CN110782332A - Intelligent credit assessment dynamic tracing method - Google Patents
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Abstract
The invention discloses an intelligent dynamic tracking method for credit assessment, which relates to the field of credit assessment and mainly aims to realize the understanding of enterprise dynamic information; the method comprises the following steps: analyzing user information, and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit level of a user; generating a public opinion database according to the user parameters; monitoring public opinion information in the public opinion database in real time, and capturing hot public opinions; and analyzing and processing the hot public sentiment to generate an information data block, and adding the information data block into the information database. The invention can realize the real-time update of the information data, and provides analysis basis for the client to comprehensively master the enterprise dynamics and make correct evaluation guidance.
Description
Technical Field
The invention relates to the field of credit evaluation, in particular to an intelligent dynamic tracing method for credit evaluation.
Background
The credit assessment is an activity of a bank for assessing the credit condition of a borrower, the most basic condition of bank loan is credit, the bank loan support can be easily obtained if the credit is good, and the bank loan support can not be easily obtained if the credit is poor, the credit of the borrower is formed by a plurality of factors including the asset liability condition of the borrower, the management level, the product economic benefit, the market development trend and the like, in order to have a uniform basic correct assessment on the credit condition of the borrower, the credit condition of the borrower needs to be assessed, the credit assessment method mainly comprises two methods, namely, ① bank organization self assesses the credit condition of the borrower, ② entrusts a special assessment organization to assess the credit condition of the borrower, the former is organized according to the bank loan management needs, the latter needs to be entrusted by a person, no principal and the credit assessment mechanism does not generally assess the credit condition of the borrower.
Under the market economic condition, a competitive mechanism is inevitably introduced into each link of production and management of enterprises. The promotion of technology, the update of products and the elimination of the products in the enterprise are the results of competitive changes. It can be said that the business is changing in volume every time every day. Therefore, the situation of the analysis enterprise should be investigated with a dynamic eye-light and a developing viewpoint in the evaluation and analysis. Only through comprehensive understanding and dynamic analysis of enterprises can correct evaluation meeting actual conditions be made.
Disclosure of Invention
The invention aims to provide an intelligent credit assessment dynamic tracing method to solve the problems.
In order to achieve the purpose, the invention provides the following technical scheme:
an intelligent credit assessment dynamic tracing method comprises the following steps:
analyzing user information, and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit level of a user;
generating a public opinion database according to the user parameters;
monitoring public opinion information in the public opinion database in real time, and capturing hot public opinions;
and analyzing and processing the hot public sentiment to generate an information data block, and adding the information data block into the information database.
On the basis of the technical scheme, the invention also provides the following optional technical scheme:
in one alternative: the generating of the public opinion database according to the user parameters comprises:
collecting in the whole network: on the basis of a public search engine, setting keywords to monitor according to a news text and news title matching rule, extracting public opinion data blocks, and adding the public opinion data blocks into a public opinion database;
directional collection: analyzing all related URLs in the page according to the single URL, browsing to a lower-level page for monitoring, extracting public opinion data blocks, and adding the public opinion data blocks into a public opinion database.
In one alternative: further comprising:
and acquiring dynamic information related to the hot public sentiment, and sending the dynamic information to the user.
An intelligent credit assessment dynamic traceability system, comprising:
the generating module is used for analyzing the user information and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit rating of the user;
the database building module is used for generating a public opinion database according to the user parameters;
the acquisition module is used for monitoring public opinion information in the public opinion database in real time and acquiring hotspot public opinions;
an analysis processing module: and the system is used for analyzing and processing the hotspot public sentiment, generating an information data block and adding the information data block into the information database.
In one alternative: the database building module comprises:
the whole network acquisition submodule is used for setting keywords to monitor according to a news text and news title matching rule on the basis of a public search engine, extracting public opinion data blocks and adding the public opinion data blocks into a public opinion database;
and the directional acquisition submodule is used for analyzing all related URLs in the page according to the single URL, browsing a lower-level page for monitoring, extracting public opinion data blocks and adding the public opinion data blocks into a public opinion database.
In one alternative: further comprising:
and the pushing module is used for acquiring dynamic information related to the hot public sentiment and sending the dynamic information to the user.
A computer readable storage medium having stored therein at least one instruction which is loaded and executed by a processor to implement the intelligent credit assessment dynamic traceback method described above.
Compared with the prior art, the invention has the following beneficial effects:
analyzing user information, and generating a user parameter and an information database which are uniquely corresponding to the user information; generating a public opinion database according to the user parameters; monitoring public opinion information in the public opinion database in real time, and capturing hot public opinions; and analyzing and processing the hot public sentiment to generate an information data block, and adding the information data block into the information database. The invention can realize the real-time update of the information data, and provides analysis basis for the client to comprehensively master the enterprise dynamics and make correct evaluation guidance.
Drawings
Fig. 1 is a flowchart of an intelligent credit evaluation dynamic tracing method of the present invention.
Fig. 2 is a schematic structural diagram of the intelligent credit evaluation dynamic traceability system of the present invention.
Detailed Description
The present invention will be described in detail with reference to the following embodiments, which are illustrated in the accompanying drawings or description, wherein like or similar elements are designated by the same reference numerals. The examples are given solely for the purpose of illustration and are not intended to limit the scope of the invention. Any obvious modifications or variations can be made to the present invention without departing from the spirit or scope of the present invention.
Example 1
Referring to fig. 1, in an embodiment of the present invention, an intelligent credit evaluation dynamic tracing method includes the following steps:
and S10, analyzing the user information, and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit rating of the user.
In an exemplary case, a user "xxx electric appliance limited liability company" corresponds to a user parameter "yyy", and an information database is "zz", and then, in a subsequent processing process, the "yyy" and the "zz" are in a unique corresponding relationship with the "xxx electric appliance limited liability company", so that the pertinence and the accuracy of data analysis are ensured.
And S20, generating a public opinion database according to the user parameters.
In this embodiment, the content in the public opinion database is composed of data packets of two parts, the two parts are respectively a whole network collection part and a directional collection part, wherein the whole network collection: on the basis of a public search engine, setting keywords to monitor according to a news text and news title matching rule, extracting public opinion data blocks, and adding the public opinion data blocks into a public opinion database; directional collection: analyzing all related URLs in the page according to the single URL, browsing to a lower-level page for monitoring, extracting public opinion data blocks, and adding the public opinion data blocks into a public opinion database. Therefore, the comprehensiveness of public opinion data collection can be guaranteed, omission is avoided, and the accuracy of subsequent processing is guaranteed.
And S30, monitoring public sentiment information in the public sentiment database in real time and capturing hot public sentiments.
In the above exemplary case, the "xxx electric appliance finite responsibility company" is cited, and the company is hooked with the electric appliance, if the spontaneous combustion event of the electric appliance occurs in the society and becomes a public opinion hotspot, the "safety of the electric appliance" related to the company becomes a captured hotspot public opinion.
And S40, analyzing the hot public sentiment to generate an information data block, and adding the information data block into the information database.
Further, in this embodiment, the method further includes:
and S50, acquiring dynamic information related to the hot public sentiment, and sending the dynamic information to the user.
As described above, when an event of spontaneous combustion of electrical equipment occurs in the society, related official information, social information and policy information inevitably occur, and the information is sent to the user as dynamic information, so that the user can timely grasp the related information of hot public sentiment, and a coping decision is made.
Example 2
Referring to fig. 2, in an embodiment of the present invention, an intelligent credit evaluation dynamic tracing system is designed based on the intelligent credit evaluation dynamic tracing method described in embodiment 1, and specifically, the system includes:
the generating module is used for analyzing the user information and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit rating of the user;
the database building module is used for generating a public opinion database according to the user parameters;
the acquisition module is used for monitoring public opinion information in the public opinion database in real time and acquiring hotspot public opinions;
an analysis processing module: and the system is used for analyzing and processing the hotspot public sentiment, generating an information data block and adding the information data block into the information database.
Further, the library building module comprises:
the whole network acquisition submodule is used for setting keywords to monitor according to a news text and news title matching rule on the basis of a public search engine, extracting public opinion data blocks and adding the public opinion data blocks into a public opinion database;
and the directional acquisition submodule is used for analyzing all related URLs in the page according to the single URL, browsing a lower-level page for monitoring, extracting public opinion data blocks and adding the public opinion data blocks into a public opinion database.
Further, the system further comprises:
the pushing module is used for acquiring dynamic information related to the hot public sentiment and sending the dynamic information to the user
Example 3
A computer readable storage medium having stored therein at least one instruction which is loaded and executed by a processor to implement the intelligent credit assessment dynamic traceback method of embodiment 1.
The above description is only for the specific embodiments of the present disclosure, but the scope of the present disclosure is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present disclosure, and all the changes or substitutions should be covered within the scope of the present disclosure. Therefore, the protection scope of the present disclosure shall be subject to the protection scope of the claims.
Claims (6)
1. An intelligent credit assessment dynamic tracing method is characterized by comprising the following steps:
analyzing user information, and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit level of a user;
generating a public opinion database according to the user parameters;
monitoring public opinion information in the public opinion database in real time, and capturing hot public opinions;
and analyzing and processing the hot public sentiment to generate an information data block, and adding the information data block into the information database.
2. The intelligent credit assessment dynamic traceability method of claim 1, wherein said generating a public opinion database according to said user parameters comprises:
collecting in the whole network: on the basis of a public search engine, setting keywords to monitor according to a news text and news title matching rule, extracting public opinion data blocks, and adding the public opinion data blocks into a public opinion database;
directional collection: analyzing all related URLs in the page according to the single URL, browsing to a lower-level page for monitoring, extracting public opinion data blocks, and adding the public opinion data blocks into a public opinion database.
3. The intelligent credit evaluation dynamic traceability method of claim 1, further comprising:
and acquiring dynamic information related to the hot public sentiment, and sending the dynamic information to the user.
4. An intelligent credit evaluation dynamic traceability system, comprising:
the generating module is used for analyzing the user information and generating a user parameter and an information database which are uniquely corresponding to the user information, wherein the information database is used for evaluating the credit rating of the user;
the database building module is used for generating a public opinion database according to the user parameters;
the acquisition module is used for monitoring public opinion information in the public opinion database in real time and acquiring hotspot public opinions;
an analysis processing module: and the system is used for analyzing and processing the hotspot public sentiment, generating an information data block and adding the information data block into the information database.
5. The intelligent credit evaluation dynamic traceability system of claim 4, wherein the banking module comprises:
the whole network acquisition submodule is used for setting keywords to monitor according to a news text and news title matching rule on the basis of a public search engine, extracting public opinion data blocks and adding the public opinion data blocks into a public opinion database;
and the directional acquisition submodule is used for analyzing all related URLs in the page according to the single URL, browsing a lower-level page for monitoring, extracting public opinion data blocks and adding the public opinion data blocks into a public opinion database.
6. The intelligent credit evaluation dynamic traceability system of claim 4, further comprising:
and the pushing module is used for acquiring dynamic information related to the hot public sentiment and sending the dynamic information to the user.
A computer-readable storage medium having stored therein at least one instruction which is loaded and executed by a processor to implement the intelligent credit assessment dynamic traceback method of any of claims 1-3.
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| CN201910046932.2A CN110782332A (en) | 2019-01-18 | 2019-01-18 | Intelligent credit assessment dynamic tracing method |
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| CN201910046932.2A CN110782332A (en) | 2019-01-18 | 2019-01-18 | Intelligent credit assessment dynamic tracing method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111553818A (en) * | 2020-04-29 | 2020-08-18 | 搜信信用产业集团有限公司 | Intelligent monitoring contract performing dynamic tracking method, system, device and storage medium |
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| CN104408157A (en) * | 2014-12-05 | 2015-03-11 | 四川诚品电子商务有限公司 | Funnel type data gathering, analyzing and pushing system and method for online public opinion |
| US20160098738A1 (en) * | 2014-10-06 | 2016-04-07 | Chunghwa Telecom Co., Ltd. | Issue-manage-style internet public opinion information evaluation management system and method thereof |
| CN105528465A (en) * | 2016-02-03 | 2016-04-27 | 天弘基金管理有限公司 | Credit status assessment method and device |
| CN108846547A (en) * | 2018-05-06 | 2018-11-20 | 成都信息工程大学 | A kind of Enterprise Credit Risk Evaluation method of dynamic adjustment |
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2019
- 2019-01-18 CN CN201910046932.2A patent/CN110782332A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20160098738A1 (en) * | 2014-10-06 | 2016-04-07 | Chunghwa Telecom Co., Ltd. | Issue-manage-style internet public opinion information evaluation management system and method thereof |
| CN104408157A (en) * | 2014-12-05 | 2015-03-11 | 四川诚品电子商务有限公司 | Funnel type data gathering, analyzing and pushing system and method for online public opinion |
| CN105528465A (en) * | 2016-02-03 | 2016-04-27 | 天弘基金管理有限公司 | Credit status assessment method and device |
| CN108846547A (en) * | 2018-05-06 | 2018-11-20 | 成都信息工程大学 | A kind of Enterprise Credit Risk Evaluation method of dynamic adjustment |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111553818A (en) * | 2020-04-29 | 2020-08-18 | 搜信信用产业集团有限公司 | Intelligent monitoring contract performing dynamic tracking method, system, device and storage medium |
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