CN109146676A - The medium and small micro- credit risk real-time monitoring system of one kind and method - Google Patents
The medium and small micro- credit risk real-time monitoring system of one kind and method Download PDFInfo
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Abstract
The present invention provides a kind of medium and small micro- credit risk real-time monitoring system and methods, medium and small micro- credit risk real-time monitoring system includes: to acquire in real time without intrusive energy data and communication module, it is deployed in each bank in small micro- loan customer production and operation place distribution box and/or key equipment, acquires the power information of the production and operation place and/or key equipment in real time；Electric power data polymerization analysis module can receive the power information acquired in real time without intrusive energy data and communication module acquires, and carry out conversion and isomeric data classification storage to the power information；Credit risk management module before borrowing, can the data according to provided by the electric power data polymerization analysis module, credit risk management information needed and accrediting amount guidance amount before loan are provided；Risk real-time monitoring module after loan, can the data according to provided by the electric power data polymerization analysis module, risk monitoring and control and warning information are provided in each stage that risk is formed after loan.
Description
Technical field
The present invention relates to a kind of medium and small micro- credit risk real-time monitoring system and methods, especially a kind of to be based on non-intrusion type
The medium and small micro code risk real-time monitoring system and method for power energy monitoring and controlling technology.
Background technique
As the continuous development of China's macroeconomic level and the relevant policies of support entity economy are put into effect, medium and small micro- enterprise
Have become the indispensable strength of socio-economic development.It is very big that medium and small micro- enterprise occupies the market share, have initiative spirit but
Itself weak, mostly in starting an undertaking or developing stage, credit appraisal are influenced by financial situation so that the problem of financing difficulty
It is widely present.China is very big for the resolution for supporting and encourageing medium and small micro- enterprise development, it is appreciated that development medium and small micro- enterprise is
Economic new kinetic energy and the potential important source for increasing power are cultivated, especially medium and small micro- enterprise is pushing economic growth, promoting employment, swashing
Autonomous innovation etc. important role is sent out, therefore supports financial institution to expand the availability of credit of little Wei enterprise energetically.Rapid growth
Little Wei enterprise availability of credit amount, the credit appraisal and credit histories that medium and small micro- enterprise lacks, be financial institution credit risk
Management brings new challenge.
In traditional medium and small micro- loan customer risk management processes of finance, inspection and monthly operation after the main loan by season
Check, electricity urges the modes such as visiting abroad, wanted by carrying out quarterly customary risk management after three big financial table analysis, and by each management
It is checked after asking the different energy consumption lists for collecting loan customer last month to be borrowed through battalion.Medium and small micro- client geographic location dispersion, industry
Distribution dispersion, management body multiplicity, need periodically to visit by customer manager.Small micro- customer venture management process in traditional bank
In, client's production and operation and other noncommercial category informations relatively lag behind, and cause bank that can not carry out the preposition management of risk；It is medium and small micro-
Client geographic location dispersion, it is difficult to be managed concentratedly in real time；Medium and small micro- client's industry type is numerous, lacks corresponding data and carries out
Lateral comparison, userbase is totally different, lacks quantization and compares foundation.The main production equipment supervision degree of client is not strong, financial industry
Personal identification degree is very low.
The Chinese invention patent of Patent No. 201710848318.9 is compared by the address information of credit information people and is obtained
Possibility is cheated, but risk cannot be monitored in real time.
The Chinese invention patent of Patent No. 201410133191.9 passes through the service interactions terminals such as integratedy chain data
Mode carry out risk assessment, but the technical solution cannot equally monitor risk in real time.
Summary of the invention
The purpose of the present invention is to provide one kind by obtain loan customer energy information in real time to production and management and
Loan repayment capacity is assessed, before with real-time and more perfect loan, risk monitoring and control system and method after borrowing.
Technical scheme is as follows.
The present invention provides a kind of medium and small micro- credit risk real-time monitoring systems, including
No intrusive energy data acquires in real time and communication module, is deployed in small micro- loan customer production and operation in each bank
In place distribution box and/or key equipment, the power information of the production and operation place and/or key equipment is acquired in real time；
Electric power data polymerization analysis module, can receive it is described acquired in real time without intrusive energy data and communication module acquisition
The power information, and to the power information carry out conversion and isomeric data classification storage；
Credit risk management module before borrowing, can the data according to provided by the electric power data polymerization analysis module, before loan is provided
Credit risk management information needed and accrediting amount guidance amount；
Risk real-time monitoring module after loan, can the data according to provided by the electric power data polymerization analysis module, borrowing
Monitoring information is provided in each stage that risk is formed afterwards.
Preferably, described to be acquired in real time without intrusive energy data and communication module includes:
Electric energy chip can obtain energy information in real time, and the energy information calculation processing is obtained the power information；
The characteristics of frequency conversion uploads control unit, can regard energy information, controls the upload of the power information；
Edge calculations unit carries out simple real time data by physical layer fringe node before by the transmission of real-time power information data
Processing is reduced and is acquired in real time without intrusive energy data and communication module is to the electric power data polymerization analysis module from described
Data traffic；
The power information can be uploaded to the electric power data polymerization analysis module by communication unit.
Preferably, the energy information includes real-time current signal and real-time voltage signal.
Preferably, the communication unit selection GPRS networking mode or LAN networking mode.
Preferably, the power information includes real-time current, voltage and power consumption situation.
Preferably, the electric power data polymerization analysis module is believed each level electric power by online big data digging tool
Breath is converted into small micro- client's real time energy consumption monitoring, operation situation real time monitoring, operation abnormal monitoring information in bank, and combines and dig
Isomeric data classification storage is carried out after digging noncommercial category information disclosed in other networks.
Preferably, further include alarm module, can before loan credit risk management module and/or borrow after risk monitor in real time mould
When occurring medium and small micro- production and operation abnormal conditions in block, alarm is issued to bank or financial institution risk management and control personnel immediately.
Preferably, the alarm module issues alarm by way of short message and/or Email.
Preferably, further include medium and small micro- customers' credit database module, be able to record and polymerize each medium and small micro- client
Loan before information and warning information after information, loan, polymerization formed each new and old medium and small micro- client completely real-time production and operation energy consumption,
The year-on-year ring of history production and operation energy consumption is than record, the history accrediting amount, history refund record, history alarm information and processing information
Synthesis credit database.
The present invention also provides a kind of medium and small micro- credit risk method for real-time monitoring, comprising the following steps:
Step S1, will acquire in real time without intrusive energy data and communication module is deployed in small micro- loan customer life in each bank
Produce management place and/or key equipment；
Step S2, acquires the power information of the production and operation place and/or key equipment in real time, and is uploaded in real time for carrying out
Electric power data polymerization analysis；
It is real to convert small micro- client in bank for each level real-time electric power information by online big data digging tool by step S3
When energy consumption monitoring, operation situation real time monitoring, operation abnormal monitoring information, and combine excavate other networks disclosed in it is noncommercial
Isomeric data classification storage is carried out after category information；
Step S4, according to the production and operation account of the history of each medium and small micro- enterprise and its ranking in relevant industries, based on big
Data model increases credit evaluation mode, provides the preceding credit risk management information needed of loan and credit volume for finance and air control department of bank
Spend guidance amount；
Step S5 provides Real time visible in each stage of risk formation after loan according to for bank or air control department of financial institution
Change monitoring information.
By above technical scheme, the present invention directly passes through the real-time production and management for obtaining loan customer, establishes
Credit accumulates Risk-warning mechanism after data, and loan before borrowing in real time, directly right in real time by obtaining loan customer energy information
Production and management and loan repayment capacity are assessed.Meanwhile the present invention in system and method data source be real time data and
For actual physical amount, it is difficult to fake.
Detailed description of the invention
Fig. 1 is medium and small micro- credit risk real-time monitoring system structural schematic diagram of the invention.
Fig. 2 is acquiring in real time in Fig. 1 without intrusive energy data and communication module structural schematic diagram.
Fig. 3 is the electric power data polymerization analysis module architectures schematic diagram in Fig. 1.
Fig. 4 is medium and small micro- credit risk method for real-time monitoring flow chart of the invention.
Specific embodiment
Below with reference to specific embodiment, the present invention is described further.
Embodiment 1
As shown in Fig. 1, medium and small micro- credit risk real-time monitoring system in the present invention, mainly by following 6 functional module groups
At: credit risk management module before no intrusive energy data acquires in real time and communication module 1, electric power data polymerization analysis module 3, loan
4, risk real-time monitoring module 5, alarm module 6 and medium and small micro- customers' credit database module 7 after borrowing.
No intrusive energy data acquires in real time and communication module 1 is deployed in small micro- loan customer production warp in each bank
Seek place (office, workshop, producing line, core equipment and the storage of production and processing class client；The Dan Dian of commerce services class client, connect
It locks a door shop, storage and key equipment etc.；Office, storage, exhibition room of trade flows class client etc. formulate place) in distribution box, it is real
When acquire the electric current, voltage and power consumption situation in its production and operation place.
No intrusive energy data acquires in real time and communication module 1 passes through the networking modes such as wireless network 2 for medium and small micro- visitor
The power information at family is uploaded to electric power data polymerization analysis module 3 in real time.
In a preferred embodiment, no intrusive energy data acquires in real time and communication module 1 is by as shown in Figure 2
Several formant compositions.Electric energy chip by current transformer and voltage signal real-time transmission to electric energy chip unit, believe by electric energy
After breath is by electric energy chip calculation processing, control unit is uploaded by frequency conversion, the characteristics of depending on energy information, through edge calculations unit into
After row real time data calculation processing, electric power data polymerization analysis module is uploaded to by communication unit.Frequency conversion uploads control unit
Effect be reduce data transmission quantity, user load stablize when selection low frequency acquire upload mode, in user load
Quickly selection high-frequency acquires upload mode when variation.The effect of edge calculations unit is to transmit real-time power information data
It is preceding that simple real time data processing is carried out by physical layer fringe node, it is further reduced and acquires and communicate in real time mould from energy data
Data traffic of the block to electric power data polymerization analysis module；GPRS networking mode and LAN networking mode etc. may be selected in communication unit
A variety of networking modes.
In a preferred embodiment, no intrusive energy data acquires in real time and the mounting means of communication module 1 is
It is installed without intrusive mood, does not change original line construction of user's distribution box or equipment.Real-time current signal passes through contactless electricity
Current transformer obtains three-phase alternating current current signal, and real-time voltage signal is connected to any air switch of distribution box by wiring
Middle acquisition three-phase alternating current voltage signal.
Electric power data polymerization analysis module 3 is by the online big data digging tool such as electric power data excavation, by each level electricity
Force information is converted into the information such as small micro- client's real time energy consumption monitoring, operation situation real time monitoring, operation abnormal monitoring in bank, and
The noncommercial category information (dispute, lawsuit, judgement, illegal etc.) in conjunction with disclosed in other networks of excavation carries out isomeric data classification afterwards and deposits
Storage.
In a preferred embodiment, electric power data polymerization analysis module 3 passes through the big data analysis works such as data mining
Tool, after integrating to structural data, carries out tissue and storage, after being integrated to unstructured electric power data, structuring
Processing is structural data.By structuring electric power data analysis processing after, be converted into realtime running condition monitoring etc. be bank or
Air control department of financial institution provides real-time visual monitoring information in each stage that risk is formed after loan.It is analyzed by calculating
The energy consumption of practical borrower uses and historical trend reflects client's production and operation situation in real time and analyzes practical borrower's refund energy
Power and refund wish.Electric power data polymerization analysis module is realized in fact by the way that power information analysis module is deployed in cloud server
Shi Yunying condition monitoring is simultaneously sent to credit risk management module before loan after borrowing before borrowing and after sale risk is real-time after risk information polymerization
Monitoring module.
In an illustrative embodiment, by acquired in real time without intrusive energy data and communication module acquisition it is medium and small
After the real-time power information of micro- loan customer is uploaded to electric power data polymerization analysis module 3, some electrical power information can be by following
Mode is converted into realtime running condition monitoring information, as shown in Figure 3.
Step 3.1, the structuring processing of the real-time power information of medium and small micro- loan customer.When real-time power information is added
Between after label, using the distribution probability statistical tool in big data analysis, by characteristic time section extreme value, average value, intermediate value,
25 fractiles, 75 fractiles etc. are calculated and Coutinuous store of classifying.Characteristic time section therein can be hour, work
Any selection of day, weekend, week, the moon, season, year.
Step 3.2, alarm triggered judges.It is medium and small micro- while real time data carries out taxonomic structureization processing calculating storage
The real-time power information of loan customer is carried out by a series of internal algorithms and the statistical data of characteristic time segment structure database
Compare, in conjunction with the threshold value of air control Department formation, compare situation in real time by real data, chooses whether triggering alarm.For example, certain is used
The real-time electricity consumption and/or power at family are lower than same period timesharing historical average evidence, then trigger alarm, aweather control administrative staff and issue
Medium and small micro- loan customer runs abnormality alarming.The time scale of timesharing historical average evidence therein can be hour, day, Zhou Huo
Any selection of the moon.
Step 3.3, normal electricity consumption model extraction and storage.Real-time electricity consumption by wavelet analysis to medium and small micro- loan customer
Information carries out time and frequency domain analysis and it is classified and stored with electrical feature time domain and frequency domain by wavelet transform,
It is identified by neuroid, in conjunction with information such as the user power utilization feature time domain and characteristic frequency domains, it is normal that the user is extracted in training
With electric model, normal electricity consumption characteristic attribute parameter and its incident characteristic parameter and carry out classification storage, be stored in user
In normal electricity consumption model and electricity consumption characteristic attribute database.User's normal electricity consumption characteristic attribute includes but is not limited to daily just common
Electric duration and period, key equipment steady-state operation duration and period, put down day at key equipment start and stop instantaneous power amplitude Characteristics
Pause duration, per day pause number, the fluctuation of pause duration, power factor characteristic value in working hour etc..
Step 3.4, the confirmation after noting abnormalities.The real-time power information of user and same period timesharing history are found in step 3.2
When average data is abnormal, system will further compare user's normal electricity consumption model and its each feature category of normal electricity consumption respectively
Property, confirm medium and small micro- loan customer electricity consumption whether normally to determine its production and operation situation, and it is normal according to timesharing different levels
Electricity consumption characteristic attribute issues normal production and operation judgement or abnormality alarming after hierarchical confirmation.User's normal electricity consumption characteristic attribute
Comparison, improve the accuracy judged by electric power data production and operation situation, and further eliminate client in electricity consumption
The possibility that Shi Jinhang malice is faked.
Step 3.5, training sample addition and neural network model amendment.Operating condition is normal and warning information issues
Afterwards, system combination air control administrative staff visit feedback, will confirm that and supplemental information returns and is added to neuroid identification
Algorithm adds new training sample and dynamic corrections neural network model, generated each characteristic attribute of new normal electricity consumption
It will be added in user's normal electricity consumption model and electricity consumption characteristic attribute database.
In addition, the algorithm of foregoing description and judge structure all customer electricity information in system are analyzed simultaneously,
Storage, judgement and alarm.
The production that credit risk management module 4 passes through each medium and small micro- enterprise provided by electric power data polymerization analysis module before borrowing
Account of the history is managed, such as on year-on-year basis, ring ratio and its ranking in relevant industries, is increased based on big data model of the invention
Add credit evaluation mode, provide the preceding credit risk management information needed of loan and accrediting amount guidance amount for finance and air control department of bank,
Credit risk management and risk management before quantization is borrowed.For meeting medium and small micro- enterprise of the terms of loan, credit risk management module will be mentioned before borrowing
Show that financial institution's active transmission invites information, new client's application is rapidly completed or continuous borrow of frequent customer is applied.
Risk real-time monitoring module 5 is bank or air control department of financial institution each stage that risk is formed after loan after loan
Middle offer real-time visual monitoring information.Risk status under normal circumstances, practical borrower's refund wish is normal, practical to borrow money
The energy consumption of people is increased using normal and growths that tend towards stability, principal products of business goods entry, stock and sales, and when employee class increases, business income increase etc.
Acquired in real time Deng, no intrusive energy data and the energy consumption data of communication module acquisition will objective real-time reflection client produce
Traffic-operating period.Under risk status situation of change, practical borrower's loan repayment capacity and wish change a lot, production and operation
Place energy consumption using continue to decline, principal products of business inventory increase, employee class when reduce, business income reduce etc., no intrusive mood
Energy data acquires in real time and the energy consumption data of communication module acquisition will objective real-time reflection energy consumption down ratio and calibration
The changing value of reason condition.Under risk status deterioration, practical borrower's loan repayment capacity loses or some lost, refund wish
Formed it is actual fall through, the energy consumption use of production and operation place tend to staged glide or discontinuously, or even stop, principal products of business produce
Pin stops, employee's recruitment reduce, business income stagnate etc., no intrusive energy data acquire in real time and communication module acquire
Energy consumption data will objectively respond energy consumption stagnation.
There are medium and small micro- production and operation abnormal conditions in credit risk management module 4 and risk real-time monitoring module 5 after loan before borrowing
When, energy consumption continuously declines, persistently stops work without production energy consumption, emphasis equipment and key equipment, and alarm module 6 will be by short
The modes such as letter, mail issue alarm to bank or financial institution risk management and control personnel, and related personnel is prompted to intervene and manage,
Achieve the purpose that the preposition management of risk.
In a preferred embodiment, bank and air control department of financial institution can be according to the operations of practical medium and small micro- client
Situation and other noncommercial situations are reinforced monitoring in software interface setting, adjustment alarm threshold to the doubtful high risk user of emphasis
Dynamics.When bad debt risk or fraud possibility are greater than setting threshold value, alarm module will be by modes such as short message, mails to air control
Department issues alarm, prompts to carry out anti-fraud investigation electricity and urges visiting abroad etc., reduces bad debt risk.
Medium and small micro- customers' credit database module 7 will record and polymerize before the loan of each medium and small micro- client to be believed after information, loan
Breath and all kinds of warning information, polymerization form each new and old medium and small micro- client completely real-time production and operation energy consumption, history production and operation
The year-on-year ring of energy consumption is than comprehensive credit numbers such as record, the history accrediting amount, history refund record, history alarm information and processing information
According to library.Examination & approval service is examined by medium and small micro- customers' credit database module establishment modelization, shortens medium and small micro- corporate boss's loan
Approval process.Compared according to medium and small micro- customers' credit database module industry big data, according to systematization master pattern into
Row client positioning is selected.
Embodiment 2
The medium and small micro- credit risk method for real-time monitoring of one kind provided by the invention, comprising the following steps:
Step S1, will acquire in real time without intrusive energy data and communication module is deployed in small micro- loan customer life in each bank
Produce management place and/or key equipment；
Step S2, acquires the power information of the production and operation place and/or key equipment in real time, and is uploaded in real time for carrying out
Electric power data polymerization analysis；
It is real to convert small micro- client in bank for each level real-time electric power information by online big data digging tool by step S3
When energy consumption monitoring, operation situation real time monitoring, operation abnormal monitoring information, and combine excavate other networks disclosed in it is noncommercial
Isomeric data classification storage is carried out after category information；
Step S4, according to the production and operation account of the history of each medium and small micro- enterprise and its ranking in relevant industries, based on big
Data model increases credit evaluation mode, provides the preceding credit risk management information needed of loan and credit volume for finance and air control department of bank
Spend guidance amount；
Step S5 provides Real time visible in each stage of risk formation after loan according to for bank or air control department of financial institution
Change risk monitoring and control information.
In a preferred embodiment, the conversion process of the step S3 further comprises following steps.
Step S3.1, the structuring processing of the real-time power information of medium and small micro- loan customer.Real-time power information is added
After time tag, using the distribution probability statistical tool in big data analysis, by characteristic time section extreme value, average value, in
Value, 25 fractiles, 75 fractiles etc. are calculated and Coutinuous store of classifying.Characteristic time therein section can be hour,
Any selection on working day, weekend, week, the moon, season, year.
Step S3.2, alarm triggered judgement.It is medium and small micro- while real time data carries out taxonomic structureization processing calculating storage
The real-time power information of loan customer is carried out by a series of internal algorithms and the statistical data of characteristic time segment structure database
Compare, in conjunction with the threshold value of air control Department formation, compare situation in real time by real data, chooses whether triggering alarm.For example, certain is used
The real-time electricity consumption and/or power at family are lower than same period timesharing historical average evidence, then trigger alarm, aweather control administrative staff and issue
Medium and small micro- loan customer runs abnormality alarming.The time scale of timesharing historical average evidence therein can be hour, day, Zhou Huo
Any selection of the moon.
Step S3.3, normal electricity consumption model extraction and storage.By wavelet analysis to the real-time use of medium and small micro- loan customer
Power information carries out time and frequency domain analysis and it is classified and deposited with electrical feature time domain and frequency domain by wavelet transform
Storage, is identified by neuroid, and in conjunction with information such as the user power utilization feature time domain and characteristic frequency domains, training is extracting the user just
Common electric model, normal electricity consumption characteristic attribute parameter and its incident characteristic parameter and carry out classification storage, be stored in use
In family normal electricity consumption model and electricity consumption characteristic attribute database.User's normal electricity consumption characteristic attribute includes but is not limited to daily normal
Electricity consumption duration and period, key equipment steady-state operation duration and period, key equipment start and stop instantaneous power amplitude Characteristics, day
Averagely pause duration, per day pause number, the fluctuation of pause duration, power factor characteristic value in working hour etc..
Step S3.4, the confirmation after noting abnormalities.The real-time power information of user and same period timesharing history are found in step 3.2
When average data is abnormal, system will further compare user's normal electricity consumption model and its each feature category of normal electricity consumption respectively
Property, confirm medium and small micro- loan customer electricity consumption whether normally to determine its production and operation situation, and it is normal according to timesharing different levels
Electricity consumption characteristic attribute issues normal production and operation judgement or abnormality alarming after hierarchical confirmation.User's normal electricity consumption characteristic attribute
Comparison, improve the accuracy judged by electric power data production and operation situation, and further eliminate client in electricity consumption
The possibility that Shi Jinhang malice is faked.
Step S3.5, training sample addition and neural network model amendment.Operating condition is normal and warning information is sent out
After out, system combination air control administrative staff's visits feedback, will confirm that and supplemental information returns and is added to neuroid knowledge
Other algorithm adds new training sample and dynamic corrections neural network model, generated each feature category of new normal electricity consumption
Property will be added in user's normal electricity consumption model and electricity consumption characteristic attribute database.
In a preferred embodiment, this method further includes an alarm step S6, is gone out in step S4 and/or step S5
When existing production and operation abnormal conditions, such as energy consumption continuously declines, persistently stops work without production energy consumption, emphasis equipment and key equipment
Deng, then it is issued and is alerted to bank or financial institution risk management and control personnel by modes such as short message, mails, prompt related personnel's progress
Intervene and manage, achievees the purpose that the preposition management of risk.
In a preferred embodiment, this method further includes a medium and small micro- business standing data storing steps S7, record
And it polymerize before the loan of each medium and small micro- enterprise information and all kinds of warning information after information, loan, it is complete that polymerization forms each new and old client
Real-time production and operation energy consumption, the year-on-year ring of history production and operation energy consumption than record, the history accrediting amount, history refund record, go through
The comprehensive credit database such as history warning information and processing information.
Medium and small micro- credit risk real-time monitoring system and method in the present invention, it is intended to it is preposition to provide risk control for bank
While means, more top-tier customers are obtained.
Compared with prior art, the present invention can obtain following technical effect.
In existing financial institution's risk monitoring and control system, body is not monitored using the credit risk that electric power data is data source
System.Compared with the existing credit risk monitoring model established manually, technical solution provided in an embodiment of the present invention is improved
The real-time and physics objectivity of risk monitoring and control model.
Present invention use in credit risk monitoring system acquired in real time without intrusive energy data and communication module and
Frequency acquisition uploads and edge calculations mode collects data source of the data as credit risk monitoring model.
The present invention acquires in real time without intrusive energy data and the networking mode of communication module multiplicity, is suitble to various medium and small micro-
Client and various geographical distributions.
It is of the invention to be acquired in real time without intrusive energy data and communication module is used without the additional installation of intrusive mood, do not change
The original route and structure of user or equipment are installed simple and convenient and living without interrupting the normal production and operation of medium and small micro- loan client
It is dynamic.
The present invention is excavated by electric power data and network data excavation analyzes the small micro- realtime running shape for borrowing user of every profession and trade
Condition, loan repayment capacity and wish provide risk control preposition means for bank.
Medium and small micro- credit risk real-time monitoring system and method in the present invention, the medium and small micro- loan that geographical location can be dispersed
Client carries out concentration real time monitoring.
For the present invention by big data polymerizable functional, providing using for medium and small micro- client for air control department of bank can ranking and colleague
Industry is comprehensively compared with scale etc..
In medium and small micro- credit risk real-time monitoring system in the present invention, air control department of bank can be special according to medium and small micro- client
The customized alarm threshold of point, System Software for Real-time Monitoring platform provide alarm in real time.
The above is only present pre-ferred embodiments, is not intended to limit the scope of the present invention, therefore
Any subtle modifications, equivalent variations and modifications to the above embodiments according to the technical essence of the invention, still belong to
In the range of technical solution of the present invention.
Claims (10)
1. a kind of medium and small micro- credit risk real-time monitoring system, including
No intrusive energy data acquires in real time and communication module, is deployed in small micro- loan customer production and operation in each bank
In the distribution box of place and/or at key equipment, the power information of the production and operation place and/or key equipment is acquired in real time；
Electric power data polymerization analysis module, can receive it is described acquired in real time without intrusive energy data and communication module acquisition
The power information, and to the power information carry out conversion and isomeric data classification storage；
Credit risk management module before borrowing, can the data according to provided by the electric power data polymerization analysis module, before loan is provided
Credit risk management information needed and accrediting amount guidance amount；
Risk real-time monitoring module after loan, can the data according to provided by the electric power data polymerization analysis module, borrowing
Risk monitoring and control information is provided in each stage that risk is formed afterwards.
2. medium and small micro- credit risk real-time monitoring system according to claim 1, which is characterized in that described without intrusive electricity
Energy real time data acquisition and communication module include:
Electric energy chip can obtain energy information in real time, and the energy information calculation processing is obtained the power information；
The characteristics of frequency conversion uploads control unit, can regard energy information, controls the upload of the power information；
Edge calculations unit carries out simple real time data by physical layer fringe node before by the transmission of real-time power information data
Processing is reduced and is acquired in real time without intrusive energy data and communication module is to the electric power data polymerization analysis module from described
Data traffic；
The power information can be uploaded to the electric power data polymerization analysis module by communication unit.
3. medium and small micro- credit risk real-time monitoring system according to claim 2, which is characterized in that the energy information packet
Include real-time current signal and real-time voltage signal.
4. medium and small micro- credit risk real-time monitoring system according to claim 2, which is characterized in that the communication unit choosing
Select GPRS networking mode or LAN networking mode.
5. medium and small micro- credit risk real-time monitoring system according to claim 1, which is characterized in that the power information packet
Include real-time current, voltage and power consumption situation.
6. medium and small micro- credit risk real-time monitoring system according to claim 1, which is characterized in that the electric power data is poly-
Analysis module is closed by online big data digging tool, it is real-time to convert small micro- client in bank for each level real-time electric power information
Energy consumption monitoring, operation situation monitor in real time, the abnormal real time monitoring information of operation, and combine noncommercial disclosed in other networks of excavation
Isomeric data classification storage is carried out after category information.
7. medium and small micro- credit risk real-time monitoring system according to claim 1, which is characterized in that further include alarm mould
Block, can before loan credit risk management module and/or to occur medium and small micro- production and operation in risk real-time monitoring module after borrowing abnormal
When situation, alarm is issued to bank or financial institution risk management and control personnel immediately.
8. medium and small micro- credit risk real-time monitoring system according to claim 7, which is characterized in that the alarm module is logical
The mode for crossing short message and/or Email issues alarm.
9. medium and small micro- credit risk real-time monitoring system according to claim 1, which is characterized in that further include medium and small micro- visitor
Family credit data library module is able to record and polymerize before the loan of each medium and small micro- client information and warning information after information, loan,
Polymerization formed each new and old medium and small micro- client completely the year-on-year ring of real-time production and operation energy consumption, history production and operation energy consumption than record,
The history accrediting amount, history refund record, history alarm information and the synthesis credit database for handling information.
10. a kind of medium and small micro- credit risk method for real-time monitoring, comprising the following steps:
Step S1, will acquire in real time without intrusive energy data and communication module is deployed in small micro- loan customer life in each bank
Produce management place and/or key equipment；
Step S2, acquires the power information of the production and operation place and/or key equipment in real time, and is uploaded in real time for carrying out
Electric power data polymerization analysis；
It is real to convert small micro- client in bank for each level real-time electric power information by online big data digging tool by step S3
When energy consumption monitoring, operation situation real time monitoring, operation abnormal monitoring information, and combine excavate other networks disclosed in it is noncommercial
Isomeric data classification storage is carried out after category information；
Step S4, according to the production and operation account of the history of each medium and small micro- enterprise and its ranking in relevant industries, based on big
Data model increases credit evaluation mode, provides the preceding credit risk management information needed of loan and credit volume for finance and air control department of bank
Spend guidance amount；
Step S5 provides Real time visible in each stage of risk formation after loan according to for bank or air control department of financial institution
Change monitoring information.
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