1. A financing admission risk assessment method, the method comprising:

receiving a financing request of a financing requester;

responding to the financing request, and collecting tax-related operation data and invoice data of the financing requester;

determining the operation condition of the financing requester according to the tax-related operation data;

determining the transaction condition of the financing requester according to the invoice data;

judging whether the financing request party has an admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party;

and executing the processing operation of the financing request according to the judgment result.

2. The method of claim 1, wherein said determining the operation of said financing requester based on said tax-related operation data comprises:

determining the basic information and the change information of the financing requester according to the tax registration information of the financing requester;

determining tax payment condition information of the financing requester according to the tax payment declaration collection information of the financing requester;

determining financial status information of the financing requester according to the financial statement information of the financing requester;

and determining the information of the compliance operation condition of the financing requester according to the information of the tax violation condition of the financing requester.

3. The method of claim 2, wherein said determining a transaction of said financing requester based on said invoice data comprises:

and determining a transaction related party of the financing request party, purchasing condition information and sales condition information of the financing request party and invoicing continuous condition information according to the entry invoice data and the sales invoice data of the financing request party.

4. The method of claim 3, wherein said determining whether the financing requester has an admission risk affecting financing admission based on the business situation and the transaction situation of the financing requester comprises:

judging whether the change times of the basic information of the financing requester exceed a preset change time threshold value according to the change item information;

judging whether the number of the tax administration violation times of the financing requester exceeds a preset threshold value of the number of the tax administration violation times according to the tax administration condition information and the tax administration violation condition information;

judging whether the total amount of the assets of the financing requester exceeds the total amount of the liabilities of the financing requester according to the financial condition information;

and judging whether the total expenditure amount of the financing request party in a preset period exceeds the total income amount according to the transaction condition of the financing request party.

5. The method of claim 1, wherein after collecting tax-related management data and invoice data for the financing requester, the method further comprises:

deriving multiple evaluation indexes based on the tax-related operation data and the invoice data, and determining a logical relationship among the multiple evaluation indexes;

generating a data set in a preset period according to the multiple evaluation indexes and the logical relationship to obtain a data set corresponding to the tax-related operation data and a data set corresponding to the invoice data, wherein the data set comprises data corresponding to each evaluation index and the logical relationship between the data of each evaluation index;

the determining the operation condition of the financing requester according to the tax-related operation data comprises the following steps:

determining the operation condition of the financing requester according to the data set corresponding to the tax-related operation data;

the determining the transaction condition of the financing requester according to the invoice data comprises:

and determining the transaction condition of the financing requester according to the data set corresponding to the invoice data.

6. The method of any one of claims 1 to 5, wherein after collecting tax-related management data and invoice data for the financing requester, the method further comprises:

carrying out data cleaning and data processing on tax-related operation data and invoice data of the financing requester, wherein the data cleaning comprises missing value processing and/or abnormal value processing on the tax-related operation data and the invoice data, and the data processing comprises data transposition and/or data summation on the tax-related operation data and the invoice data;

and storing the tax-related operation data and the invoice data subjected to data cleaning and data processing into a database.

7. The method of claim 6, wherein prior to performing data cleansing and data processing on tax-related business data and invoice data of the financing requester, the method further comprises:

and carrying out integrity check on tax-related operation data and invoice data of the financing request party, and judging whether data with null values exist in the tax-related operation data and the invoice data and/or judging whether data with pull failure exist.

8. A financing admission risk assessment apparatus, the apparatus comprising:

a receiving unit, configured to receive a financing request of a financing requester;

the collecting unit is used for responding to the financing request and collecting tax-related operation data and invoice data of the financing requester;

the determining unit is used for determining the operation condition of the financing requester according to the tax-related operation data;

the determining unit is further used for determining the transaction condition of the financing requester according to the invoice data;

the judging unit is used for judging whether the financing request party has an admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party;

and the processing unit is used for executing the processing operation of the financing request according to the judgment result.

9. A financing admission risk assessment apparatus, the apparatus comprising:

a memory for storing a computer program; a processor for implementing the steps of the financing admission risk assessment method according to any one of claims 1 to 7 when executing said computer program.

10. A computer storage medium having stored therein instructions that, when executed on a computer, cause the computer to perform the method of any one of claims 1 to 7.

Background

With the rapid development of economic society, the number of small and medium-sized micro-manufacturing enterprises is also rapidly increasing. When operating, small and medium-sized micro-manufacturing enterprises have the requirement of applying for loans to financial institutions by using production equipment of the small and medium-sized micro-manufacturing enterprises. For financial institutions, in order to guarantee the economic safety of the financial institutions, the overall operation condition, the equipment value condition and the like of small and medium-sized micro manufacturing enterprises need to be comprehensively judged, and the equipment financing risk of the small and medium-sized micro manufacturing enterprises is evaluated to determine whether the small and medium-sized micro manufacturing enterprises are credited or not. One project in the equipment financing risk assessment is to assess the financing admission risk of the financing enterprise, namely, assess whether the financing enterprise has a risk affecting the financing threshold of the financial institution, and determine whether to accept the equipment financing request of the financing enterprise according to the admission risk, thereby realizing the primary screening of the financing enterprise.

In the prior art, assessment of financing admission risks for small and medium-sized micro-manufacturing enterprises is generally judged by deep investigation and analysis under manual lines. After the financial institution receives the equipment financing request of small and medium-sized micro-manufacturing enterprises and the financing enterprises provide paper materials such as various finances, streams, invoices and the like in the enterprise operation activities, the financial institution needs to arrange different examiners to visit the financing enterprises in a field investigation mode according to the internal loan auditing flow and the flow progress. During this period, the financing enterprise still needs to continuously provide or make various financing materials according to the requirements of the financial institution, and provide a financing enterprise risk assessment report to describe the related financing risk of the enterprise.

However, the financial institution arranges different examiners according to the loan flow to perform judgment through deep investigation and analysis under a manual line, which not only has low efficiency and needs to consume a large amount of human resources, but also easily mixes artificial subjective factors in the judgment process, so that the judgment result and the risk assessment result are inaccurate.

Disclosure of Invention

The embodiment of the application provides a financing admission risk assessment method, a financing admission risk assessment device and a computer storage medium, which are used for improving the efficiency of financing admission risk assessment and the accuracy of a financing admission risk assessment result.

A first aspect of an embodiment of the present application provides a financing admission risk assessment method, where the method includes:

receiving a financing request of a financing requester;

responding to the financing request, and collecting tax-related operation data and invoice data of the financing requester;

determining the operation condition of the financing requester according to the tax-related operation data;

determining the transaction condition of the financing requester according to the invoice data;

judging whether the financing request party has an admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party;

and executing the processing operation of the financing request according to the judgment result.

A second aspect of the embodiments of the present application provides a financing admission risk assessment apparatus, where the apparatus includes:

a receiving unit, configured to receive a financing request of a financing requester;

the collecting unit is used for responding to the financing request and collecting tax-related operation data and invoice data of the financing requester;

the determining unit is used for determining the operation condition of the financing requester according to the tax-related operation data;

the determining unit is further used for determining the transaction condition of the financing requester according to the invoice data;

the judging unit is used for judging whether the financing request party has an admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party;

and the processing unit is used for executing the processing operation of the financing request according to the judgment result.

A third aspect of the embodiments of the present application provides a financing admission risk assessment apparatus, where the apparatus includes:

a memory for storing a computer program; a processor for implementing the steps of the financing admission risk assessment method according to the aforementioned first aspect when executing the computer program.

A fourth aspect of embodiments of the present application provides a computer storage medium having instructions stored therein, which when executed on a computer, cause the computer to perform the method of the first aspect.

According to the technical scheme, the embodiment of the application has the following advantages:

in the embodiment of the application, the financing admission risk assessment device determines the operation condition of a financing request party according to tax-related operation data and determines the transaction condition of the financing request party according to invoice data, and judges whether the financing request party has admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party, so that the assessment of the financing admission risk does not need to depend on manual field investigation on the spot any more, the financing admission risk is determined compared with deep investigation analysis under a manual line, the working efficiency of the financing admission risk assessment can be improved, meanwhile, artificial subjective factors doped in the financing admission risk assessment are avoided, and the accuracy of the financing admission risk assessment result can be improved.

Drawings

FIG. 1 is a schematic flow chart illustrating a financing admission risk assessment method according to an embodiment of the present application;

FIG. 2 is another schematic flow chart illustrating a financing admission risk assessment method according to an embodiment of the present application;

FIG. 3 is a schematic structural diagram of an apparatus for risk assessment of financing admission in accordance with an embodiment of the present invention;

fig. 4 is another schematic structural diagram of a financing admission risk assessment apparatus according to an embodiment of the present application.

Detailed Description

The embodiment of the application provides a financing admission risk assessment method, a financing admission risk assessment device and a computer storage medium, which are used for improving the efficiency of financing admission risk assessment and the accuracy of a financing admission risk assessment result.

Referring to fig. 1, an embodiment of a method for assessing risk of financing admission in an embodiment of the present application includes:

101. receiving a financing request of a financing requester;

the method of the embodiment can be applied to a financing admission risk assessment device, which can be a terminal, a server and other computer equipment. In this embodiment, the financing requester may be any business entity in the social and economic activities, for example, a business entity such as an enterprise, an individual industrial business, and the like. When any business entity has financing requirement, it can send financing request to financial institution. The financial institution may use the financing admission risk evaluation device to evaluate whether the financing request party has risk affecting the financing admission, and the financing admission risk evaluation device receives the financing request of the financing request party and executes the processing operation of the request in the subsequent steps.

102. Responding to the financing request, and collecting tax-involved operation data and invoice data of a financing requester;

after receiving the financing request, the financing admission risk assessment device responds to the request and collects tax-related operation data and invoice data of the financing requester. The tax-related operation data refers to operation data related to tax.

103. Determining the operation condition of a financing requester according to the tax-related operation data;

104. determining the transaction condition of a financing requester according to the invoice data;

after the tax-related operation data and the invoice data are collected, the operation condition of the financing requesting party is determined according to the tax-related operation data and the transaction condition of the financing requesting party is determined according to the invoice data. Specifically, the operation condition and the transaction condition can be represented by each index and a specific numerical value under the index item, so that the quantification of the operation condition and the transaction condition is realized, and the operation condition and the transaction condition are conveniently evaluated. For example, business conditions may be measured using business activity related metrics such as net sales rate, increase in operating profits, inventory turnover rate, rate of assets and liabilities; the transaction condition is measured by using transaction-related indexes such as total expenditure, quantity of goods to be delivered, amount of money to be delivered and the like.

105. Judging whether the financing request party has an admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party;

after the operation condition and the transaction condition of the financing request party are determined, because the operation condition and the transaction condition can reflect the behavior and the economic condition of an operation entity in the economic activity, and the behavior and the economic condition in the economic activity can be used for predicting the fund repayment willingness and the repayment capacity of the operation entity after financing to a certain extent, whether the financing request party has the admission risk influencing the financing admission can be judged according to the operation condition and the transaction condition of the financing request party.

For example, the number of tax violations of the financing requester is large, which indicates that the financing requester has dishonest business behavior, and it can be determined that the financing requester has a large admission risk in terms of financing admission, and it is necessary to carefully evaluate the financing request of the financing requester.

106. Executing processing operation on the financing request according to the judgment result;

and after the judgment result is obtained, the processing operation of the financing request of the financing requester is executed according to the judgment result. For example, when the judgment result shows that the admission risk of the financing requester is large, the financing request of the financing requester can be rejected; when the judgment result shows that the admission risk of the financing requester is within the acceptable range, the financing request of the financing requester can be considered to be accepted, and the operation related to the financing evaluation process is further executed.

In this embodiment, the financing admission risk assessment device determines the operation condition of the financing request party according to the tax-related operation data and determines the transaction condition of the financing request party according to the invoice data, and determines whether the financing request party has an admission risk affecting the financing admission according to the operation condition and the transaction condition of the financing request party, so that the assessment of the financing admission risk does not need to depend on manual field investigation on the spot any more, and compared with deep investigation analysis under a payline, the financing admission risk is determined, the working efficiency of the financing admission risk assessment can be improved, meanwhile, the subjective factor of the financing admission risk assessment adulteration is avoided, and the accuracy of the financing admission risk assessment result can be improved.

The embodiments of the present application will be described in further detail below on the basis of the aforementioned embodiment shown in fig. 1. Referring to fig. 2, another embodiment of the method for assessing risk of financing admission in the embodiment of the present application includes:

201. receiving a financing request of a financing requester;

in this embodiment, the financing requester may send a financing request to the financing admission risk assessment apparatus through its own terminal, where the financing request carries personal information of the financing requester and an authorization identifier, and the authorization identifier is used to indicate a right for the financing admission risk assessment apparatus to obtain tax-related operation data and invoice data of the financing requester.

Specifically, the financing request may be a request for financing equipment, a request for financing product, or a request for financing assets in other forms, and the specific financing form is not limited.

202. Responding to the financing request, and collecting tax-involved operation data and invoice data of a financing requester;

in this embodiment, the financing requester may allow the financing admission risk assessment apparatus to collect tax-related operation data and invoice data of the financing requester without authorization, or may set a data collection authority, and the tax-related operation data and invoice data of the financing requester may be collected only when the financing admission risk assessment apparatus obtains the authority. Therefore, after receiving the financing request of the financing requester, if the financing request carries an authorization identifier indicating that the financing requester grants the right of the financing admission risk assessment device to collect data, the financing admission risk assessment device collects tax-related operation data and invoice data of the financing requester based on the right.

After the data are collected, the financing admission risk assessment device can carry out data preprocessing on tax-related operation data and invoice data in advance. The data preprocessing method can be various, as long as the data can be more conveniently used in the subsequent processing process. In one embodiment, the data preprocessing can be data cleaning and data processing of tax-related operation data and invoice data of a financing requester, wherein the data cleaning comprises missing value processing and/or abnormal value processing of the tax-related operation data and the invoice data, and the data processing comprises data transposition and/or data summation of the tax-related operation data and the invoice data. After the data preprocessing is finished, the tax-related operation data and the invoice data which are subjected to data cleaning and data processing are stored in the database, so that the data in the database can be called at any time in the subsequent data processing process.

Before data preprocessing, integrity check can be carried out on the data, namely integrity check is carried out on tax-related operation data and invoice data of a financing request party, whether data with null values exist in the tax-related operation data and the invoice data or not is judged, and/or whether data which are failed in pulling exist or not is judged. Upon determining that there is data with a null value or that there is data that has failed to be pulled, data collection may be re-performed to ensure data integrity.

203. Deriving multiple evaluation indexes based on tax-related operation data and invoice data, and determining a logical relationship among the multiple evaluation indexes;

in this embodiment, the operation and transaction conditions of the financing requester can be determined based on multiple indexes. Therefore, after the tax-related operation data and the invoice data are collected, a plurality of evaluation indexes can be derived based on the tax-related operation data and the invoice data, and the logical relationship among the plurality of evaluation indexes is determined.

For example, for an enterprise, the tax-related operation data may include information related to tax, such as tax registration information, tax declaration collection information, financial statement information, and the like, wherein an evaluation index, which is the number of changes of basic information of the enterprise, may be derived according to the tax registration information; deriving an evaluation index of the number of illegal tax payment violations of the enterprise according to the tax payment declaration collection information; and deriving two evaluation indexes of the total amount of the assets and the total amount of the liabilities of the enterprises according to the financial statement information. Meanwhile, after the multiple indexes are derived, the logical relationship among the multiple indexes can be determined, that is, whether a correlation exists between the indexes is determined.

204. Generating a data set in a preset period according to the multiple evaluation indexes and the logic relationship to obtain a data set corresponding to tax-related operation data and a data set corresponding to invoice data;

corresponding data are arranged under each evaluation index, and a logical relationship exists among multiple indexes, so that a data set in a preset period can be generated according to the logical relationship among the multiple evaluation indexes and the indexes, and a data set corresponding to tax-related operation data and a data set corresponding to invoice data are obtained.

The preset period may be any time period. For example, if the predetermined period is approximately 6 months, the data set will include tax-related data and invoice data for approximately 6 months.

205. Determining the operation condition of a financing requester according to the tax-related operation data;

206. determining the transaction condition of a financing requester according to the invoice data;

after the data sets corresponding to the tax-related operation data are obtained through sorting, the operation condition of the financing request party can be determined according to the data sets corresponding to the tax-related operation data, namely, the operation condition of the financing request party is determined according to the data under the evaluation index items in the data sets and the logical relationship between the data.

Similarly, after the data sets corresponding to the invoice data are obtained through sorting, the transaction condition of the financing requester can be determined according to the data sets corresponding to the invoice data, that is, the transaction condition of the financing requester is determined according to the data under the evaluation index item in the data sets and the logical relationship between the data.

Specifically, the operation condition of the financing requester is determined according to the tax-related operation data, and the specific implementation mode may be that the basic information and the change information of the financing requester are determined according to the tax registration information of the financing requester; determining tax payment condition information of the financing requester according to the tax payment declaration collection information of the financing requester; determining financial status information of the financing requester according to the financial statement information of the financing requester; and determining the information of the compliance operation condition of the financing requester according to the information of the tax violation condition of the financing requester.

The transaction condition of the financing requester is determined according to the invoice data, and the specific mode can be that the transaction related party of the financing requester, the purchasing condition information and the selling condition information of the financing requester and the invoicing continuous condition information are determined according to the input invoice data and the selling invoice data of the financing requester.

If the financing requester is a manufacturing enterprise, the transaction related party may be an upstream enterprise having a transaction relationship with the financing requester, such as a material supplier, a product agent, and a customer of the financing requester.

207. Judging whether the financing request party has an admission risk influencing financing admission according to the operation condition and the transaction condition of the financing request party;

after the logical relationship between the data and the data corresponding to a plurality of indexes in the tax-related operation data and the invoice data is determined in the steps, whether a financing access risk exists in a financing requester can be judged according to the indexes. Specifically, whether the change times of the basic information of the financing requester exceed a preset change time threshold value or not can be judged according to the change item information, and when the change times exceed the change time threshold value, a certain admission risk is determined; whether the number of the tax administration violation times of the financing request party exceeds a preset threshold value of the number of the tax administration violation times can be judged according to the tax administration condition information and the tax violation condition information, and a certain admission risk is determined to exist when the number of the tax administration violation times exceeds the threshold value of the number of the tax administration violation times; whether the total amount of the assets of the financing requester exceeds the total amount of the liabilities of the financing requester can be judged according to the financial condition information, and when the total amount of the liabilities exceeds the total amount of the assets, certain admission risk is determined to exist; and whether the total expenditure amount of the financing request party exceeds the total income amount in a preset period can be judged according to the transaction condition of the financing request party, and when the total expenditure amount exceeds the total income amount, certain admission risk is determined.

In this embodiment, the admission risk may be quantified to characterize the admission risk. For example, a score may be employed to characterize the risk of admission when a threshold number of changes is exceeded, the risk of admission when a threshold number of tax violations is exceeded, and so forth. If the score is larger than the threshold, the score is higher, for example, the threshold of the number of illegal taxation violations is 5, the number of illegal taxation violations of the financing requester A is 6, the number of illegal taxation violations of the financing requester B is 8, and the score of the admission risk when the financing requester B exceeds the threshold of the number of illegal taxation violations should be higher than that of the financing requester A. And meanwhile, counting the scores of various admission risks to obtain the total score of the admission risks, and rejecting the financing request of the financing requester if the total score exceeds an acceptable range.

208. Executing processing operation on the financing request according to the judgment result;

after the judgment result of the admission risk is obtained, the processing mode of the financing request of the financing requester can be determined according to the judgment result, and the financing request of the financing requester is further processed according to the processing mode.

In the embodiment, the access risk of the financing request party can be accurately judged through a plurality of evaluation indexes, so that the evaluation on the access risk is performed in a standard and basis manner, the interference of human subjective factors is avoided, the evaluation result is more accurate, and the accuracy and the reliability of the evaluation result are improved.

With reference to fig. 3, the financing admission risk assessment method in the embodiment of the present application is described above, and a financing admission risk assessment apparatus in the embodiment of the present application is described below, where an embodiment of the financing admission risk assessment apparatus in the embodiment of the present application includes:

a receiving unit 301, configured to receive a financing request of a financing requester;

the collecting unit 302 is used for responding to the financing request and collecting tax-related operation data and invoice data of a financing requester;

a determining unit 303, configured to determine an operation situation of the financing requester according to the tax-related operation data;

the determining unit 303 is further configured to determine a transaction condition of the financing requester according to the invoice data;

a judging unit 304, configured to judge whether the financing requester has an admission risk that affects the financing admission according to the operation condition and the transaction condition of the financing requester;

a processing unit 305, configured to perform a processing operation on the financing request according to the determination result.

In a preferred embodiment of this embodiment, the determining unit 303 is specifically configured to determine the basic information and the change information of the financing requester according to the tax registration information of the financing requester; determining tax payment condition information of the financing requester according to the tax payment declaration collection information of the financing requester; determining financial status information of the financing requester according to the financial statement information of the financing requester; and determining the information of the compliance operation condition of the financing requester according to the information of the tax violation condition of the financing requester.

In a preferred embodiment of this embodiment, the determining unit 303 is specifically configured to determine, according to the entry invoice data and the sale invoice data of the financing requester, the transaction related party of the financing requester, the purchasing condition information and the selling condition information of the financing requester, and the invoicing continuation condition information.

In a preferred embodiment of this embodiment, the determining unit 304 is specifically configured to determine whether the change count of the basic information of the financing requester exceeds a preset change count threshold according to the change item information; judging whether the number of the tax administration violation times of the financing requester exceeds a preset threshold value of the number of the tax administration violation times according to the tax administration condition information and the tax violation condition information; judging whether the total amount of the assets of the financing requester exceeds the total amount of the liabilities of the financing requester according to the financial condition information; and judging whether the total expenditure amount of the financing requester in a preset period exceeds the total income amount according to the transaction condition of the financing requester.

In a preferred embodiment of this embodiment, the determining unit 303 is further configured to derive multiple evaluation indexes based on the tax-related operation data and the invoice data, and determine a logical relationship between the multiple evaluation indexes;

the financing admission risk assessment device further comprises:

the generating unit 306 is configured to generate a data set in a preset period according to multiple evaluation indexes and a logical relationship, so as to obtain a data set corresponding to tax-related operation data and a data set corresponding to invoice data, where the data set includes data corresponding to each evaluation index and a logical relationship between the data of each evaluation index;

the determining unit 303 is specifically configured to determine an operation situation of the financing requester according to a data set corresponding to the tax-related operation data; and determining the transaction condition of the financing requester according to the data set corresponding to the invoice data.

In a preferred embodiment of this embodiment, the financing admission risk assessment device further includes:

the preprocessing unit 307 is used for performing data cleaning and data processing on tax-related operation data and invoice data of a financing requester, wherein the data cleaning comprises missing value processing and/or abnormal value processing on the tax-related operation data and the invoice data, and the data processing comprises data transposition and/or data summation on the tax-related operation data and the invoice data; and storing the tax-related operation data and the invoice data subjected to data cleaning and data processing into a database.

In a preferred embodiment of this embodiment, the financing admission risk assessment device further includes:

the checking unit 308 is configured to perform integrity checking on the tax-related operation data and the invoice data of the financing requester, and determine whether there is data with a null value in the tax-related operation data and the invoice data, and/or determine whether there is data with a pull failure.

In this embodiment, the operations performed by the units in the financing admission risk assessment apparatus are similar to those described in the embodiments shown in fig. 1 to fig. 2, and are not repeated here.

In this embodiment, the determining unit 303 determines the operation condition of the financing request party according to the tax-related operation data and determines the transaction condition of the financing request party according to the invoice data, and the determining unit 304 determines whether the financing request party has an access risk affecting the financing access according to the operation condition and the transaction condition of the financing request party, so that the assessment of the financing access risk does not need to depend on manual field investigation on the spot any more, and compared with deep investigation analysis under a payline, the financing access risk is determined, the working efficiency of the financing access risk assessment can be improved, meanwhile, subjective factors adulterated with the financing access risk assessment are avoided, and the accuracy of the financing access risk assessment result can be improved.

Referring to fig. 4, a financing admission risk assessment apparatus in an embodiment of the present application is described below, where an embodiment of the financing admission risk assessment apparatus in the embodiment of the present application includes:

the financing admission risk assessment apparatus 400 may include one or more Central Processing Units (CPUs) 401 and a memory 405, where the memory 405 stores one or more applications or data.

Memory 405 may be volatile storage or persistent storage, among other things. The program stored in memory 405 may include one or more modules, each of which may include a series of instruction operations for financing admission risk assessment device. Still further, the central processor 401 may be configured to communicate with the memory 405, and execute a series of instruction operations in the memory 405 on the financing admission risk assessment apparatus 400.

The financing admission risk assessment apparatus 400 may also include one or more power supplies 402, one or more wired or wireless network interfaces 403, one or more input-output interfaces 404, and/or one or more operating systems, such as Windows Server, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, etc.

The central processing unit 401 may perform the operations performed by the financing admission risk assessment apparatus in the embodiments shown in fig. 1 to fig. 2, which are not described herein again.

An embodiment of the present application further provides a computer storage medium, where one embodiment includes: the computer storage medium has instructions stored therein, which when executed on a computer, cause the computer to perform the operations performed by the financing admission risk assessment apparatus in the embodiments of fig. 1-2.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and the like.