CN114565455A - Supply chain financial management method and system for reducing default risk - Google Patents
Supply chain financial management method and system for reducing default risk Download PDFInfo
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Abstract
The invention relates to the technical field of supply chain finance, and provides a supply chain financial management method and a supply chain financial management system for reducing default risks, wherein the supply chain financial management method comprises the following steps: when a credit request of an enterprise needing credit is received, acquiring risk information of the enterprise needing credit; acquiring a credit risk value of the enterprise needing credit according to the risk information; and judging whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold value, if so, rejecting the credit request of the enterprise needing credit, and if not, executing the credit request of the enterprise needing credit. According to the method and the system, after the credit risk assessment is carried out on the credit enterprise according to the risk information of the credit enterprise, whether the credit request of the enterprise is continuously executed is determined, so that the risk assessment result of the enterprise can be improved, the default risk of the enterprise after loan of a financial institution can be reduced, and the credit risk of the financial institution can be reduced.
Description
Technical Field
The invention relates to the technical field of supply chain finance, in particular to a supply chain financial management method and a supply chain financial management system for reducing default risks.
Background
Supply chain finance is a financial service which is formed by that banks surround core enterprises, manage capital flow, logistics and information flow of small and medium-sized enterprises in the upstream and downstream, convert uncontrollable risks of a single enterprise into controllable risks of the whole supply chain enterprise, and control the risks to be the lowest through three-dimensional acquisition of various information.
Chinese patent publication No. CN112581280A discloses a supply chain financial service management system, which comprises a front end, a supply chain module, a financing management module, an external interface module, a wind control management module, a freezing module, a point module and a payment module, wherein the front end, the supply chain module, the financing management module, the external interface module, the wind control management module, the freezing module, the point module and the payment module are all connected with a management mainboard, registration and mutual information understanding between enterprises are facilitated through the front end, and normal circulation of funds of the enterprises can be realized through loan and qualification mortgage, so that mutual information exchange, product buying, operation and exchange between the enterprises are ensured.
However, in the existing supply chain financial service, a method for effectively evaluating the credit risk of the enterprise requiring credit is lacked, so that the financial institution cannot timely and effectively evaluate the credit risk of the enterprise requiring credit and determine whether to continue to execute the credit request of the enterprise requiring credit after the credit risk evaluation of the enterprise requiring credit.
Disclosure of Invention
In view of this, the present invention provides a supply chain financial management method and system for reducing a default risk, which aims to solve the problem that the existing financial institution cannot effectively perform credit risk assessment on an enterprise requiring credit, and when the financial institution cannot assess the credit risk of a credit enterprise, it is more impossible to effectively determine whether to continue to execute a credit request of the enterprise requiring credit.
In one aspect, the present invention provides a supply chain financial management method for reducing the risk of default, comprising:
when a credit request of an enterprise needing credit is received, acquiring risk information of the enterprise needing credit;
acquiring a credit risk value of the enterprise needing credit according to the risk information;
and judging whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold value, if so, rejecting the credit request of the enterprise needing credit, and if not, executing the credit request of the enterprise needing credit.
Further, the acquired risk information of the enterprise needing credit includes: self risk information, associated risk information, historical risk information and administrative penalty information;
when the credit risk value of the enterprise needing credit is obtained according to the risk information, the credit risk value is calculated according to the following formula: cr = R1 × b1+ P × a2 × b2+ H × a3 × b3+ a × a4 × b4;
cr is a credit risk value, R is an associated risk quantity, P is a self risk quantity, H is a historical risk quantity, A is an administrative penalty quantity, a1 is an associated risk information grade, a2 is a self risk information grade, a3 is a historical risk information grade, a4 is an administrative penalty information grade, b1 is an associated risk information ratio, b2 is a self risk information ratio, b3 is a historical risk information ratio, b4 is an administrative penalty information ratio, and b1 is more than 0 and less than b2 and less than b3 and less than b4 and less than 1, and b1+ b2+ b3+ b4= 1.
Further, when the credit risk value of the enterprise needing credit is obtained according to the risk information, a supply chain where the enterprise needing credit is located is also obtained, and an upstream enterprise and a downstream enterprise which have business traffic with the upstream enterprise and the downstream enterprise in the supply chain where the enterprise needing credit is located are determined;
and determining a risk correction coefficient according to the liability between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, correcting the credit risk value Cr according to the determined risk correction coefficient, comparing the corrected credit risk value with the credit risk threshold value, and judging whether to execute the credit request of the enterprise needing credit according to the comparison result.
Further, after determining the upstream enterprises and the downstream enterprises which have business traffic with the credit-demanding enterprise, respectively acquiring the total liability value W1 between the credit-demanding enterprise and all the upstream enterprises and the total liability value W2 between the credit-demanding enterprise and all the downstream enterprises;
setting a first preset liability difference value f1, a second preset liability difference value f2, a third preset liability difference value f3 and a fourth preset liability difference value f4, wherein f1 < f2 < f3 < f 4; setting a first preset risk correction coefficient g1, a second preset risk correction coefficient g2, a third preset risk correction coefficient g3 and a fourth preset risk correction coefficient g4, wherein 1 > g1 > g2 > g3 > g4 > 0.8;
selecting a risk correction coefficient according to the relation between the difference value between W1 and W2 and each preset liability difference value to correct the credit risk value Cr:
when W1-W2 is less than or equal to 0, setting the risk correction coefficient to be 1.2, and correcting the credit risk value Cr to obtain a corrected credit risk value of 1.2 Cr;
when the value is more than 0 and less than or equal to W1 and less than or equal to W2 and less than or equal to f1, selecting the first preset risk correction coefficient g1 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr g 1;
when f1 is larger than W1-W2 is smaller than or equal to f2, selecting the second preset risk correction coefficient g2 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 2;
when f2 is larger than W1-W2 is smaller than or equal to f3, selecting the third preset risk correction coefficient g3 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 3;
when f3 is larger than W1-W2 is smaller than or equal to f4, selecting the fourth preset risk correction coefficient g4 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 4;
when f4 < W1-W2, the credit risk value Cr is corrected by setting the risk correction coefficient to 0.8, and the corrected credit risk value is 0.8 Cr.
Further, after determining a risk correction coefficient according to the liabilities between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, and correcting the credit risk value Cr according to the determined risk correction coefficient:
determining all upstream companies which have business communication with the enterprise to be credited, respectively acquiring credit risk values of the upstream companies, determining a credit risk average value of the upstream companies, setting a compensation coefficient according to the determined credit risk average value to compensate the corrected credit risk value of the enterprise to be credited, and judging whether to execute a credit request of the enterprise to be credited according to the compensated credit risk value.
Compared with the prior art, the method has the advantages that the risk information of the enterprise needing credit is acquired when the credit request of the enterprise needing credit is received, the credit risk value of the enterprise needing credit is acquired according to the risk information, whether the credit risk value of the enterprise needing credit is larger than the credit risk threshold value is judged, whether the credit request of the enterprise needing credit is continuously executed is determined, the credit risk value of the enterprise needing credit is determined according to the risk information of the enterprise needing credit, the credit request of the enterprise needing credit is rejected when the credit risk value of the enterprise needing credit is higher, the credit request of the enterprise needing credit is passed through the credit request of the credit enterprise when the credit risk value of the enterprise needing credit is lower, and subsequent credit request examination is continuously executed according to the credit request of the credit enterprise. According to the method and the system, after the credit risk assessment is carried out on the credit enterprise according to the risk information of the credit enterprise, whether the credit request of the enterprise is continuously executed is determined, so that the risk assessment result of the enterprise can be improved, the default risk of the enterprise after loan of a financial institution can be reduced, and the credit risk of the financial institution can be reduced.
In another aspect, the present invention further provides a supply chain financial management system for reducing the risk of default, comprising:
the system comprises an acquisition module, a credit processing module and a credit processing module, wherein the acquisition module is used for acquiring risk information of an enterprise needing credit when a credit request of the enterprise needing credit is received;
the processing module is used for acquiring a credit risk value of the enterprise needing credit according to the risk information;
and the judging module is used for judging whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold value, rejecting the credit request of the enterprise needing credit if the credit risk value of the enterprise needing credit is greater than the credit risk threshold value, and executing the credit request of the enterprise needing credit if the credit risk value of the enterprise needing credit is not greater than the credit risk threshold value.
Further, the risk information of the enterprise needing credit acquired by the acquisition module comprises: self risk information, associated risk information, historical risk information and administrative penalty information;
the processing module is further used for calculating a credit risk value according to the following formula when the credit risk value of the enterprise needing credit is acquired according to the risk information: cr = R1 × b1+ P × a2 × b2+ H × a3 × b3+ a × a4 × b4;
cr is a credit risk value, R is an associated risk quantity, P is a self risk quantity, H is a historical risk quantity, A is an administrative penalty quantity, a1 is an associated risk information grade, a2 is a self risk information grade, a3 is a historical risk information grade, a4 is an administrative penalty information grade, b1 is an associated risk information ratio, b2 is a self risk information ratio, b3 is a historical risk information ratio, b4 is an administrative penalty information ratio, and b1 is more than 0 and less than b2 and less than b3 and less than b4 and less than 1, and b1+ b2+ b3+ b4= 1.
Further, the processing module is further configured to, when acquiring the credit risk value of the enterprise needing credit according to the risk information, further acquire a supply chain in which the enterprise needing credit is located, and determine an upstream enterprise and a downstream enterprise in the supply chain in which the enterprise needing credit is located and with which business is going;
the judgment module is further used for determining a risk correction coefficient according to the liabilities between the enterprise needing credit and the upstream enterprise and between the enterprise needing credit and the downstream enterprise, correcting the credit risk value Cr according to the determined risk correction coefficient, comparing the corrected credit risk value with the credit risk threshold value, and judging whether to execute the credit request of the enterprise needing credit according to the comparison result.
Further, the processing module is also used for acquiring the total value W1 of the liability between the business needing credit and all upstream enterprises and the total value W2 of the liability between the business needing credit and all downstream enterprises respectively after determining the upstream enterprise and the downstream enterprise which have business traffic with the business needing credit;
the judging module is further used for setting a first preset liability difference value f1, a second preset liability difference value f2, a third preset liability difference value f3 and a fourth preset liability difference value f4, wherein f1 < f2 < f3 < f 4; the judgment module is also used for setting a first preset risk correction coefficient g1, a second preset risk correction coefficient g2, a third preset risk correction coefficient g3 and a fourth preset risk correction coefficient g4, and 1 & gt g1 & gt g2 & gt g3 & gt g4 & gt 0.8;
the judgment module is further used for selecting a risk correction coefficient according to the relationship between the difference between W1 and W2 and each preset liability difference so as to correct the credit risk value Cr:
when W1-W2 is less than or equal to 0, setting the risk correction coefficient to be 1.2, and correcting the credit risk value Cr to obtain a corrected credit risk value of 1.2 Cr;
when the value is more than 0 and less than or equal to W1 and less than or equal to W2 and less than or equal to f1, selecting the first preset risk correction coefficient g1 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr g 1;
when f1 is larger than W1-W2 is smaller than or equal to f2, selecting the second preset risk correction coefficient g2 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 2;
when f2 is larger than W1-W2 is smaller than or equal to f3, selecting the third preset risk correction coefficient g3 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 3;
when f3 is larger than W1-W2 is smaller than or equal to f4, selecting the fourth preset risk correction coefficient g4 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 4;
when f4 < W1-W2, the credit risk value Cr is corrected by setting the risk correction coefficient to 0.8, and the corrected credit risk value is 0.8 Cr.
Further, the judging module is further configured to determine a risk correction coefficient according to the liability between the enterprise needing credit and the upstream enterprise and the downstream enterprise, and correct the credit risk value Cr according to the determined risk correction coefficient:
determining all upstream companies which have business communication with the enterprise to be credited, respectively acquiring credit risk values of the upstream companies, determining a credit risk average value of the upstream companies, setting a compensation coefficient according to the determined credit risk average value to compensate the corrected credit risk value of the enterprise to be credited, and judging whether to execute a credit request of the enterprise to be credited according to the compensated credit risk value.
It can be understood that the supply chain financial management method and system for reducing the risk of breach described above have the same advantages and are not described herein again.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow chart of a supply chain financial management method for reducing the risk of default provided by an embodiment of the present invention;
FIG. 2 is a functional block diagram of a supply chain financial management system for reducing the risk of default according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
The embodiment of the invention discloses a supply chain financial management method for reducing default risks, which is applied to the process that a financial institution inspects a credit request of an enterprise when the enterprise applies for credit. Specifically, the method of the embodiment of the present invention performs credit risk assessment on the enterprise initiating the credit request after performing the credit request on the enterprise and before performing audit on the credit request of the enterprise, and after the enterprise initiating the credit request passes the credit risk assessment, the method may start the subsequent credit request for audit, and when the enterprise initiating the credit request cannot pass the credit risk assessment, the method rejects the credit request. The method of the invention can effectively reduce the credit default risk of the enterprise initiating the credit request by carrying out credit risk assessment on the enterprise initiating the credit request.
In the embodiment of the present invention, the enterprise needing credit is the enterprise initiating the credit request, and the credit request in the embodiment of the present invention may be a credit loan request or a financing request initiated by the enterprise.
Referring to fig. 1, the present embodiment provides a supply chain financial management method for reducing the risk of default, including the following steps:
step S101: and acquiring the risk information of the enterprise needing credit when the credit request of the enterprise needing credit is received.
Specifically, the acquired risk information of the enterprise needing credit includes: self risk information, associated risk information, historical risk information and administrative penalty information.
Specifically, the self risk information, the associated risk information, the historical risk information and the administrative penalty information can be obtained from the internet, and can also be obtained from an industrial and commercial information website, a credit platform website or a third-party commercial information platform or a third-party credit platform.
Those skilled in the art will appreciate that self risk information, associated risk information, historical risk information, and administrative penalty information may be obtained directly from the internet.
Step S102: and acquiring the credit risk value of the enterprise needing credit according to the risk information.
Specifically, when the credit risk value of the enterprise needing credit is obtained according to the risk information, the credit risk value is calculated according to the following formula: cr = R1 × b1+ P × a2 × b2+ H × a3 × b3+ a × a4 × b4;
cr is a credit risk value, R is an associated risk quantity, P is a self risk quantity, H is a historical risk quantity, A is an administrative penalty quantity, a1 is an associated risk information grade, a2 is a self risk information grade, a3 is a historical risk information grade, a4 is an administrative penalty information grade, b1 is an associated risk information ratio, b2 is a self risk information ratio, b3 is a historical risk information ratio, b4 is an administrative penalty information ratio, and b1 is more than 0 and less than b2 and less than b3 and less than b4 and less than 1, and b1+ b2+ b3+ b4= 1.
In the embodiment of the present invention, the associated risk number R is a data amount related to the associated risk of the enterprise, which is acquired from the associated risk information of the enterprise, for example, the associated risk number is 50, and at this time, R = 50. The number of self-risks P is the data amount of the self-risk information of the enterprise obtained from the self-risk information of the enterprise, for example, the number of self-risks is 80, and P =80 in this case. The historical risk number H is a data amount of the historical risk information of the enterprise obtained from the historical risk information, for example, the historical risk number is 75, and H =75 at this time. The administrative penalty number a is a data amount of the administrative penalty suffered by the enterprise, which is obtained from the administrative penalty information of the enterprise, for example, the administrative penalty number is 20, and at this time, a = 20.
In the embodiment of the present invention, the associated risk information level a1 is divided into four levels, i.e., a1=1, 2, 3, 4; the self risk information level a2 is divided into four levels of 1, 2, 3 and 4, i.e., a2=1, 2, 3, 4; the historical risk information level a3 is divided into four levels of 1, 2, 3 and 4, i.e., a3=1, 2, 3, 4; the administrative penalty information level a4 is divided into four levels of 1, 2, 3 and 4, i.e., a4=1, 2, 3, 4.
In the embodiment of the invention, the associated risk information grade a1 is determined according to the associated risk quantity R, and when the associated risk quantity R is larger, the grade of the associated risk information grade a1 is higher; the self risk information grade a2 is determined according to the self risk quantity P, and when the self risk quantity P is larger, the grade of the self risk information grade a2 is higher; the historical risk information grade a3 is determined according to the historical risk quantity H, and when the historical risk quantity H is larger, the grade of the historical risk information grade a3 is higher; the administrative penalty information level a4 is determined according to the administrative penalty amount a, and the level of the administrative penalty information level a4 is higher when the administrative penalty amount a is larger.
Specifically, when the specific levels of the associated risk information level a1, the self risk information level a2, the historical risk information level a3 and the administrative penalty information level a4 are determined, the level values may be determined according to the specific amounts of the associated risk amount R, the self risk amount P, the historical risk amount H and the administrative penalty amount a.
In the embodiment of the present invention, the associated risk information ratio b1, the self risk information ratio b2, the historical risk information ratio b3, and the administrative penalty information ratio b4 may be determined according to actual situations when determining, and b1, b2, b3, and b4 only need to satisfy b1+ b2+ b3+ b4= 1. b1, b2, b3, and b4 can be fractional or fractional.
Step S103: and judging whether the credit risk value of the enterprise needing credit is greater than the credit risk threshold value, if so, rejecting the credit request of the enterprise needing credit, and if not, executing the credit request of the enterprise needing credit.
Specifically, the credit risk threshold is a reference standard value, and the credit risk threshold can be obtained by calculating according to the calculation formula of the credit risk value, based on the self risk information, the associated risk information, the historical risk information and the administrative penalty information of each enterprise with excellent credit, which are acquired from the supply chain, and can be determined according to actual conditions.
In the embodiment of the invention, when the credit risk value of the enterprise needing credit is acquired according to the risk information, the supply chain of the enterprise needing credit is also acquired, and the upstream enterprise and the downstream enterprise which have business traffic with the enterprise needing credit in the supply chain are determined.
Specifically, a risk correction coefficient is determined according to liabilities between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, a credit risk value Cr is corrected according to the determined risk correction coefficient, the corrected credit risk value is compared with a credit risk threshold value, and whether a credit request of the enterprise needing credit is executed or not is judged according to a comparison result.
In the embodiment of the invention, after the upstream enterprise and the downstream enterprise which have business traffic with the credit-demanding enterprise are determined, the total value W1 of the liabilities between the credit-demanding enterprise and all the upstream enterprises and the total value W2 of the liabilities between the credit-demanding enterprise and all the downstream enterprises are respectively obtained.
Specifically, a first preset liability difference value f1, a second preset liability difference value f2, a third preset liability difference value f3 and a fourth preset liability difference value f4 are preset, and f1 < f2 < f3 < f 4; setting a first preset risk correction coefficient g1, a second preset risk correction coefficient g2, a third preset risk correction coefficient g3 and a fourth preset risk correction coefficient g4, wherein 1 > g1 > g2 > g3 > g4 > 0.8.
Specifically, the risk correction coefficient is selected according to the relationship between the difference between W1 and W2 and each preset liability difference to correct the credit risk value Cr:
when W1-W2 is less than or equal to 0, setting the risk correction coefficient to be 1.2, and correcting the credit risk value Cr to obtain a corrected credit risk value of 1.2 Cr;
when the value is more than 0 and less than or equal to W1 and less than or equal to W2 and less than or equal to f1, selecting a first preset risk correction coefficient g1 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr g 1;
when f1 is larger than W1-W2 is not smaller than f2, selecting a second preset risk correction coefficient g2 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 2;
when f2 is larger than W1-W2 is smaller than or equal to f3, selecting a third preset risk correction coefficient g3 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 3;
when f3 is larger than W1-W2 is smaller than or equal to f4, selecting a fourth preset risk correction coefficient g4 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 4;
when f4 < W1-W2, the credit risk value Cr is corrected by setting the risk correction coefficient to 0.8, and the corrected credit risk value is 0.8 Cr.
Specifically, after the risk correction coefficient m is selected to correct the credit risk value Cr, whether a credit request of a business needing credit is executed is judged according to the corrected credit risk value Cr m and a credit risk threshold value, wherein m is 1.2, g1, g2, g3, g4 or 0.8.
Specifically, setting a risk correction coefficient, correcting a credit risk value Cr according to the set risk correction coefficient, judging whether the corrected credit risk value Cr m is larger than a credit risk threshold value, if so, rejecting a credit request of a business needing credit, and if not, executing the credit request of the business needing credit.
It can be seen that the accuracy of acquiring the credit risk value Cr can be effectively improved and the accuracy of the judgment result can be further improved by selecting the risk correction coefficient according to the relationship between the difference between W1 and W2 and each preset liability difference to correct the credit risk value Cr, and after correcting the credit risk value Cr according to the set risk correction coefficient, judging whether the corrected credit risk value Cr is greater than the credit risk threshold value to determine whether to execute the credit request of the enterprise requiring credit.
In the embodiment of the invention, after determining the risk correction coefficient according to the liabilities between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, and correcting the credit risk value Cr according to the determined risk correction coefficient:
determining all upstream companies which have business communication with the enterprises needing credit, respectively obtaining the credit risk value of each upstream company, determining the credit risk average value of each upstream company, setting a compensation coefficient according to the determined credit risk average value to compensate the modified credit risk value of the enterprises needing credit, and judging whether to execute credit requests of the enterprises needing credit according to the compensated credit risk value.
The credit condition of the upstream enterprise is determined according to the acquired credit risk average value of the upstream enterprise and the credit evaluation result of the upstream enterprise, so that the debt risk problem of the enterprise needing credit is reflected, the final credit risk flat value is determined according to the debt risk of the enterprise needing credit, and the accuracy of the judgment result can be accurately improved.
Specifically, when the credit risk value of each upstream company is acquired and the average value of the credit risk of each upstream company is determined, the credit risk value Cr of each upstream company is calculated according to the calculation formula of the credit risk value Crn，CrnN =1, 2, 3.. times.n for the credit risk value of the nth upstream company, and n is the number of all upstream companies with business to business with the business to be credited.
Credit Risk value Cr of nth upstream companynCalculated according to the following formula:
Crn=Rn*a1n*b1n+Pn*a2n*b2n+Hn*a3n*b3n+An*a4n*b4n
wherein, CrnCredit risk value for nth upstream company, RnAn associated risk number, P, for the nth upstream companynIs the number of risks of the nth upstream company, HnIs the historical risk number of the nth upstream company, AnNumber of administrative penalties for nth upstream company，a1nFor the associated risk information rating of the nth upstream company, a2nFor the nth upstream company's own risk information rating, a3nFor the historical risk information rating of the nth upstream company, a4nFor the administrative penalty information rating of the nth upstream company, b1nAssociated risk information ratio value for nth upstream company, b2nRatio of self risk information for nth upstream company, b3nHistorical risk information ratio for nth upstream company, b4nThe administrative penalty information for the nth upstream company is ratioed, and 0 < b1 < b2 < b3 < b4 < 1, b1+ b2+ b3+ b4= 1.
Credit risk average Cr0= (Cr) for upstream companies1+Cr2+Cr3+...+Crn) N, where Cr0 is the credit risk average of n upstream companies, Cr1Credit risk value, Cr, for the 1 st upstream company2Credit risk value, Cr, for the 2 nd upstream company3Credit risk value, Cr, for the 3 rd upstream companynCredit risk value for the nth upstream company, n being the number of upstream companies.
Specifically, a first preset credit risk average value C1, a second preset credit risk average value C2, a third preset credit risk average value C3 and a fourth preset credit risk average value C4 are preset, and C1 < C2 < C3 < C4; a first preset compensation coefficient x1, a second preset compensation coefficient x2, a third preset compensation coefficient x3 and a fourth preset compensation coefficient x4 are preset, and x1 is more than 1 and more than x2 is more than x3 and more than x4 and more than 1.2.
Specifically, a compensation coefficient is selected according to the relation between the credit risk average Cr0 of the n upstream companies and each preset credit risk average, so as to compensate the credit risk value of the modified enterprise needing credit:
when Cr0 is less than or equal to C1, the credit risk value of the enterprise needing credit after correction does not need to be compensated;
when C is greater than C1 and less than Cr0 and less than C2, selecting a first preset compensation coefficient x1 to compensate the credit risk value of the modified enterprise needing credit;
when C is greater than C2 and less than Cr0 and less than C3, selecting a second preset compensation coefficient x2 to compensate the corrected credit risk value of the enterprise needing credit;
when C is greater than C3 and less than Cr0 and less than C4, selecting a third preset compensation coefficient x3 to compensate the corrected credit risk value of the enterprise needing credit;
when C4 is less than Cr0, a fourth preset compensation coefficient x4 is selected to compensate the corrected credit risk value of the enterprise needing credit.
Specifically, after the i-th preset compensation coefficient xi is selected to compensate the credit risk value of the modified enterprise needing credit, i =1, 2, 3, 4, the modified and compensated credit risk value is obtained, and the modified and compensated credit risk value is Cr m xi.
Specifically, after a compensation coefficient is set, the corrected credit risk value Cr m is compensated according to the set compensation coefficient, whether the compensated and corrected credit risk value Cr m xi is larger than a credit risk threshold value or not is judged, if yes, the credit request of the enterprise needing credit is refused, and if not, the credit request of the enterprise needing credit is executed.
It can be seen that, by selecting the compensation coefficient according to the relationship between the credit risk average value Cr0 of the n upstream companies and each preset credit risk average value to compensate the credit risk value of the modified enterprise to be credited, and determining whether the compensated and modified credit risk value Cr m xi is greater than the credit risk threshold value to determine whether to execute the credit request of the enterprise to be credited, the accuracy of the acquired credit risk value can be effectively improved, and the accuracy of the determination result of whether to execute the credit request of the enterprise to be credited can be improved.
In the embodiment of the invention, when a credit request of an enterprise needing credit is received, risk information of the enterprise needing credit is acquired, a credit risk value of the enterprise needing credit is acquired according to the risk information, and whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold value is judged, and then whether the credit request of the enterprise needing credit is continuously executed is determined. According to the method and the system, after the credit risk assessment is carried out on the credit enterprise according to the risk information of the credit enterprise, whether the credit request of the enterprise is continuously executed is determined, so that the risk assessment result of the enterprise can be improved, the default risk of the enterprise after loan of a financial institution can be reduced, and the credit risk of the financial institution can be reduced.
In another preferred implementation manner based on the above embodiment, referring to fig. 2, this implementation manner further provides a supply chain financial management system for reducing a risk of default, including:
the acquisition module 100 is used for acquiring the risk information of the enterprise needing credit when a credit request of the enterprise needing credit is received;
the processing module 200 is used for acquiring a credit risk value of the enterprise needing credit according to the risk information;
the judging module 300 is configured to judge whether the credit risk value of the enterprise needing credit is greater than the credit risk threshold, reject the credit request of the enterprise needing credit if the credit risk value is greater than the credit risk threshold, and execute the credit request of the enterprise needing credit if the credit risk value is not greater than the credit risk threshold.
Specifically, the risk information of the business requiring credit acquired by the acquisition module 100 includes: self risk information, associated risk information, historical risk information and administrative penalty information;
specifically, the processing module 200 is further configured to calculate the credit risk value according to the following formula when acquiring the credit risk value of the enterprise needing credit according to the risk information: cr = R1 × b1+ P × a2 × b2+ H × a3 × b3+ a × a4 × b4;
cr is a credit risk value, R is an associated risk quantity, P is a self risk quantity, H is a historical risk quantity, A is an administrative penalty quantity, a1 is an associated risk information grade, a2 is a self risk information grade, a3 is a historical risk information grade, a4 is an administrative penalty information grade, b1 is an associated risk information ratio, b2 is a self risk information ratio, b3 is a historical risk information ratio, b4 is an administrative penalty information ratio, and b1 is more than 0 and less than b2 and less than b3 and less than b4 and less than 1, and b1+ b2+ b3+ b4= 1.
Specifically, the processing module 200 is further configured to, when obtaining the credit risk value of the enterprise needing credit according to the risk information, further obtain the supply chain where the enterprise needing credit is located, and determine the upstream enterprise and the downstream enterprise with which the enterprise needing credit is located in the supply chain.
Specifically, the determining module 300 is further configured to determine a risk correction coefficient according to the liability between the enterprise needing credit and the upstream enterprise and the downstream enterprise, correct the credit risk value Cr according to the determined risk correction coefficient, compare the corrected credit risk value with the credit risk threshold, and determine whether to execute the credit request of the enterprise needing credit according to the comparison result.
Specifically, the processing module 200 is further configured to obtain the total liability value W1 between the business requiring credit and all upstream businesses and the total liability value W2 between the business requiring credit and all downstream businesses, respectively, after determining the upstream business and the downstream business having business traffic with the business requiring credit.
Specifically, the determining module 300 is further configured to set a first preset liability difference f1, a second preset liability difference f2, a third preset liability difference f3 and a fourth preset liability difference f4, where f1 < f2 < f3 < f 4; the determining module 300 is further configured to set a first preset risk correction coefficient g1, a second preset risk correction coefficient g2, a third preset risk correction coefficient g3, and a fourth preset risk correction coefficient g4, where 1 > g1 > g2 > g3 > g4 > 0.8.
Specifically, the determining module 300 is further configured to select a risk correction coefficient according to a relationship between the difference between W1 and W2 and each preset liability difference, so as to correct the credit risk value Cr:
when W1-W2 is less than or equal to 0, setting the risk correction coefficient to be 1.2, and correcting the credit risk value Cr to obtain a corrected credit risk value of 1.2 Cr;
when the value is more than 0 and less than or equal to W1 and less than or equal to W2 and less than or equal to f1, selecting a first preset risk correction coefficient g1 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr g 1;
when f1 is larger than W1-W2 is not smaller than f2, selecting a second preset risk correction coefficient g2 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 2;
when f2 is larger than W1-W2 is smaller than or equal to f3, selecting a third preset risk correction coefficient g3 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 3;
when f3 is larger than W1-W2 is smaller than or equal to f4, selecting a fourth preset risk correction coefficient g4 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 4;
when f4 < W1-W2, the credit risk value Cr is corrected by setting the risk correction coefficient to 0.8, and the corrected credit risk value is 0.8 Cr.
Specifically, the determining module 300 is further configured to, after determining the risk correction coefficient according to the liability between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, and correcting the credit risk value Cr according to the determined risk correction coefficient:
determining all upstream companies which have business communication with the enterprises needing credit, respectively obtaining the credit risk value of each upstream company, determining the credit risk average value of each upstream company, setting a compensation coefficient according to the determined credit risk average value to compensate the modified credit risk value of the enterprises needing credit, and judging whether to execute credit requests of the enterprises needing credit according to the compensated credit risk value.
In the embodiments, the risk information of the enterprise needing credit is acquired when the credit request of the enterprise needing credit is received, the credit risk value of the enterprise needing credit is acquired according to the risk information, and whether the credit risk value of the enterprise needing credit is larger than the credit risk threshold value is determined, so as to determine whether to continue to execute the credit request of the enterprise needing credit. According to the method and the system, after the credit risk assessment is carried out on the credit enterprise according to the risk information of the credit enterprise, whether the credit request of the enterprise is continuously executed is determined, so that the risk assessment result of the enterprise can be improved, the default risk of the enterprise after loan of a financial institution can be reduced, and the credit risk of the financial institution can be reduced.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solutions of the present invention and not for limiting the same, and although the present invention is described in detail with reference to the above embodiments, those of ordinary skill in the art should understand that: modifications and equivalents may be made to the embodiments of the invention without departing from the spirit and scope of the invention, which is to be covered by the claims.
Claims (10)
1. A supply chain financial management method for reducing the risk of a breach, comprising:
when a credit request of an enterprise needing credit is received, acquiring risk information of the enterprise needing credit;
acquiring a credit risk value of the enterprise needing credit according to the risk information;
and judging whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold value, if so, rejecting the credit request of the enterprise needing credit, and if not, executing the credit request of the enterprise needing credit.
2. The supply chain financial management method for reducing the risk of breach according to claim 1, wherein the acquired risk information of the business requiring credit comprises: self risk information, associated risk information, historical risk information and administrative penalty information;
when the credit risk value of the enterprise needing credit is obtained according to the risk information, the credit risk value is calculated according to the following formula: cr = R1 × b1+ P × a2 × b2+ H × a3 × b3+ a × a4 × b4;
cr is a credit risk value, R is an associated risk quantity, P is a self risk quantity, H is a historical risk quantity, A is an administrative penalty quantity, a1 is an associated risk information grade, a2 is a self risk information grade, a3 is a historical risk information grade, a4 is an administrative penalty information grade, b1 is an associated risk information ratio, b2 is a self risk information ratio, b3 is a historical risk information ratio, b4 is an administrative penalty information ratio, and b1 is more than 0 and less than b2 and less than b3 and less than b4 and less than 1, and b1+ b2+ b3+ b4= 1.
3. The supply chain financial management method for reducing the risk of breach according to claim 2, wherein when the credit risk value of the business requiring credit is obtained according to the risk information, the supply chain where the business requiring credit is located is also obtained, and the upstream business and the downstream business which have business with the business in the supply chain where the business requiring credit is located are determined;
and determining a risk correction coefficient according to the liabilities between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, correcting the credit risk value Cr according to the determined risk correction coefficient, comparing the corrected credit risk value with the credit risk threshold value, and judging whether to execute the credit request of the enterprise needing credit according to the comparison result.
4. The supply chain financial management method for reducing the risk of default according to claim 3, wherein after determining the upstream and downstream businesses with which the credit-requiring business is going, acquiring the total value of liability W1 between the credit-requiring business and all upstream businesses and the total value of liability W2 between the credit-requiring business and all downstream businesses, respectively;
setting a first preset liability difference value f1, a second preset liability difference value f2, a third preset liability difference value f3 and a fourth preset liability difference value f4, wherein f1 is more than f2 is more than f3 is more than f 4; setting a first preset risk correction coefficient g1, a second preset risk correction coefficient g2, a third preset risk correction coefficient g3 and a fourth preset risk correction coefficient g4, wherein 1 > g1 > g2 > g3 > g4 > 0.8;
selecting a risk correction coefficient according to the relation between the difference value between W1 and W2 and each preset liability difference value to correct the credit risk value Cr:
when W1-W2 is less than or equal to 0, setting the risk correction coefficient to be 1.2, and correcting the credit risk value Cr to obtain a corrected credit risk value of 1.2 Cr;
when the value is more than 0 and less than or equal to W1 and less than or equal to W2 and less than or equal to f1, selecting the first preset risk correction coefficient g1 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr g 1;
when f1 is larger than W1-W2 is smaller than or equal to f2, selecting the second preset risk correction coefficient g2 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 2;
when f2 is larger than W1-W2 is smaller than or equal to f3, selecting the third preset risk correction coefficient g3 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 3;
when f3 is larger than W1-W2 is smaller than or equal to f4, selecting the fourth preset risk correction coefficient g4 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 4;
when f4 < W1-W2, the credit risk value Cr is corrected by setting the risk correction coefficient to 0.8, and the corrected credit risk value is 0.8 Cr.
5. The supply chain financial management method for reducing the risk of breach according to claim 4, wherein after determining a risk correction factor according to the liabilities between the business requiring credit and the upstream and downstream businesses, respectively, and correcting the credit risk value Cr according to the determined risk correction factor:
determining all upstream companies which have business communication with the enterprise to be credited, respectively acquiring credit risk values of the upstream companies, determining a credit risk average value of the upstream companies, setting a compensation coefficient according to the determined credit risk average value to compensate the corrected credit risk value of the enterprise to be credited, and judging whether to execute a credit request of the enterprise to be credited according to the compensated credit risk value.
6. A supply chain financial management system for reducing the risk of a breach, comprising:
the system comprises an acquisition module, a credit processing module and a credit processing module, wherein the acquisition module is used for acquiring risk information of an enterprise needing credit when a credit request of the enterprise needing credit is received;
the processing module is used for acquiring a credit risk value of the enterprise needing credit according to the risk information;
and the judging module is used for judging whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold value, rejecting the credit request of the enterprise needing credit if the credit risk value of the enterprise needing credit is greater than the credit risk threshold value, and executing the credit request of the enterprise needing credit if the credit risk value of the enterprise needing credit is not greater than the credit risk threshold value.
7. The supply chain financial management system for reducing the risk of breach according to claim 6, wherein the risk information of the business requiring credit obtained by the obtaining module includes: self risk information, associated risk information, historical risk information and administrative penalty information;
the processing module is further used for calculating a credit risk value according to the following formula when the credit risk value of the enterprise needing credit is acquired according to the risk information: cr = R1 × b1+ P × a2 × b2+ H × a3 × b3+ a × a4 × b4;
cr is a credit risk value, R is an associated risk quantity, P is a self risk quantity, H is a historical risk quantity, A is an administrative penalty quantity, a1 is an associated risk information grade, a2 is a self risk information grade, a3 is a historical risk information grade, a4 is an administrative penalty information grade, b1 is an associated risk information ratio, b2 is a self risk information ratio, b3 is a historical risk information ratio, b4 is an administrative penalty information ratio, and b1 is more than 0 and less than b2 and less than b3 and less than b4 and less than 1, and b1+ b2+ b3+ b4= 1.
8. The supply chain financial management system for reducing the risk of breach according to claim 7, wherein the processing module is further configured to, when obtaining the credit risk value of the business requiring credit from the risk information, further obtain the supply chain in which the business requiring credit is located, and determine the upstream business and the downstream business with which the business requiring credit is located in the supply chain;
the judgment module is further used for determining a risk correction coefficient according to the liability between the enterprise needing credit and the upstream enterprise and the downstream enterprise respectively, correcting the credit risk value Cr according to the determined risk correction coefficient, comparing the corrected credit risk value with the credit risk threshold value, and judging whether to execute the credit request of the enterprise needing credit according to the comparison result.
9. The supply chain financial management system for reducing the risk of default according to claim 8, wherein the processing module is further configured to obtain a total liability value W1 between the credit-requiring enterprise and all upstream enterprises and a total liability value W2 between the credit-requiring enterprise and all downstream enterprises, respectively, after determining the upstream enterprise and the downstream enterprise having business traffic with the credit-requiring enterprise;
the judging module is further used for setting a first preset liability difference value f1, a second preset liability difference value f2, a third preset liability difference value f3 and a fourth preset liability difference value f4, wherein f1 < f2 < f3 < f 4; the judgment module is also used for setting a first preset risk correction coefficient g1, a second preset risk correction coefficient g2, a third preset risk correction coefficient g3 and a fourth preset risk correction coefficient g4, wherein 1 & gtg 1 & gtg 2 & gtg 3 & gtg 4 & gt0.8;
the judgment module is further used for selecting a risk correction coefficient according to the relationship between the difference between W1 and W2 and each preset liability difference so as to correct the credit risk value Cr:
when W1-W2 is less than or equal to 0, setting the risk correction coefficient to be 1.2, and correcting the credit risk value Cr to obtain a corrected credit risk value of 1.2 Cr;
when the value is more than 0 and less than or equal to W1 and less than or equal to W2 and less than or equal to f1, selecting the first preset risk correction coefficient g1 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr g 1;
when f1 is larger than W1-W2 is smaller than or equal to f2, selecting the second preset risk correction coefficient g2 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 2;
when f2 is larger than W1-W2 is smaller than or equal to f3, selecting the third preset risk correction coefficient g3 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 3;
when f3 is larger than W1-W2 is smaller than or equal to f4, selecting the fourth preset risk correction coefficient g4 to correct the credit risk value Cr, wherein the corrected credit risk value is Cr x g 4;
when f4 < W1-W2, the credit risk value Cr is corrected by setting the risk correction coefficient to 0.8, and the corrected credit risk value is 0.8 Cr.
10. The supply chain financial management system for reducing the risk of default according to claim 9, wherein the determining module is further configured to, after determining a risk correction factor according to the liabilities between the business requiring credit and the upstream business and the downstream business, respectively, and correcting the credit risk value Cr according to the determined risk correction factor:
determining all upstream companies which have business communication with the enterprise to be credited, respectively acquiring credit risk values of the upstream companies, determining a credit risk average value of the upstream companies, setting a compensation coefficient according to the determined credit risk average value to compensate the corrected credit risk value of the enterprise to be credited, and judging whether to execute a credit request of the enterprise to be credited according to the compensated credit risk value.
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| US20180075695A1 (en) * | 2016-09-15 | 2018-03-15 | Erik Mowery Simpson | Implementations of various methods to create economic incentives to directly link users of a social network or social network reality game to actual projects and people within a charity or developing world area |
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