenance function to system for system operation maintenance personnel, including system bar purpose increases
Add, modify etc. management, tax silver Website News information management service, the management service of system data interface, be pushed to bank
Data report Template Manager, affiliate's information management, financial product management, bank, tax user management and user right pipe
Reason.
2. system according to claim 1, which is characterized in that
Portal website include homepage, I to provide a loan, notice of providing a loan, Domestic News, policies and regulations, registration log in and demand publication function
Can, homepage be used to show, promotional system, I to provide a loan mainly presents each bank loan financial product information, for user choosing
It selects the product information of loan and carries out loan application, loan notice is the process, points for attention, common that loan is presented in enterprise customer
Problem function, Domestic News are user in relevant Domestic News information, policies and regulations such as present government, bank, loans for user
The publicity of the laws and regulations in terms of medium and small country of micro- enterprise, local loan policy and credit is presented, registration logs on as enterprise and mentions
For register account number, identity authentication function and user's progress login function is provided, has logged in rear system according to the user identity of login
Corresponding individual center is automatically switched to, demand is issued as user and provides financing needs information issuing function, specifies single user
Also it can specify more than one bank.
3. system according to claim 1, which is characterized in that
Again in bank's background management system,
Report management function is the corresponding data report template of a product, and report template is managed, reporting format, field
It is corresponding with bank's built-in system；
Authorized agreement management function includes government data business licenses, personal Authorization definition and setting, management function；
It includes government data access that government data, which accesses, automatically generates reporting modules function, corresponding to carry out Field Count according to report
According to filling, including encapsulation government data service, enterprise's government data report generation, financial product report generation, export, downloading,
Printing function；It judges automatically suitable enterprise product function and relevant governmental data is extracted certainly according to basic condition, entry criteria, platform
The dynamic credit product for judging to be suitble to corporate client, and it is born from the dynamic pre- credit amount of money of calculating；
Warning function includes early warning, setting grade after the loan in terms of carrying out government data to the corporate client after successfully providing a loan after loan
Not, real-time early warning；
Combined pre-warning function includes the data inside the data of government and bank being set up combined pre-warning mechanism, including early warning refers to
Warning function is implemented in mark setting.
4. system according to claim 1, which is characterized in that
In government audit management system,
Data call trace function is mainly the detailed association of the detailed log information that enterprise's government data is called and enterprise, bank
Information,
Data are that detailed log information and bank, enterprise customer of the platform when using government data exist using trace function
The detailed log information of government data is used on platform,
Authorization stay card function be the power of attorney of enterprise must be completely retained on platform at any time be government's test audit,
It closes rule audit function and provides government's audit that progress whole process uses data compliance mainly in conjunction with first three items information,
The doubtful non-data closing rule and using that doubtful point analytic function system is audited out according to preset audit regulation automatically,
The statistics and analysis of carry out system；
Querying processing function is that the enterprise's government data enterprise of problems proposed for enterprise and data are handled and returned
It is multiple；
Function of statistic analysis is to carry out year to system credit information, season, monthly, day carry out statistics and analysis.
5. system according to claim 1, which is characterized in that
The data source of system includes Intranet big data, government data, inside data of enterprise, water, electricity and gas data, bank's number
Accordingly and the information of the aspect of third party's data six, wherein
Intranet data include enterprise operation data, business risk information and enterprise's electric quotient data；
The data requirements to enterprise that enterprise's government data is mainly proposed according to each bank finance mechanism, content include enterprise's industry and commerce
Register information, corporate tax credit data, corporate tax data, enterprise's tax reduction and exemption data, tax arrear data, financial statement, Ren She
Enterprise of office pays social security data, and industry and commerce, quality supervision, law court, the red-black list of traffic department, reward are punished information and is performed
The government data of roster's information；
Enterprise identity authentication data that inside data of enterprise is submitted when including enterprises registration user, business loan request for data and
Business licenses from government for example society of people from Administration of State Bureau of Local Tax Bureau office data to bank when power of attorney information；
Enterprise's water, electricity and gas data include the enterprise that the public services such as city heat supply company, water supply company and gas company are grasped
With water, electricity consumption, with destiny evidence；Enterprise bank data include the account information of enterprise, business transaction flowing water, business loan history,
The report of enterprise's reference and corporate boss's credit histories information；
Industry agent user data of enterprise's third party's data including certain connection, movement；
Platform carries out data drawing by the above six classes data source and leads to, and integration and modeling provide base for medium and small micro- enterprise's credit system
The data source of plinth supports.
6. system according to claim 5, which is characterized in that
Flow chart of data processing is：
Loan application is carried out after enterprise's login system, is needed to open business data in loan application and be awarded to bank's progress system
Power, system are extracted and are integrated to the data of enterprise's various aspects after being connected to authorization, and platform is produced according to the data of enterprise and bank
The white list Knowledge Verification Model of product is verified, and verification enters authorization assessment after passing through, after the credit scoring of enterprise has been assessed in credit,
In conjunction with bank credit decision model and credit amount and credit rate calculate, finally pass through artificial audit decision
Afterwards, assessment result is fed back to enterprise by system automatically generated electronics loan agreement colleague, and enterprise signs electricity after receiving feedback information
Sub- loan agreement, bank can make loans feeds back with progress, and the user enters air control and early warning after loan after the completion of lending.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| CN109754157A (en) * | 2018-11-30 | 2019-05-14 | 畅捷通信息技术股份有限公司 | A kind of methods of marking and system for reflecting enterprise's health management, financing and increasing letter |
| CN110189222A (en) * | 2019-06-06 | 2019-08-30 | 广东企数标普互联网信息服务有限公司 | A kind of financing credit management method and apparatus |
| CN110210962A (en) * | 2019-05-23 | 2019-09-06 | 成都高投盈创动力投资发展有限公司 | A kind of one-stop investment and financing information service platform towards medium-sized and small enterprises |
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| CN111047432A (en) * | 2019-12-11 | 2020-04-21 | 中国铁路网络有限公司 | Method and device for realizing loan of small and micro enterprises |
| CN111061792A (en) * | 2019-12-16 | 2020-04-24 | 杭州城市大数据运营有限公司 | Financial service management system |
| CN111104451A (en) * | 2019-12-30 | 2020-05-05 | 中国银行股份有限公司 | Data processing method and system |
| CN111369340A (en) * | 2020-03-04 | 2020-07-03 | 易信(厦门)信用服务技术有限公司 | Credit assessment credit granting method based on big data |
| CN111402039A (en) * | 2020-06-08 | 2020-07-10 | 杭州连银科技有限公司 | Credit customer registration management system |
| CN111415067A (en) * | 2019-12-30 | 2020-07-14 | 北京澎湃信用管理有限公司 | Enterprise and personal credit rating system |
| CN111461857A (en) * | 2020-03-03 | 2020-07-28 | 福建省农村信用社联合社 | Personal online credit method, device, system, equipment and medium for small and medium-sized banks |
| CN111489134A (en) * | 2020-04-13 | 2020-08-04 | 深圳前海微众银行股份有限公司 | Data model construction method, device, equipment and computer readable storage medium |
| CN111967980A (en) * | 2020-09-02 | 2020-11-20 | 上海积成能源科技有限公司 | System and method for bank credit analysis by adopting maximum entropy model based on enterprise financial and newspaper and energy consumption data |
| CN112132678A (en) * | 2020-09-30 | 2020-12-25 | 南京龙戈软件科技有限公司 | Guarantee credit technology management platform and implementation method thereof |
| CN112184462A (en) * | 2020-11-10 | 2021-01-05 | 天元大数据信用管理有限公司 | Method for realizing Internet financial intelligent financing |
| CN112232871A (en) * | 2020-10-15 | 2021-01-15 | 赣南师范大学 | Differentiated loan interest rate pricing system and method |
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| CN112330436A (en) * | 2020-09-30 | 2021-02-05 | 威智荟智能科技有限公司 | Financing management method based on medium and small enterprise financing credit system |
| CN112541706A (en) * | 2020-12-24 | 2021-03-23 | 四川享宇金信金融科技有限公司 | Big data wind control model construction method |
| CN112651877A (en) * | 2021-01-20 | 2021-04-13 | 天元大数据信用管理有限公司 | Design method of financial comprehensive service platform and financial comprehensive service platform |
| CN112750044A (en) * | 2021-01-21 | 2021-05-04 | 天元大数据信用管理有限公司 | System and method for realizing risk compensation fund management based on micro-service |
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| CN113643120A (en) * | 2021-08-04 | 2021-11-12 | 上海灏领科技集团有限公司 | Credit incoming part online examination and approval wind control system |
| CN113689284A (en) * | 2021-08-05 | 2021-11-23 | 湖南三湘银行股份有限公司 | Credit management system and method based on big data wind control and behavior analysis |
| CN113706288A (en) * | 2021-08-26 | 2021-11-26 | 中国工商银行股份有限公司 | Financing application admission determining method and device |
| TWI749980B (en) * | 2020-12-31 | 2021-12-11 | 彰化商業銀行股份有限公司 | Loan application system for adjusting approved loan amount based on additional investment willingness and method thereof |
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| CN113870006A (en) * | 2021-09-26 | 2021-12-31 | 天元大数据信用管理有限公司 | Method and system for realizing main data sharing application |
| CN113887987A (en) * | 2021-10-15 | 2022-01-04 | 重庆葵海数字科技有限公司 | Enterprise operation risk assessment method |
| CN116862661A (en) * | 2023-07-20 | 2023-10-10 | 苏银凯基消费金融有限公司 | Digital credit approval and risk monitoring system based on consumption financial scene |
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| CN109754157A (en) * | 2018-11-30 | 2019-05-14 | 畅捷通信息技术股份有限公司 | A kind of methods of marking and system for reflecting enterprise's health management, financing and increasing letter |
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| CN110390590A (en) * | 2019-07-29 | 2019-10-29 | 曹洪 | A kind of network-based financing by credit big data air control management method |
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| CN111415067A (en) * | 2019-12-30 | 2020-07-14 | 北京澎湃信用管理有限公司 | Enterprise and personal credit rating system |
| CN111461857A (en) * | 2020-03-03 | 2020-07-28 | 福建省农村信用社联合社 | Personal online credit method, device, system, equipment and medium for small and medium-sized banks |
| CN111369340A (en) * | 2020-03-04 | 2020-07-03 | 易信(厦门)信用服务技术有限公司 | Credit assessment credit granting method based on big data |
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| CN111402039B (en) * | 2020-06-08 | 2020-09-15 | 杭州连银科技有限公司 | Credit customer registration management system |
| CN111967980A (en) * | 2020-09-02 | 2020-11-20 | 上海积成能源科技有限公司 | System and method for bank credit analysis by adopting maximum entropy model based on enterprise financial and newspaper and energy consumption data |
| CN112330436A (en) * | 2020-09-30 | 2021-02-05 | 威智荟智能科技有限公司 | Financing management method based on medium and small enterprise financing credit system |
| CN112132678A (en) * | 2020-09-30 | 2020-12-25 | 南京龙戈软件科技有限公司 | Guarantee credit technology management platform and implementation method thereof |
| CN112232871A (en) * | 2020-10-15 | 2021-01-15 | 赣南师范大学 | Differentiated loan interest rate pricing system and method |
| CN112232871B (en) * | 2020-10-15 | 2023-06-06 | 赣南师范大学 | Differentiated loan interest rate pricing system and method |
| CN112232946A (en) * | 2020-10-20 | 2021-01-15 | 浪潮云信息技术股份公司 | Business application system for small and micro enterprises |
| CN112308700A (en) * | 2020-10-22 | 2021-02-02 | 北京通付盾人工智能技术有限公司 | Method and device for processing enterprise credit investigation data, computer equipment and storage medium |
| CN112184462A (en) * | 2020-11-10 | 2021-01-05 | 天元大数据信用管理有限公司 | Method for realizing Internet financial intelligent financing |
| CN112330062A (en) * | 2020-11-26 | 2021-02-05 | 北京航天智造科技发展有限公司 | Enterprise production running state supervision and early warning system based on electricity, water and gas consumption |
| CN112541706A (en) * | 2020-12-24 | 2021-03-23 | 四川享宇金信金融科技有限公司 | Big data wind control model construction method |
| TWI749980B (en) * | 2020-12-31 | 2021-12-11 | 彰化商業銀行股份有限公司 | Loan application system for adjusting approved loan amount based on additional investment willingness and method thereof |
| CN112651877A (en) * | 2021-01-20 | 2021-04-13 | 天元大数据信用管理有限公司 | Design method of financial comprehensive service platform and financial comprehensive service platform |
| CN112750044A (en) * | 2021-01-21 | 2021-05-04 | 天元大数据信用管理有限公司 | System and method for realizing risk compensation fund management based on micro-service |
| CN113240224A (en) * | 2021-02-05 | 2021-08-10 | 山东齐信数据服务有限公司 | Method and system for evaluating performance capability of government procurement |
| CN112750061A (en) * | 2021-03-02 | 2021-05-04 | 深圳市爱云信息科技有限公司 | Intelligent supply chain digital brain platform |
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| CN113643120A (en) * | 2021-08-04 | 2021-11-12 | 上海灏领科技集团有限公司 | Credit incoming part online examination and approval wind control system |
| CN113689284A (en) * | 2021-08-05 | 2021-11-23 | 湖南三湘银行股份有限公司 | Credit management system and method based on big data wind control and behavior analysis |
| CN113689284B (en) * | 2021-08-05 | 2023-11-03 | 湖南三湘银行股份有限公司 | Credit management system and method based on big data wind control and behavior analysis |
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| CN113706288A (en) * | 2021-08-26 | 2021-11-26 | 中国工商银行股份有限公司 | Financing application admission determining method and device |
| CN113822542A (en) * | 2021-08-30 | 2021-12-21 | 天元大数据信用管理有限公司 | Enterprise credit investigation platform construction method based on government affair big data |
| CN113870006A (en) * | 2021-09-26 | 2021-12-31 | 天元大数据信用管理有限公司 | Method and system for realizing main data sharing application |
| CN113887987A (en) * | 2021-10-15 | 2022-01-04 | 重庆葵海数字科技有限公司 | Enterprise operation risk assessment method |
| CN116862661A (en) * | 2023-07-20 | 2023-10-10 | 苏银凯基消费金融有限公司 | Digital credit approval and risk monitoring system based on consumption financial scene |
| CN116862661B (en) * | 2023-07-20 | 2024-04-26 | 苏银凯基消费金融有限公司 | Digital credit approval and risk monitoring system based on consumption financial scene |
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