CN112950334A - Comprehensive evaluation method and platform suitable for cross-border e-commerce and related equipment - Google Patents
Comprehensive evaluation method and platform suitable for cross-border e-commerce and related equipment Download PDFInfo
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- CN112950334A CN112950334A CN202110393776.4A CN202110393776A CN112950334A CN 112950334 A CN112950334 A CN 112950334A CN 202110393776 A CN202110393776 A CN 202110393776A CN 112950334 A CN112950334 A CN 112950334A
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Abstract
The embodiment of the application discloses a comprehensive evaluation method, a comprehensive evaluation platform and related equipment suitable for cross-border e-commerce, wherein the method comprises the following steps: acquiring public information of an enterprise from a public information data source channel; structured cleaning is carried out on the public information to obtain index data; setting index weight for the index data, and calculating credit score of the enterprise; acquiring financial and newspaper information uploaded by an enterprise according to a preset format; performing asset assessment according to the financial information to obtain a financial capacity index; and obtaining a comprehensive evaluation result according to the credit score and the financial capacity index and according to a preset evaluation standard, realizing the automatic evaluation of enterprises or users on the cross-border e-commerce platform, and compared with the manual acquisition, processing, sorting and calculation in the prior art, realizing the automation of the evaluation and improving the evaluation efficiency and accuracy.
Description
Technical Field
The application relates to the technical field of cross-border e-commerce, in particular to a comprehensive evaluation method, a comprehensive evaluation platform and related equipment suitable for cross-border e-commerce.
Background
With the continuous improvement of the popularity of the internet, the e-commerce industry is steadily developing. The cross-border e-commerce market develops rapidly in recent years due to the influence of the domestic consumption upgrading trend and the national emphasis on the development of import and export trade, and the continuous development of the international logistics and supply chain technology.
When an enterprise user uses the cross-border e-commerce platform, a manager of the platform generally performs comprehensive evaluation on the cross-border e-commerce platform according to the data of the enterprise, and gives corresponding permissions according to an evaluation result, wherein the permissions comprise account periods, priorities and the like. At present, enterprises are integrated, usually, relevant data of main bodies, such as credit conditions and public opinion conditions of the enterprises, are manually collected, then auditors process and arrange the data, the financial information of the enterprises is combined, the overall conditions of the enterprises are finally obtained, and relevant grades and authorities are given in combination with evaluation standards.
However, since the comprehensive evaluation of the enterprise is realized by collecting, calculating, analyzing data and evaluating by an evaluator, an artificial judgment error easily occurs, a subjective judgment standard is difficult to maintain uniform, and a deviation of an evaluation result is caused. Therefore, a technical problem to be solved by those skilled in the art is how to provide a comprehensive assessment method suitable for cross-border e-commerce, so as to realize automated assessment of enterprises or users on a cross-border e-commerce platform and improve assessment efficiency and accuracy.
Disclosure of Invention
The embodiment of the application provides a comprehensive evaluation method, a comprehensive evaluation platform and related equipment suitable for cross-border e-commerce, so that automatic evaluation of enterprises or users on the cross-border e-commerce platform is realized, and evaluation efficiency and accuracy are improved.
In view of the above, a first aspect of the present application provides a comprehensive evaluation method suitable for cross-border e-commerce, the method including:
acquiring public information of an enterprise from a public information data source channel;
structured cleaning is carried out on the public information to obtain index data;
setting index weight for the index data, and calculating credit score of the enterprise;
acquiring financial and newspaper information uploaded by the enterprise according to a preset format;
performing asset assessment according to the financial information to obtain a financial capacity index;
and obtaining a comprehensive evaluation result according to the credit score and the financial capacity index according to a preset evaluation standard.
Preferably, before obtaining a comprehensive evaluation result according to the credit score and the financial ability index according to a preset evaluation standard, the method further comprises:
and verifying the compliance of the enterprise according to the public information.
Preferably, the public information includes one or more of enterprise credit information, affiliated industry data and enterprise governance data.
Preferably, the asset assessment according to the financial report information to obtain the financial capability index specifically comprises:
and evaluating the asset liability condition, the repayment capacity, the profit capacity, the operation capacity and the growth capacity of the enterprise based on the financial report data to obtain a financial capacity index.
The application in a second aspect provides a comprehensive evaluation platform suitable for cross-border e-commerce, which comprises a database and an evaluation end;
the database includes:
the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring public information of an enterprise from a public information data source channel;
the cleaning unit is used for carrying out structured cleaning on the public information to obtain index data;
the second acquisition unit is used for acquiring the financial and newspaper information uploaded by the enterprise according to a preset format;
the evaluation terminal comprises:
the first calculation unit is used for setting index weight for the index data and calculating credit score of an enterprise;
the second calculation unit is used for carrying out asset assessment according to the financial report information to obtain a financial capacity index;
and the evaluation unit is used for obtaining a comprehensive evaluation result according to the credit score and the financial ability index according to a preset evaluation standard.
Preferably, the evaluation terminal further comprises:
and the verifying unit is used for verifying the compliance of the enterprise according to the public information.
A third aspect of the present application provides a cross-border e-commerce system, comprising: the system comprises an enterprise terminal, an e-commerce platform and a comprehensive evaluation platform suitable for cross-border e-commerce as described in the second aspect;
the e-commerce platform is to:
receiving financial and newspaper information uploaded by the enterprise terminal according to a preset format, and sending the financial and newspaper information to the database of the comprehensive evaluation platform suitable for the cross-border e-commerce;
and receiving a comprehensive evaluation result of the evaluation end of the comprehensive evaluation platform for the cross-border e-commerce, configuring corresponding authority for the enterprise, and issuing the authority to the enterprise end.
Preferably, the e-commerce platform is further configured to:
receiving registration information and data authorization information sent by the enterprise terminal, and verifying the registration information;
if the verification is passed, the registration information and the data authorization information are sent to the database so that the database can obtain enterprise public information conveniently;
and if the verification is not passed, returning an error prompt so as to facilitate the enterprise end to resubmit the registration information and the data authorization information.
A fourth aspect of the present application provides a computer-readable storage medium for storing a program code for executing the comprehensive evaluation method for cross-border e-commerce according to the first aspect.
A fifth aspect of the present application provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method for integrated assessment of cross-border e-commerce as described in the first aspect above.
According to the technical scheme, the embodiment of the application has the following advantages:
in the embodiment of the application, a comprehensive evaluation method suitable for cross-border e-commerce is provided, and the public information of an enterprise is acquired from a public information data source channel; structured cleaning is carried out on the public information to obtain index data; setting index weight for the index data, and calculating credit score of the enterprise; acquiring financial and newspaper information uploaded by an enterprise according to a preset format; performing asset assessment according to the financial information to obtain a financial capacity index; and obtaining a comprehensive evaluation result according to the credit score and the financial capacity index and according to a preset evaluation standard, realizing the automatic evaluation of enterprises or users on the cross-border e-commerce platform, and compared with the manual acquisition, processing, sorting and calculation in the prior art, realizing the automation of the evaluation and improving the evaluation efficiency and accuracy.
Drawings
FIG. 1 is a flowchart of a method for comprehensive evaluation of cross-border e-commerce in an embodiment of the present application;
fig. 2 is a schematic structural diagram of a comprehensive evaluation platform suitable for cross-border e-commerce according to an embodiment of the present application;
fig. 3 is a system architecture diagram of a cross-border e-commerce system provided by an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The application designs a comprehensive evaluation method suitable for cross-border e-commerce in a first aspect.
For convenience of understanding, please refer to fig. 1, in which fig. 1 is a flowchart of a method of the comprehensive evaluation method for cross-border e-commerce according to an embodiment of the present application, and as shown in fig. 1, the method specifically includes:
It can be understood that to comprehensively evaluate an enterprise, first, related information of the enterprise is obtained, and the information that can be obtained from the public channel at present includes: business license, stock right architecture, court execution, referee document, public opinion information, affiliated industry data, etc.
And 102, performing structured cleaning on the public information to obtain index data.
It should be noted that the above public information is difficult to directly evaluate, and therefore, the information needs to be structurally cleaned and converted into evaluable and quantifiable index data.
And 103, setting index weight for the index data, and calculating the credit score of the enterprise.
It can be understood that after the public information is converted into index data, corresponding index weights can be set for the warranty data according to needs, and then the index data is calculated according to the weights to obtain the credit score of the enterprise. For example, when credit scoring is performed, the weight of index data corresponding to court executions and referee documents is relatively high, the affiliated industry data is related to the industry scale and industry growth data of the enterprise, so the weight cannot be too low, and the influence of a business license and a stock right architecture on the credit of the enterprise is small, so the weight can be relatively low. Of course, this is merely an example of a weight assignment scheme that can be referred to, and a person skilled in the relevant art may adjust the weight assignment scheme according to actual needs, which is not limited.
And 104, acquiring the financial and newspaper information uploaded by the enterprise according to a preset format.
It is understood that the financial information includes cash flow tables, balance tables, profit tables, etc., and the current financial information of non-listed companies is non-public information, so it is necessary for enterprises to provide it.
And 105, performing asset assessment according to the financial report information to obtain a financial capacity index.
It can be understood that the financial information can show whether the enterprise operates normally, and the financial capacity index of the enterprise can be obtained through asset evaluation because the financial information in the application is obtained according to the preset format.
And 106, obtaining a comprehensive evaluation result according to the credit score and the financial ability index according to a preset evaluation standard.
It can be understood that, combining the credit scoring result and the financial ability index, the comprehensive evaluation result for the enterprise can be obtained according to the preset evaluation standard.
According to the comprehensive evaluation method applicable to the cross-border e-commerce, disclosed information of an enterprise is obtained from a disclosed information data source channel; structured cleaning is carried out on the public information to obtain index data; setting index weight for the index data, and calculating credit score of the enterprise; acquiring financial and newspaper information uploaded by an enterprise according to a preset format; performing asset assessment according to the financial information to obtain a financial capacity index; and obtaining a comprehensive evaluation result according to the credit score and the financial capacity index and according to a preset evaluation standard, realizing the automatic evaluation of enterprises or users on the cross-border e-commerce platform, and compared with the manual acquisition, processing, sorting and calculation in the prior art, realizing the automation of the evaluation and improving the evaluation efficiency and accuracy.
Further, before the step 106, the method further includes:
and 100, verifying the compliance of the enterprise according to the public information.
It can be understood that the compliance of the enterprise includes compliance management, performance ability and willingness, and the compliance of the enterprise is checked according to the information of the industry, the law, the public opinion and the like in the public information, so as to reduce the violation risk of the enterprise, and therefore, the compliance of the enterprise needs to be checked before the enterprise is comprehensively evaluated.
Specifically, the public information includes one or more of enterprise credit information, affiliated industry data and enterprise governance data.
It should be noted that the enterprise credit information may include court executions, referee documents, etc., and is mainly used for evaluating enterprise credit; the industry data comprises industry outline, industry scale, industry growth data and the like, and is used for evaluating the industry environment of the enterprise; enterprise governance data includes business licenses, equity architecture, etc. for assessing stability of the company. The data are public data of enterprises and can be used as data for calculating credit scores of the enterprises.
Further, step 105 specifically includes: and evaluating the asset liability condition, the repayment capacity, the profit capacity, the operation capacity and the growth capacity of the enterprise based on the financial report data to obtain a financial capacity index.
It should be noted that the financial capacity index may be displayed in a form of a multidimensional map, and the cash flow table, the asset liability table, and the profit table in the financial data are used to calculate the asset liability condition, the repayment capacity, the profitability, the operation capacity, and the growth capacity, respectively, so as to obtain the multidimensional map of the financial capacity index. Wherein the growth ability can be predicted by an AI algorithm.
Referring to fig. 2, fig. 2 is a schematic structural diagram of a comprehensive evaluation platform suitable for cross-border e-commerce according to an embodiment of the present disclosure, including a database 210 and an evaluation end 220;
the database 210 includes:
the first obtaining unit 211 is configured to obtain public information of an enterprise from a public information data source channel.
It can be understood that to comprehensively evaluate an enterprise, first, related information of the enterprise is obtained, and the information that can be obtained from the public channel at present includes: business license, stock right architecture, court execution, referee document, public opinion information, affiliated industry data, etc.
And a cleaning unit 212, configured to perform structured cleaning on the public information to obtain index data.
It should be noted that the above public information is difficult to directly evaluate, and therefore, the information needs to be structurally cleaned and converted into evaluable and quantifiable index data.
And a second obtaining unit 213, configured to obtain the financial and newspaper information uploaded by the enterprise according to a preset format.
It is understood that the financial information includes cash flow tables, balance tables, profit tables, etc., and the current financial information of non-listed companies is non-public information, so it is necessary for enterprises to provide it.
The evaluation terminal 220 includes:
the first calculating unit 221 is configured to set an index weight for the index data and calculate a credit score of the enterprise.
It can be understood that after the public information is converted into index data, corresponding index weights can be set for the warranty data according to needs, and then the index data is calculated according to the weights to obtain the credit score of the enterprise. For example, when credit scoring is performed, the weight of index data corresponding to court executions and referee documents is relatively high, the affiliated industry data is related to the industry scale and industry growth data of the enterprise, so the weight cannot be too low, and the influence of a business license and a stock right architecture on the credit of the enterprise is small, so the weight can be relatively low. Of course, this is merely an example of a weight assignment scheme that can be referred to, and a person skilled in the relevant art may adjust the weight assignment scheme according to actual needs, which is not limited.
And the second calculating unit 222 is configured to perform asset assessment according to the financial report information to obtain a financial capability index.
It can be understood that the financial information can show whether the enterprise operates normally, and the financial capacity index of the enterprise can be obtained through asset evaluation because the financial information in the application is obtained according to the preset format.
And the evaluation unit 223 is used for obtaining a comprehensive evaluation result according to the credit score and the financial capacity index according to a preset evaluation standard.
It can be understood that, combining the credit scoring result and the financial ability index, the comprehensive evaluation result for the enterprise can be obtained according to the preset evaluation standard.
Further, the evaluation end 220 further includes:
and the checking unit 224 is used for checking the compliance of the enterprise according to the public information.
It can be understood that the compliance of the enterprise includes compliance management, performance ability and willingness, and the compliance of the enterprise is checked according to the information of the industry, the law, the public opinion and the like in the public information, so as to reduce the violation risk of the enterprise, and therefore, the compliance of the enterprise needs to be checked before the enterprise is comprehensively evaluated.
In a third aspect of the present application, referring to fig. 3, fig. 3 is a system architecture diagram of a cross-border e-commerce system provided in an embodiment of the present application, including: an enterprise end 301, an e-commerce platform 302 and a comprehensive assessment platform 303 suitable for cross-border e-commerce as described in the second aspect above;
the e-commerce platform 302 is to:
and receiving the financial and newspaper information uploaded by the enterprise terminal 301 according to a preset format, and sending the financial and newspaper information to the database of the comprehensive evaluation platform 303 suitable for the cross-border e-commerce.
And receiving the comprehensive evaluation result of the evaluation end of the comprehensive evaluation platform 303 for the cross-border e-commerce, configuring corresponding authority for the enterprise, and sending the authority to the enterprise end 301.
It is understood that the e-commerce platform 302 serves as an enterprise resident e-commerce platform, and thus data of an enterprise is transmitted through the e-commerce platform 302, and the e-commerce platform 302 configures corresponding rights.
Further, the e-commerce platform 302 is further configured to:
receiving registration information and data authorization information sent by the enterprise terminal 301, and auditing the registration information;
if the verification is passed, the registration information and the data authorization information are sent to the database so that the database can obtain enterprise public information conveniently;
if the audit is not passed, an error prompt is returned so that the enterprise 301 resubmits the registration information and the data authorization information.
It can be understood that before the e-commerce platform configures the authority for the enterprise, the enterprise needs to register on the e-commerce platform, and therefore, the enterprise needs to provide necessary basic registration information (including enterprise information, mobile phone numbers and the like) according to a registration process and sign a data authorization protocol so as to facilitate the database to acquire corresponding data. Auditing and verifying the basic information of the user, wherein after the auditing is passed, the user can be successfully registered, and subsequent evaluation is carried out; if the audit is not passed, an error is prompted, and the user can resubmit the registration information.
A fourth aspect of the present application provides a computer-readable storage medium for storing program code for executing the comprehensive evaluation method for cross-border e-commerce according to the first aspect described above.
A fifth aspect of the present application provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method for integrated assessment of cross-border e-commerce as described in the first aspect above.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The terms "first," "second," "third," "fourth," and the like in the description of the application and the above-described figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (10)
1. A comprehensive evaluation method suitable for cross-border e-commerce is characterized by comprising the following steps:
acquiring public information of an enterprise from a public information data source channel;
structured cleaning is carried out on the public information to obtain index data;
setting index weight for the index data, and calculating credit score of the enterprise;
acquiring financial and newspaper information uploaded by the enterprise according to a preset format;
performing asset assessment according to the financial information to obtain a financial capacity index;
and obtaining a comprehensive evaluation result according to the credit score and the financial capacity index according to a preset evaluation standard.
2. The method for comprehensive evaluation of cross-border e-commerce according to claim 1, wherein before obtaining the comprehensive evaluation result according to the credit score and the financial ability index according to the preset evaluation criteria, the method further comprises:
and verifying the compliance of the enterprise according to the public information.
3. The method for integrated cross-border e-commerce assessment according to claim 1, wherein said public information comprises one or more of enterprise credit information, industry-affiliated data and enterprise governance data.
4. The comprehensive assessment method applicable to cross-border e-commerce according to claim 1, wherein the asset assessment is performed according to the financial report information, and the obtained financial capability index specifically comprises:
and evaluating the asset liability condition, the repayment capacity, the profit capacity, the operation capacity and the growth capacity of the enterprise based on the financial report data to obtain a financial capacity index.
5. A comprehensive evaluation platform suitable for cross-border e-commerce is characterized by comprising a database and an evaluation terminal;
the database includes:
the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring public information of an enterprise from a public information data source channel;
the cleaning unit is used for carrying out structured cleaning on the public information to obtain index data;
the second acquisition unit is used for acquiring the financial and newspaper information uploaded by the enterprise according to a preset format;
the evaluation terminal comprises:
the first calculation unit is used for setting index weight for the index data and calculating credit score of an enterprise;
the second calculation unit is used for carrying out asset assessment according to the financial report information to obtain a financial capacity index;
and the evaluation unit is used for obtaining a comprehensive evaluation result according to the credit score and the financial ability index according to a preset evaluation standard.
6. The integrated assessment platform for cross-border e-commerce according to claim 5, wherein said assessment end further comprises:
and the verifying unit is used for verifying the compliance of the enterprise according to the public information.
7. A cross-border e-commerce system, comprising: an enterprise end, an e-commerce platform and a comprehensive assessment platform suitable for cross-border e-commerce according to claim 5 or 6;
the e-commerce platform is to:
receiving financial and newspaper information uploaded by the enterprise terminal according to a preset format, and sending the financial and newspaper information to the database of the comprehensive evaluation platform suitable for the cross-border e-commerce;
and receiving a comprehensive evaluation result of the evaluation end of the comprehensive evaluation platform for the cross-border e-commerce, configuring corresponding authority for the enterprise, and issuing the authority to the enterprise end.
8. The cross-border e-commerce system of claim 7, wherein the e-commerce platform is further configured to:
receiving registration information and data authorization information sent by the enterprise terminal, and verifying the registration information;
if the verification is passed, the registration information and the data authorization information are sent to the database so that the database can obtain enterprise public information conveniently;
and if the verification is not passed, returning an error prompt so as to facilitate the enterprise end to resubmit the registration information and the data authorization information.
9. A computer-readable storage medium for storing a program code for executing the comprehensive evaluation method for cross-border e-commerce according to any one of claims 1 to 4.
10. A computer program product comprising instructions which, when run on a computer, cause the computer to perform the method for the integrated assessment of cross-border e-commerce according to any one of claims 1 to 4.
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| CN202110393776.4A CN112950334A (en) | 2021-04-13 | 2021-04-13 | Comprehensive evaluation method and platform suitable for cross-border e-commerce and related equipment |
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| CN202110393776.4A CN112950334A (en) | 2021-04-13 | 2021-04-13 | Comprehensive evaluation method and platform suitable for cross-border e-commerce and related equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113379277A (en) * | 2021-06-23 | 2021-09-10 | 北京同创永益科技发展有限公司 | Comprehensive evaluation method for service provider, computing device and storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113379277A (en) * | 2021-06-23 | 2021-09-10 | 北京同创永益科技发展有限公司 | Comprehensive evaluation method for service provider, computing device and storage medium |
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Application publication date: 20210611 |