The invention discloses a financial
risk control prediction model construction method, and relates to the technical field of financial
risk control prediction, a data collection module is utilized to collect and store features related to an
evaluation period of a current customer, and a customer
feature evaluation module is utilized to construct a prediction model. Sequentially calculating and outputting a risk
score F, a risk early warning index FY and a dynamic
risk adjustment coefficient DT, and evaluating and updating an interest rate adjustment coefficient V of the current customer in the next
evaluation period by using a customer
feature evaluation module to obtain a
risk evaluation result; according to the invention, multi-dimensional risk factors are comprehensively considered, root operation is introduced to enhance a non-
linear relationship, an interest rate adjustment coefficient V is flexibly adjusted, historical and current risk information is combined, overdue severity is quantified, comprehensive influence of a credit
score P and repayment capability HN is considered, a latest credit
score P is introduced to carry out dynamic adjustment, and a cyclic influence mechanism is formed. The innovations aim at improving the accuracy and flexibility of risk prediction and providing more effective
risk control support for financial institutions.