The invention provides a method and a
system for monitoring
network behavior data, a risk monitoring method and a risk
monitoring system, wherein the method particularly comprises the steps of regularly acquiring
network behavior data of a user from an online application, and using the
network behavior data as historical network behavior data for performing cluster storage; determining a corresponding
risk model according to the historical network behavior data of the user; according to the definition of the
risk model, calling historical network behavior data in cluster storage for performing historical
risk identification, and using a corresponding historical
risk identification result as a parameter of the
risk model for storage; acquiring online network behavior data of the user in real time; performing online
risk identification on the online network behavior data according to the risk model, and obtaining an online risk identification result; and according to the online risk identification result,
processing a credit object which is related with the user according to the online risk identification result. The method, the
system, the risk monitoring method and the risk
monitoring system can improve timeliness and accuracy in credit risk monitoring.