CN108629686A - Internet financial company reference risk analysis method based on big data and system - Google Patents
Internet financial company reference risk analysis method based on big data and system Download PDFInfo
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- CN108629686A CN108629686A CN201810436340.7A CN201810436340A CN108629686A CN 108629686 A CN108629686 A CN 108629686A CN 201810436340 A CN201810436340 A CN 201810436340A CN 108629686 A CN108629686 A CN 108629686A
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Abstract
The invention discloses a kind of internet financial company reference risk analysis method and system based on big data.The method includes：By the reference information for acquiring internet financial company, pass through collected reference information, build the relevant reference risk evaluation model of internet financial company, pass through the reference risk evaluation model of structure, the reference risk of internet financial company is assessed, judges whether to be suitble to carry out financial transaction with it for internet financial platform.Internet financial company reference risk analysis method provided by the invention based on big data, accurately the reference of internet financial company can be assessed, and then provide accurately and effectively reference assessment for internet financial platform, the risk control ability for improving networking financial platform, reduces the risk that internet financial platform goes wrong.
Description
Technical field
It is the present invention relates to internet financial company reference analysis technical field, more particularly to a kind of based on the mutual of big data
Networking financial company's reference risk analysis method and system.
Background technology
Existing internet financial platform is come pair generally by company information under the line for collecting internet financial company
The simple reference assessment of its reference progress, but enterprise's reference high labor cost under traditional wire, covering enterprise dominant is less, difficult
Enough to meet the extensive credit evaluation demand in internet credit field, in addition, there is also reference analysis productions on some lines at present
Product, but reference analysis product lacks the depth excavation to the reference information of internet financial company, credit scoring on these lines
Standard is chaotic, it is difficult to achieve the purpose that avoid financial risks by reference assessment.
Invention content
In order to solve problems in the prior art, the internet finance based on big data that an embodiment of the present invention provides a kind of
Enterprise's reference risk analysis method and system.The technical solution is as follows：
On the one hand, the internet financial company reference risk analysis based on big data that an embodiment of the present invention provides a kind of
Method, the method includes：
The reference information of internet financial company is acquired, the reference information includes：Enterprise's essential information, administrative penalty
Information, administrative permission information, public feelings information, talents information, capital operation information, bidding information, lawsuit letter
At least one of breath, intellectual property information, operation exception information, enterprise annual reports information；
Pass through collected reference information, the relevant reference risk evaluation model of structure internet financial company；
By the reference risk evaluation model of structure, the reference risk of internet financial company is assessed, for interconnection
Net financial platform judges whether to be suitble to carry out financial transaction with it.
In the above-mentioned internet financial company reference risk analysis method of the embodiment of the present invention, the acquisition internet
The reference information of financial company, including：
Acquisition is realized based on selenium webdriver, using phantomjs browser engines, to acquire internet
The reference information of financial company.
It is described by collecting in the above-mentioned internet financial company reference risk analysis method of the embodiment of the present invention
Reference information, structure internet financial company relevant reference risk evaluation model, including：
Using collected reference information, reference feature extraction and analysis are carried out to internet financial company, to build mutually
The relevant reference risk evaluation model of networking financial company, the reference feature include：Registered capital ranking, accumulative patent row
Name, copyright ranking, negative public sentiment ranking, investments abroad ranking, lawsuit ranking, enterprises ' industry risk trend, enterprise are competing
Strive at least one of power.
It is described by collecting in the above-mentioned internet financial company reference risk analysis method of the embodiment of the present invention
Reference information, structure internet financial company relevant reference risk evaluation model further includes：
Using collected reference feature, using credit scoring snap gauge type, to build the relevant sign of internet financial company
Believe risk evaluation model.
On the other hand, the internet financial company reference risk based on big data that an embodiment of the present invention provides a kind of point
Analysis system, including：
Acquisition module, the reference information for acquiring internet financial company, the reference information include：Enterprise is basic
Information, administrative penalty information, administrative permission information, public feelings information, talents information, capital operation information, bidding information letter
At least one of breath, lawsuit information, intellectual property information, operation exception information, enterprise annual reports information；
Module is built, for by collected reference information, the relevant reference risk of structure internet financial company to be commented
Estimate model；
Processing module, for the reference risk evaluation model by building, to the reference risk of internet financial company into
Row assessment judges whether to be suitble to carry out financial transaction with it for internet financial platform.
In the above-mentioned internet financial company reference risk analysis system of the embodiment of the present invention, the acquisition module, also
It is realized based on selenium webdriver for acquiring, using phantomjs browser engines, to acquire internet finance
The reference information of enterprise.
In the above-mentioned internet financial company reference risk analysis system of the embodiment of the present invention, the structure module, also
For utilizing collected reference information, reference feature extraction and analysis are carried out to internet financial company, to build internet
The relevant reference risk evaluation model of financial company, the reference feature include：Registered capital ranking, writes accumulative patent ranking
Work power ranking, negative public sentiment ranking, investments abroad ranking, lawsuit ranking, enterprises ' industry risk trend, enterprise competitiveness
At least one of.
In the above-mentioned internet financial company reference risk analysis system of the embodiment of the present invention, the structure module, also
For utilizing collected reference feature, using credit scoring snap gauge type, to build the relevant reference wind of internet financial company
Dangerous assessment models.
The advantageous effect that technical solution provided in an embodiment of the present invention is brought is：
By acquiring the reference information of internet financial company, and pass through collected reference information, structure internet gold
Melt the relevant reference risk evaluation model of enterprise, finally by the reference risk evaluation model of structure, to internet financial company
Reference risk assessed, judge whether to be suitble to it carry out financial transaction for internet financial platform, in this way can be accurate
The reference of internet financial company is assessed on ground, and then provides accurately and effectively reference assessment for internet financial platform,
The risk control ability for improving networking financial platform, reduces the risk that internet financial platform goes wrong.In addition, acquisition
Reference information contain the diffusion channel of whole internet financial companies website, ensure that the integrality for finding range, can be with
So that internet financial platform monitors the credit standing of internet financial company from multiple dimensions, for subsequent reference risk point
Analysis assessment provides reliable data and supports.
Description of the drawings
To describe the technical solutions in the embodiments of the present invention more clearly, required in being described below to embodiment
The attached drawing used is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention,
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings
Other attached drawings.
Fig. 1 is a kind of internet financial company reference risk analysis based on big data that the embodiment of the present invention one provides
Method flow diagram；
Fig. 2 is a kind of internet financial company reference risk analysis based on big data provided by Embodiment 2 of the present invention
The structural schematic diagram of system.
Specific implementation mode
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached drawing to embodiment party of the present invention
Formula is described in further detail.
Embodiment one
An embodiment of the present invention provides a kind of internet financial company reference risk analysis method based on big data is fitted
The reference risk of internet financial company is assessed for internet financial platform, referring to Fig. 1, this method may include：
Step S11, acquires the reference information of internet financial company, and reference information includes：Enterprise's essential information, administration
Punish information, administrative permission information, public feelings information, talents information, capital operation information, bidding information, lawsuit letter
At least one of breath, intellectual property information, operation exception information, enterprise annual reports information.
In the present embodiment, internet financial company refers to finance activities (such as the credit for participating in internet financial platform
Deng) enterprise, the references of these enterprises is assessed (for example whether with repaying ability etc.), to judge whether to have
Financial risks realizes the management and control of financial risks convenient for internet financial platform, reduces the wind that internet financial platform goes wrong
Danger.
In the present embodiment, the reference information of internet financial company includes：Enterprise's essential information (such as the base of enterprise
This industry and commerce data), administrative penalty information, administrative permission information, public feelings information (such as various just negative news), Ren Caixin
Cease (such as department's age of employee, the length of service, educational background, recruitment information etc.), capital operation information (such as：Company's financing information, equity
Pledge information, chattel mortgage, investments abroad information etc.), bidding information, lawsuit information (such as enterprise correlation judge's text
Book, announcement of court session, executed person information, people's information etc. of breaking one's promise), intellectual property information (such as：Enterprise trademark, patent, works
Power, software copyright, certificate information etc.), manage exception information, enterprise annual reports information (such as enterprise's industry and commerce annual report assertions etc.)
At least one of, above-mentioned reference information contains the diffusion channel of whole internet financial companies website, ensure that discovery model
The integrality enclosed, acquisition above- mentioned information can more fully understand the reference situation of internet financial company.
Specifically, above-mentioned steps S11 can be realized in the following way：
Acquisition is realized based on selenium webdriver, using phantomjs browser engines, to acquire internet
The reference information of financial company can simulate the behavior that user uses browser completely in this way, solve golden in gatherer process
Melt the anti-technical barrier for crawling confrontation of portal, and then more convenient the phase for getting enough internet financial companies
Close reference information.
In the present embodiment, analysis is carried out according to the presentation technology of business data channel to complete to crawl business data,
And data cleansing, information fusion, information tissue, letter are passed through according to data shape feature, such as table, PDF unstructured datas
The modes such as breath extraction, Information Authentication carry out structuring to data and enter library storage；Acquired data use big data storage rack
Structural data is managed using MySQL database by structure in advance, and outbound data service is then distributed by indexing
Elastic Search and caching Redis technologies realize the quick access of business.
Step S12 passes through collected reference information, the relevant reference risk assessment mould of structure internet financial company
Type.
Specifically, above-mentioned steps S12 can be realized in the following way：
A carries out reference feature extraction and analysis, to build using collected reference information to internet financial company
The relevant reference risk evaluation model of internet financial company, the reference feature include：Registered capital ranking, accumulative patent row
Name, copyright ranking, negative public sentiment ranking, investments abroad ranking, lawsuit ranking, enterprises ' industry risk trend, enterprise are competing
Strive at least one of power.
In practical applications, first collected reference information is analyzed, specifically：
(1), trade division analysis is carried out to internet financial company：For industrial and commercial data (i.e. enterprise's essential information) into
Row trade classification, first analysis company name (such as：Ename fields), it is matched with trade classification antistop list, if company
Comprising (or hit) keyword in name, then judge the said firm for the industry belonging to corresponding keyword；If company name can not match
On, then continue analyze business scope (such as：BusinessScope fields), it is matched with trade classification antistop list, because
Multiple keywords may be hit for business scope, so record hits the number of each industry keyword, each industry is calculated and closes
Keyword hit rate (hit keyword quantity/all keyword quantity of the sector), it is belonging to the said firm to take the industry to shoot straight
Industry.
(2) to the positive and negative surface analysis of news public sentiment of internet financial company：Using Feeling System from the short of transmission on Internet
Emotion information is extracted in the words such as text, webpage comment, article or comment are checked, section of the analysis with subjective opinion
Sentence is fallen, sentence is finely divided, extraction theme, opinion promoter, related opinions, and just negative point is carried out to these opinions
Analysis allows system to differentiate emotion automatically just negative, and is summarized automatically.
(3) to enterprise's atlas analysis of internet financial company：The data relationship of drafting enterprise, including (judgement document,
The relevant informations such as law court's bulletin, history legal person, history shareholder, senior executive, shareholder, investments abroad).
(4) to the investment atlas analysis of internet financial company：The data relationship between enterprise is drawn, including (enterprise is high
Pipe, enterprise's essential information, the investing tips such as enterprise branch office).
After carrying out above-mentioned processing to the reference information for acquiring internet financial company, extracted in the following way
Reference feature：
(1) registered capital ranking designs：Registered enterprise fund area ranking, national ranking.
(2) add up patent ranking design：Enterprise adds up patent area ranking, national ranking.
(3) copyright ranking designs：Enterprise's copyright number area ranking, national ranking.
(4) software copyright ranking designs：Software copyright area ranking, national ranking.
(5) negative public sentiment ranking design：The negative public sentiment number of enterprise, influence degree, regional ranking statistics, national ranking
Statistics.
(6) investments abroad ranking designs：Enterprise's investments abroad ranking, regional statistics, whole nation statistics.
(7) lawsuit spectrum ranking design：Enterprise's lawsuit data rank, regional ranking, national ranking.
(8) enterprises ' industry risk trend designs：Enterprises ' industry risk is calculated according to other dimension precedence datas of enterprise to become
Gesture.
(9) enterprise competitiveness designs：Other comprehensive dimension enterprise statistics data results calculate enterprise competitiveness.
By the extraction of above-mentioned reference feature, the credit standing of internet financial company can be monitored from multiple dimensions, is
Subsequent reference risk analysis assessment provides reliable data and supports.
B, it is relevant to build internet financial company using credit scoring snap gauge type using collected reference feature
Reference risk evaluation model.
In the present embodiment, the model of credit scoring is exactly that logistic is returned, this is a kind of two classification dependent variable of processing
Generalized linear model, principle is by model variable evidence weight (Weight of Evidence, referred to as " WOE ") coding
A kind of generalized linear model of two classified variable carried out with logistic regression models after mode discretization.
Step S13 comments the reference risk of internet financial company by the reference risk evaluation model of structure
Estimate, judges whether to be suitble to carry out financial transaction with it for internet financial platform.
It in the present embodiment, can be accurately to internet financial company by the reference risk evaluation model of structure
Reference is assessed, and then provides accurately and effectively reference assessment for internet financial platform, improves networking financial platform
Risk control ability reduces the risk that internet financial platform goes wrong.
The embodiment of the present invention is by acquiring the reference information of internet financial company, and by collected reference information,
The relevant reference risk evaluation model of internet financial company is built, finally by the reference risk evaluation model of structure, to mutual
The reference risk of networking financial company is assessed, and judges whether to be suitble to carry out financial transaction with it for internet financial platform,
Accurately the reference of internet financial company can be assessed in this way, and then provide for internet financial platform and accurately have
The reference of effect is assessed, and is improved the risk control ability of networking financial platform, is reduced the wind that internet financial platform goes wrong
Danger.In addition, the reference information of acquisition contains the diffusion channel of whole internet financial companies website, discovery range ensure that
Integrality, can make internet financial platform from multiple dimensions monitor internet financial company credit standing, be follow-up
Reference risk analysis assessment reliable data be provided support.
Embodiment two
An embodiment of the present invention provides a kind of the internet financial company reference risk analysis system based on big data, reality
The method described in embodiment one is applied, referring to Fig. 2, which may include：Acquisition module 100, structure module 200, processing mould
Block 300.
Acquisition module 100, the reference information for acquiring internet financial company, reference information include：Enterprise believes substantially
Breath, administrative penalty information, administrative permission information, public feelings information, talents information, capital operation information, bidding information, law
At least one of actionable information, intellectual property information, operation exception information, enterprise annual reports information.
In the present embodiment, internet financial company refers to finance activities (such as the credit for participating in internet financial platform
Deng) enterprise, the references of these enterprises is assessed (for example whether with repaying ability etc.), to judge whether to have
Financial risks realizes the management and control of financial risks convenient for internet financial platform, reduces the wind that internet financial platform goes wrong
Danger.
In the present embodiment, the reference information of internet financial company includes：Enterprise's essential information (such as the base of enterprise
This industry and commerce data), administrative penalty information, administrative permission information, public feelings information (such as various just negative news), Ren Caixin
Cease (such as department's age of employee, the length of service, educational background, recruitment information etc.), capital operation information (such as：Company's financing information, equity
Pledge information, chattel mortgage, investments abroad information etc.), bidding information, lawsuit information (such as enterprise correlation judge's text
Book, announcement of court session, executed person information, people's information etc. of breaking one's promise), intellectual property information (such as：Enterprise trademark, patent, works
Power, software copyright, certificate information etc.), manage exception information, enterprise annual reports information (such as enterprise's industry and commerce annual report assertions etc.)
At least one of, above-mentioned reference information contains the diffusion channel of whole internet financial companies website, ensure that discovery model
The integrality enclosed, acquisition above- mentioned information can more fully understand the reference situation of internet financial company.
Module 200 is built, for passing through collected reference information, the relevant reference wind of structure internet financial company
Dangerous assessment models.
Processing module 300, for the reference risk evaluation model by building, to the reference wind of internet financial company
Danger is assessed, and judges whether to be suitble to carry out financial transaction with it for internet financial platform.
It in the present embodiment, can be accurately to internet financial company by the reference risk evaluation model of structure
Reference is assessed, and then provides accurately and effectively reference assessment for internet financial platform, improves networking financial platform
Risk control ability reduces the risk that internet financial platform goes wrong.
Specifically, acquisition module 100 are additionally operable to acquisition and are realized based on selenium webdriver, used
Phantomjs browser engines, to acquire the reference information of internet financial company, can simulate user completely in this way makes
With the behavior of browser, solves the anti-technical barrier for crawling confrontation of financial portal in gatherer process, and then more convenient
The related reference information of enough internet financial companies must be got.
In the present embodiment, analysis is carried out according to the presentation technology of business data channel to complete to crawl business data,
And data cleansing, information fusion, information tissue, letter are passed through according to data shape feature, such as table, PDF unstructured datas
The modes such as breath extraction, Information Authentication carry out structuring to data and enter library storage；Acquired data use big data storage rack
Structural data is managed using MySQL database by structure in advance, and outbound data service is then distributed by indexing
Elastic Search and caching Redis technologies realize the quick access of business.
Specifically, module 200 is built, is additionally operable to utilize collected reference information, financial company levies to internet
Believe feature extraction and analysis, to build the relevant reference risk evaluation model of internet financial company, which includes：
Registered capital ranking, accumulative patent ranking, copyright ranking, negative public sentiment ranking, investments abroad ranking, lawsuit ranking,
At least one of enterprises ' industry risk trend, enterprise competitiveness.
In practical applications, first collected reference information is analyzed, specifically：
(1), trade division analysis is carried out to internet financial company：For industrial and commercial data (i.e. enterprise's essential information) into
Row trade classification, first analysis company name (such as：Ename fields), it is matched with trade classification antistop list, if company
Comprising (or hit) keyword in name, then judge the said firm for the industry belonging to corresponding keyword；If company name can not match
On, then continue analyze business scope (such as：BusinessScope fields), it is matched with trade classification antistop list, because
Multiple keywords may be hit for business scope, so record hits the number of each industry keyword, each industry is calculated and closes
Keyword hit rate (hit keyword quantity/all keyword quantity of the sector), it is belonging to the said firm to take the industry to shoot straight
Industry.
(2) to the positive and negative surface analysis of news public sentiment of internet financial company：Using Feeling System from the short of transmission on Internet
Emotion information is extracted in the words such as text, webpage comment, article or comment are checked, section of the analysis with subjective opinion
Sentence is fallen, sentence is finely divided, extraction theme, opinion promoter, related opinions, and just negative point is carried out to these opinions
Analysis allows system to differentiate emotion automatically just negative, and is summarized automatically.
(3) to enterprise's atlas analysis of internet financial company：The data relationship of drafting enterprise, including (judgement document,
The relevant informations such as law court's bulletin, history legal person, history shareholder, senior executive, shareholder, investments abroad).
(4) to the investment atlas analysis of internet financial company：The data relationship between enterprise is drawn, including (enterprise is high
Pipe, enterprise's essential information, the investing tips such as enterprise branch office).
After carrying out above-mentioned processing to the reference information for acquiring internet financial company, extracted in the following way
Reference feature：
(1) registered capital ranking designs：Registered enterprise fund area ranking, national ranking.
(2) add up patent ranking design：Enterprise adds up patent area ranking, national ranking.
(3) copyright ranking designs：Enterprise's copyright number area ranking, national ranking.
(4) software copyright ranking designs：Software copyright area ranking, national ranking.
(5) negative public sentiment ranking design：The negative public sentiment number of enterprise, influence degree, regional ranking statistics, national ranking
Statistics.
(6) investments abroad ranking designs：Enterprise's investments abroad ranking, regional statistics, whole nation statistics.
(7) lawsuit spectrum ranking design：Enterprise's lawsuit data rank, regional ranking, national ranking.
(8) enterprises ' industry risk trend designs：Enterprises ' industry risk is calculated according to other dimension precedence datas of enterprise to become
Gesture.
(9) enterprise competitiveness designs：Other comprehensive dimension enterprise statistics data results calculate enterprise competitiveness.
By the extraction of above-mentioned reference feature, the credit standing of internet financial company can be monitored from multiple dimensions, is
Subsequent reference risk analysis assessment provides reliable data and supports.
Further, module 200 is built, is additionally operable to utilize collected reference feature, using credit scoring snap gauge type,
To build the relevant reference risk evaluation model of internet financial company.
In the present embodiment, the model of credit scoring is exactly that logistic is returned, this is a kind of two classification dependent variable of processing
Generalized linear model, principle be will after model variable WOE coding modes discretization with logistic regression models into
A kind of generalized linear model of capable two classified variable.
The embodiment of the present invention is by acquiring the reference information of internet financial company, and by collected reference information,
The relevant reference risk evaluation model of internet financial company is built, finally by the reference risk evaluation model of structure, to mutual
The reference risk of networking financial company is assessed, and judges whether to be suitble to carry out financial transaction with it for internet financial platform,
Accurately the reference of internet financial company can be assessed in this way, and then provide for internet financial platform and accurately have
The reference of effect is assessed, and is improved the risk control ability of networking financial platform, is reduced the wind that internet financial platform goes wrong
Danger.In addition, the reference information of acquisition contains the diffusion channel of whole internet financial companies website, discovery range ensure that
Integrality, can make internet financial platform from multiple dimensions monitor internet financial company credit standing, be follow-up
Reference risk analysis assessment reliable data be provided support.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
It should be noted that：The internet financial company reference risk analysis based on big data that above-described embodiment provides
System is when realizing the internet financial company reference risk analysis method based on big data, only with above-mentioned each function module
It divides and carries out for example, in practical application, it can be complete by different function modules by above-mentioned function distribution as needed
At the internal structure of equipment being divided into different function modules, to complete all or part of the functions described above.
In addition, the internet financial company reference risk analysis system based on big data that provides of above-described embodiment be based on big data
Internet financial company reference risk analysis method embodiment belong to same design, specific implementation process refers to method reality
Example is applied, which is not described herein again.
One of ordinary skill in the art will appreciate that realizing that all or part of step of above-described embodiment can pass through hardware
It completes, relevant hardware can also be instructed to complete by program, the program can be stored in a kind of computer-readable
In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all the present invention spirit and
Within principle, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention.
Claims (8)
1. a kind of internet financial company reference risk analysis method based on big data, which is characterized in that including：
The reference information of internet financial company is acquired, the reference information includes：Enterprise's essential information, administrative penalty information,
Administrative permission information, public feelings information, talents information, capital operation information, bidding information, lawsuit information, knowledge
At least one of property information, operation exception information, enterprise annual reports information；
Pass through collected reference information, the relevant reference risk evaluation model of structure internet financial company；
By the reference risk evaluation model of structure, the reference risk of internet financial company is assessed, for internet gold
Melt platform to judge whether to be suitble to carry out financial transaction with it.
2. according to the method described in claim 1, it is characterized in that, the reference information of the acquisition internet financial company, packet
It includes：
Acquisition is realized based on selenium webdriver, using phantomjs browser engines, to acquire internet finance enterprise
The reference information of industry.
3. according to the method described in claim 1, it is characterized in that, described pass through collected reference information, structure internet
The relevant reference risk evaluation model of financial company, including：
Using collected reference information, reference feature extraction and analysis are carried out to internet financial company, to build internet
The relevant reference risk evaluation model of financial company, the reference feature include：Registered capital ranking, writes accumulative patent ranking
In work power ranking, negative public sentiment ranking, investments abroad ranking, lawsuit ranking, enterprises ' industry risk trend, enterprise competitiveness
It is at least one.
4. according to the method described in claim 3, it is characterized in that, described pass through collected reference information, structure internet
The relevant reference risk evaluation model of financial company further includes：
Using collected reference feature, using credit scoring snap gauge type, to build the relevant reference wind of internet financial company
Dangerous assessment models.
5. a kind of internet financial company reference risk analysis system based on big data, which is characterized in that including：
Acquisition module, the reference information for acquiring internet financial company, the reference information include：Enterprise's essential information,
Administrative penalty information, administrative permission information, public feelings information, talents information, capital operation information, bidding information, law
At least one of actionable information, intellectual property information, operation exception information, enterprise annual reports information；
Module is built, for passing through collected reference information, the relevant reference risk assessment mould of structure internet financial company
Type；
Processing module comments the reference risk of internet financial company for the reference risk evaluation model by building
Estimate, judges whether to be suitble to carry out financial transaction with it for internet financial platform.
6. system according to claim 5, which is characterized in that the acquisition module is additionally operable to acquisition and is based on selenium
Webdriver is realized, using phantomjs browser engines, to acquire the reference information of internet financial company.
7. system according to claim 5, which is characterized in that the structure module is additionally operable to utilize collected reference
Information carries out reference feature extraction and analysis, to build the relevant reference wind of internet financial company to internet financial company
Dangerous assessment models, the reference feature include：Registered capital ranking, accumulative patent ranking, copyright ranking, negative public sentiment row
At least one of name, investments abroad ranking, lawsuit ranking, enterprises ' industry risk trend, enterprise competitiveness.
8. system according to claim 7, which is characterized in that the structure module is additionally operable to utilize collected reference
Feature, using credit scoring snap gauge type, to build the relevant reference risk evaluation model of internet financial company.
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| CN109766359A (en) * | 2018-12-26 | 2019-05-17 | 科大国创软件股份有限公司 | A kind of credit main body comprehensive analysis management system and method |
| CN110009487A (en) * | 2019-04-10 | 2019-07-12 | 湖北风口网络科技有限公司 | A kind of finance debt-credit methods of risk assessment and system |
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| CN110738414A (en) * | 2019-10-15 | 2020-01-31 | 北京明略软件系统有限公司 | risk prediction method and device and computer readable storage medium |
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