The invention relates to the technical field of
artificial intelligence, discloses a business risk prediction method and device for setting and adjusting a
risk threshold value based on a profit and
loss balance point, equipment, a medium and a product, and aims to solve the problems that the balance of cost and profit is not considered, dynamic adjustment capability is lacked, the
risk threshold value cannot be dynamically adjusted, and the
risk threshold value cannot be dynamically adjusted in the prior art. And the accuracy and flexibility of credit
risk control are poor. The method comprises the following steps: constructing an initial prediction model, and collecting and training the initial prediction model based on historical
business data to obtain a business risk prediction model; calculating a profit and
loss balance point of the business based on the historical
business data, and setting an adjustment risk threshold based on the profit and
loss balance point; and obtaining a to-be-predicted target service, calling the service risk prediction model to perform
service information prediction on the target service, obtaining a
service information prediction value, comparing the
service information prediction value with the set and adjusted risk threshold, and determining a final service risk result. According to the method, the accuracy and flexibility of the business risk prediction method are improved.