福建省-非货币银行服务-企业经营风险指数
收藏国家公共数据资源登记平台2026-04-27 收录
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https://sjdj.nda.gov.cn/userHome?type=5&dataRegistCode=DR000020250228141154YX94
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资源简介：
结合风险管理框架和财务风险评估，通过分析市场风险、信用风险和操作风险等，构建企业经营风险的评估指数模型。分数越高代表企业经营风险越高，分数范围为0~100分。可用于金融机构在信贷审批过程中，通过输入企业的统一社会信用代码，快速获取其经营风险评分，从而辅助判断是否批准贷款申请及确定贷款利率，帮助金融机构有效规避高风险企业的信贷风险。
输入参数：统一社会信用代码
输出参数：企业经营风险指数（整数）
Combining risk management frameworks and financial risk assessment methodologies, this enterprise operational risk assessment index model is constructed by analyzing multiple risk types including market risk, credit risk and operational risk. The score ranges from 0 to 100, with a higher score corresponding to a higher level of enterprise operational risk. This model can be applied by financial institutions to quickly acquire the operational risk score of an enterprise by inputting its Unified Social Credit Code during credit approval procedures, so as to support the decision on whether to approve the loan application and set the loan interest rate, thereby helping financial institutions effectively evade credit risks from high-risk enterprises.
Input parameter: Unified Social Credit Code
Output parameter: Enterprise Operational Risk Index (integer)
提供机构：
福建大数据一级开发有限公司
