CN104134125A - Operational risk quantitative method and system for small loan companies - Google Patents
Operational risk quantitative method and system for small loan companies Download PDFInfo
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- CN104134125A CN104134125A CN201410379764.6A CN201410379764A CN104134125A CN 104134125 A CN104134125 A CN 104134125A CN 201410379764 A CN201410379764 A CN 201410379764A CN 104134125 A CN104134125 A CN 104134125A
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- 238000004445 quantitative analysis Methods 0.000 title abstract 3
- 238000011002 quantification Methods 0.000 claims abstract description 35
- 238000011156 evaluation Methods 0.000 claims abstract description 22
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- 238000004364 calculation method Methods 0.000 claims abstract description 11
- 238000012502 risk assessment Methods 0.000 claims description 47
- 238000004140 cleaning Methods 0.000 claims description 18
- 238000012545 processing Methods 0.000 claims description 15
- 238000013139 quantization Methods 0.000 claims description 14
- 238000004458 analytical method Methods 0.000 description 2
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Abstract
The invention discloses an operational risk quantitative method and system for small loan companies, and relates to the field of operational risk quantitation. The method comprises the steps of obtaining business data of the small loan companies which need operational risk quantitation, enabling the business data to form risk quantification data of the uniform standard format, calculating the risk quantification data to obtain risk evaluation values, conducting weighted average on the risk evaluation values of all the small loan companies, obtaining the standard risk value through calculation, comparing the risk evaluation value of each small loan company with the standard risk value, obtaining the risk percentage numerical value of each small loan company through calculation, evaluating the risk grade according to the risk percentage numerical value of each small loan company, and evaluating the operational risk of each small loan company according to the corresponding risk grade. According to the operational risk quantitative method and system, the objective judgment standard can be built, unified supervision is conveniently carried out by a supervision department of the financial industry, working efficiency is higher, data statistics is comprehensive, and the operational risk of each small loan company is more accurately evaluated.
Description
Technical field
The present invention relates to operations risks and quantize field, be specifically related to a kind of operations risks quantization method and system for small-loan company.
Background technology
Little Dai company (being small-loan company) invests by nature person, business entity and other social organizations a kind of Ltd or the incorporated company that does not absorb public deposit and manage petty load business setting up.
Existing little Dai company generally by manually adopting mode qualitatively to analyze operations risks, there is following shortcoming:
(1) subjective by manual analysis operations risks, is difficult to set up the unified operations risks criterion of industry, causes the areal variation of the sector, and the supervision department of financial industry is difficult to unified supervision.
(2) manually adopt mode qualitatively to analyze the work efficiency of operations risks lower, not only be difficult to meet the demand of industry development, and manually adopt when mode is analyzed operations risks qualitatively, the limited space of the data sample adopting, the error of judged result is larger.
Summary of the invention
For the defect existing in prior art, the object of the present invention is to provide a kind of operations risks quantization method and system for small-loan company, the present invention can set up 1 objective criterion, the supervision department of being convenient to financial industry unifies supervision, not only work efficiency is higher, and data statistics of the present invention is more comprehensive, the operations risks of evaluating each little Dai company is more accurate.
For reaching above object, the technical scheme that the present invention takes is: a kind of operations risks quantization method for small-loan company, comprises the following steps:
A, obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value;
B, the risk assessment value of all little Dai company is weighted on average, calculates standard risk value; By risk assessment value and the comparison of standard risk value of each little Dai company, calculate the percentage risk numerical value of each little Dai company; According to the percentage risk numerical value evaluation risk class of each little Dai company, evaluate the operations risks of each little Dai company according to risk class, finish.
On the basis of technique scheme, business datum described in steps A comprises that the macroeconomy data of operation data, little Dai company the industry of little Dai company and little Dai company are at tax data.
On the basis of technique scheme, between steps A and B, comprise the following steps: whether judgement need to be carried out the risk assessment value of all little Dai company of operations risks quantification and calculated, and if so, forwards step B to, otherwise re-executes steps A.
On the basis of technique scheme, described in step B, the risk assessment value of all little Dai company is weighted on average, while calculating standard risk value, adopt following formula: P1=Pn/n, wherein P1 is standard risk value, Pn be the risk assessment value of all little Dai company after weighted calculation and, n is the quantity of little Dai company.
On the basis of technique scheme, described in step B by risk assessment value and the comparison of standard risk value of each little Dai company, while calculating the percentage risk numerical value of each little Dai company, adopt following formula: P%=|P2-P1|/P1, wherein P% is the percentage risk numerical value of current little Dai company, P2 is the risk assessment value of current little Dai company, and P1 is standard risk value.
On the basis of technique scheme, percentage risk numerical value evaluation risk class according to each little Dai company described in step B comprises the following steps: when 10%≤and when the risk assessment value P2 < 20% of current little Dai company, evaluation risk class is 1 grade, in the time of the 20%≤P2 risk assessment value of company (current little Dai) < 50%, evaluation risk class is 2 grades, in the time of P2 >=50%, evaluation risk class is 3 grades.
On the basis of technique scheme, comprise data acquisition cleaning computing module and risk rating module;
Described data acquisition cleaning computing module is used for: obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value, send risk rating signal to risk rating module;
Described risk rating module is used for: the risk assessment value to all little Dai company is weighted on average, calculates standard risk value; By risk assessment value and the comparison of standard risk value of each little Dai company, calculate the percentage risk numerical value of each little Dai company; According to the percentage risk numerical value evaluation risk class of each little Dai company, evaluate the operations risks of each little Dai company according to risk class.
On the basis of technique scheme, described data acquisition cleaning computing module comprises Risk Calculation logic processing module and gathers cleaning computing module;
Described collection cleaning computing module is used for: obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value, send computational logic processing signals to computational logic processing module;
Described Risk Calculation logic processing module is used for: receive after computational logic processing signals, whether judgement need to be carried out the risk assessment value of all little Dai company of operations risks quantification and calculate, if, control collection cleaning computing module and work on, otherwise send risk rating signal to risk rating module.
Compared with prior art, the invention has the advantages that:
(1) the present invention can be automatically according to the risk assessment value of the small-loan company calculating and standard risk value evaluation risk class, evaluate the operations risks of each little Dai company according to risk class.Compared with manual analysis operations risks in prior art, the present invention can set up 1 objective criterion, and the supervision department of being not only convenient to financial industry unifies supervision, and work efficiency is higher.
(2) the present invention, according to the operation data of small-loan company, macroeconomy data and tax data, calculates the risk assessment value of small-loan company.With in prior art, analyze compared with operations risks by limited data sample space, data statistics of the present invention is more comprehensive, the operations risks of evaluating each little Dai company is more accurate.
Embodiment
Below in conjunction with drawings and Examples, the present invention is described in further detail.
Shown in Figure 1, the operations risks quantization method for small-loan company (hereinafter to be referred as little Dai company) in the embodiment of the present invention, comprises the following steps:
S1: (operation data of little Dai company, the macroeconomy data of little Dai company the industry and little Dai company are at tax data to obtain the business datum of the little Dai company that need to carry out operations risks quantification.
S2: business datum is formatd, form the risk quantification data of unified standard form.
S3: risk quantification data are calculated, obtained risk assessment value.
S4: whether judgement need to be carried out the risk assessment value of all little Dai company of operations risks quantification and calculated, if forward step S5 to, otherwise re-executes step S1.
S5: the risk assessment value to all little Dai company is weighted on average, calculate standard risk value, by risk assessment value and the comparison of standard risk value of each little Dai company, calculate the percentage risk numerical value of each little Dai company, according to the percentage risk numerical value evaluation risk class of each little Dai company, evaluate the operations risks of each little Dai company according to risk class, finish.
Risk assessment value to all little Dai company is weighted on average, while calculating standard risk value, adopts following formula: P
1=P
n/ n, wherein P
1for standard risk value, P
nfor the risk assessment value of all little Dai company after weighted calculation and, n is the quantity of little Dai company.
By risk assessment value and the comparison of standard risk value of each little Dai company, while calculating the percentage risk numerical value of each little Dai company, adopt following formula: P%=|P
2-P
1|/P1, wherein P% is the percentage risk numerical value of current little Dai company, P2 is the risk assessment value of current little Dai company, P
1for standard risk value.
During according to the percentage risk numerical value evaluation risk class of each little Dai company, in the time of the 10%≤P2 risk assessment value of company (current little Dai) < 20%, evaluation risk class is 1 grade, in the time of the 20%≤P2 risk assessment value of company (current little Dai) < 50%, evaluation risk class is 2 grades, in the time of P2 >=50%, evaluation risk class is 3 grades.
The operations risks quantization system for small-loan company of realizing said method in the embodiment of the present invention, comprises data acquisition cleaning computing module and risk rating module.
Data acquisition cleaning computing module is used for: obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value, send risk rating signal to risk rating module.
Risk rating module is used for: the risk assessment value to all little Dai company is weighted on average, calculates standard risk value; By risk assessment value and the comparison of standard risk value of each little Dai company, calculate the percentage risk numerical value of each little Dai company; According to the percentage risk numerical value evaluation risk class of each little Dai company, evaluate the operations risks of each little Dai company according to risk class.
Data acquisition cleaning computing module comprises Risk Calculation logic processing module and gathers cleaning computing module.
Gathering cleaning computing module is used for: obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value, send computational logic processing signals to computational logic processing module.
Risk Calculation logic processing module is used for: receive after computational logic processing signals, whether judgement need to be carried out the risk assessment value of all little Dai company of operations risks quantification and calculate, if, control collection cleaning computing module and work on, otherwise send risk rating signal to risk rating module.
The present invention is not limited to above-mentioned embodiment, for those skilled in the art, under the premise without departing from the principles of the invention, can also make some improvements and modifications, within these improvements and modifications are also considered as protection scope of the present invention.The content not being described in detail in this instructions belongs to the known prior art of professional and technical personnel in the field.
Claims (8)
1. for an operations risks quantization method for small-loan company, it is characterized in that, comprise the following steps:
A, obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value;
B, the risk assessment value of all little Dai company is weighted on average, calculates standard risk value; By risk assessment value and the comparison of standard risk value of each little Dai company, calculate the percentage risk numerical value of each little Dai company; According to the percentage risk numerical value evaluation risk class of each little Dai company, evaluate the operations risks of each little Dai company according to risk class, finish.
2. the operations risks quantization method for small-loan company as claimed in claim 1, is characterized in that: business datum described in steps A comprises that the macroeconomy data of operation data, little Dai company the industry of little Dai company and little Dai company are at tax data.
3. the operations risks quantization method for small-loan company as claimed in claim 1, it is characterized in that: between steps A and B, comprise the following steps: whether judgement need to be carried out the risk assessment value of all little Dai company of operations risks quantification and calculate, if, forward step B to, otherwise re-execute steps A.
4. as claimed in claim 2 or claim 3 for the operations risks quantization method of small-loan company, it is characterized in that: described in step B, the risk assessment value of all little Dai company is weighted on average, while calculating standard risk value, adopt following formula: P1=Pn/n, wherein P1 is standard risk value, Pn be the risk assessment value of all little Dai company after weighted calculation and, n is the quantity of little Dai company.
5. as claimed in claim 2 or claim 3 for the operations risks quantization method of small-loan company, it is characterized in that: described in step B by risk assessment value and the comparison of standard risk value of each little Dai company, while calculating the percentage risk numerical value of each little Dai company, adopt following formula: P%=|P2-P1|/P1, wherein P% is the percentage risk numerical value of current little Dai company, P2 is the risk assessment value of current little Dai company, and P1 is standard risk value.
6. as claimed in claim 2 or claim 3 for the operations risks quantization method of small-loan company, it is characterized in that: the percentage risk numerical value evaluation risk class according to each little Dai company described in step B comprises the following steps: when 10%≤when the risk assessment value P2 < 20% of current little Dai company, evaluation risk class is 1 grade, in the time of the 20%≤P2 risk assessment value of company (current little Dai) < 50%, evaluation risk class is 2 grades, in the time of P2 >=50%, evaluation risk class is 3 grades.
7. the operations risks quantization system for small-loan company of realizing method described in claim 1 to 6 any one, is characterized in that: comprise data acquisition cleaning computing module and risk rating module;
Described data acquisition cleaning computing module is used for: obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value, send risk rating signal to risk rating module;
Described risk rating module is used for: the risk assessment value to all little Dai company is weighted on average, calculates standard risk value; By risk assessment value and the comparison of standard risk value of each little Dai company, calculate the percentage risk numerical value of each little Dai company; According to the percentage risk numerical value evaluation risk class of each little Dai company, evaluate the operations risks of each little Dai company according to risk class.
8. the operations risks quantization system for small-loan company as claimed in claim 7, is characterized in that: described data acquisition cleaning computing module comprises Risk Calculation logic processing module and gathers cleaning computing module;
Described collection cleaning computing module is used for: obtain the business datum of the little Dai company that need to carry out operations risks quantification, business datum is formatd, form the risk quantification data of unified standard form; Risk quantification data are calculated, obtained risk assessment value, send computational logic processing signals to computational logic processing module;
Described Risk Calculation logic processing module is used for: receive after computational logic processing signals, whether judgement need to be carried out the risk assessment value of all little Dai company of operations risks quantification and calculate, if, control collection cleaning computing module and work on, otherwise send risk rating signal to risk rating module.
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| CN201410379764.6A CN104134125A (en) | 2014-08-04 | 2014-08-04 | Operational risk quantitative method and system for small loan companies |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109360079A (en) * | 2018-10-24 | 2019-02-19 | 江苏税软软件科技有限公司 | A kind of tax index inspection risk management and control method based on Risk Calculation |
| CN111833197A (en) * | 2020-07-13 | 2020-10-27 | 北京逸风金科软件有限公司 | Telemetry data processing method and device of credit investigation protocol |
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Patent Citations (5)
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| CN1675643A (en) * | 2002-06-18 | 2005-09-28 | 孔特奇·菲尔 | Method, system and computer program for facilitating creation and trading of derivatives contracts |
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| CN102236869A (en) * | 2010-04-20 | 2011-11-09 | 中国工商银行股份有限公司 | Real-time risk monitoring system for bank entrusted assets |
| CN101976419A (en) * | 2010-10-19 | 2011-02-16 | 中国工商银行股份有限公司 | Processing method and system for risk monitoring and controlling of transaction data |
| CN103218743A (en) * | 2013-02-07 | 2013-07-24 | 北京税恒科技有限公司 | Enterprise tax risk assessment platform |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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Application publication date: 20141105 |
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