Method and system for calculating retail asset risk

A computing method and computing system technology, applied in the computer field, can solve problems such as lack of uniform standards and inaccurate risk assessment of retail assets, and achieve the effects of improving use efficiency, reducing manual operation costs, and reducing randomness.

Inactive Publication Date: 2011-03-30
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] The present invention is proposed in view of the above problems, and its purpose is to provide a calculation method and system for retail asset risk to solve the problem that the evaluation of retail asset risk is not accurate enough and there is no uniform standard

Method used

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  • Method and system for calculating retail asset risk
  • Method and system for calculating retail asset risk
  • Method and system for calculating retail asset risk

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0025] Figure 1A Shown is a flow chart of the calculation method for retail asset risk in Embodiment 1 of the present invention. Such as Figure 1A As shown, the calculation method of retail asset risk in Embodiment 1 of the present invention includes:

[0026] S101: Collect source data, which includes loan, credit card transaction data, customer asset data collected from various business systems of the bank, and customer and account data collected in real time from the personal credit system and bank card system at the time of application, as well as from Customer credit data at the time of application collected by the PBOC credit system in real time;

[0027] S102: Receive the above source data and perform credit scoring processing and credit rating processing to generate credit scoring result data;

[0028] S103: Store the above credit score result data in the data storage device for the user to call;

[0029] S104: Invoking the above credit score result data to calculat...

Embodiment 2

[0041] Figure 2A Shown is a structural block diagram of a retail asset risk calculation system according to Embodiment 2 of the present invention. Such as Figure 2A As shown, the calculation system of retail asset risk in Embodiment 2 of the present invention includes:

[0042] The data collection device 201 is used to collect source data, which includes loans collected from various business systems of the bank, credit card transaction data, customer asset data, and real-time collected from the personal credit system and bank card system. Account data, as well as customer credit data at the time of application collected in real time from the credit reference system of the People’s Bank of China;

[0043] The credit scoring device 202 is configured to receive the above-mentioned source data, perform credit scoring processing and credit rating processing, and generate credit scoring result data;

[0044] The data storage device 203 is used to store the above-mentioned credi...

Embodiment 3

[0059] Embodiment 3 of the present invention provides a calculation method and system for retail asset risk, which uses logistic regression and the method of establishing a decision tree to realize the measurement and evaluation of bank retail asset risk, and can automatically collect source data of various business systems, and These source data are analyzed and processed, and the generated evaluation result data is stored in the data storage device.

[0060] image 3 Shown is a structural block diagram of a retail asset risk calculation system according to Embodiment 3 of the present invention. Such as image 3 As shown, the retail asset risk calculation system according to Embodiment 3 of the present invention includes: a data collection device 301 , a risk calculation device 302 , and a data storage device 303 . The data collection device 301 and the risk calculation device 302, and the risk calculation device 302 and the data storage device 303 may be connected through ...

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Abstract

The invention provides a method and system for calculating retail asset risk. The method comprises the following steps of: collecting source data, wherein the source data comprises loan and credit card transaction data and customer asset data collected from each business system of a bank, customer and account data collected from a personal credit system and a bank card system in real time during application and customer credit information data collected from a personal credit information system in real time during application; receiving the source data, and performing credit scoring and credit rating to generate credit scoring result data; storing the credit scoring result data into a data storage device for a user to invoke; and invoking the credit scoring result data to calculate the retail asset risk according to a preset rule. The method and the system can be used for controlling the retail asset risk of the bank, can greatly reduce the dependence of bank credit personnel on the assessment criteria not objective and stable enough in the credit business, can effectively reduce randomness in decision and can reduce manual operation cost.

Description

technical field [0001] The present invention relates to the technical field of computers, in particular to the technical field of data processing using communication networks and computers, in particular to a method and system for calculating retail asset risks. Background technique [0002] Credit risk refers to the risk that the debtor or counterparty fails to perform the obligations stipulated in the contract or the credit quality changes, which affects the execution of the contract, thereby causing losses to the creditor or financial instrument holder. Since commercial bank asset business accounts for a relatively high proportion of all bank business, credit risk is the most basic risk faced by banks. Accurately revealing and measuring credit risk is crucial to reducing bank capital losses and improving business performance. Faced with the rapid growth of retail credit asset business development, banks have to manage the risks of millions of personal credit customers and...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00
Inventor 刘丽君
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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