Post-loan risk early warning system based on semantic sentiment analysis

A sentiment analysis and risk early warning technology, applied in the computer field, can solve the problems of inability to trigger the risk processing process in time, heavy workload, and low information processing efficiency, and achieve the effects of reducing manual operation costs, better management, and reducing post-loan risks
CN103886501AActive Publication Date: 2014-06-25SUZHOU UNIV
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
SUZHOU UNIV
Publication Date
2014-06-25

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Abstract

The invention discloses a post-loan risk early warning system based on semantic sentiment analysis. The post-loan risk early warning system is characterized by comprising a network data mining module, a semantic sentiment analysis module, a total analysis module and a user interaction module. The network data mining module is used for collecting relevant information of customer enterprises from the network, wherein the relevant information comprises one or more of news, reviews, Microblogs, reports and complaints relevant to the client enterprises. The semantic sentiment analysis module is used for receiving the relevant information, analyzing the sentiment components of the relevant information and generating sentiment polarity K and sentiment intensity M. The total analysis module is used for obtaining the sentiment polarity K and the sentiment intensity M, generating the value of the sentiment polarity K and the value of the sentiment intensity M according to the source of the relevant information, and then obtaining a reliable coefficient P and an overall reliable coefficient W through calculation in sequence according to a predetermined formula. The user interaction module is used for giving a warning when the overall reliable coefficient W is smaller than a warning value. The post-loan risk early warning system based on semantic sentiment analysis can give an early warning for great changes of the client enterprises in time, help a bank to manage the client enterprises better, and effectively reduce post-loan risks.
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Description

technical field

[0001] The invention relates to a post-loan risk early warning system based on semantic emotion analysis, which belongs to the field of computers. Background technique

[0002] With the rapid development of social economy, both enterprises and individuals may apply for loans from banks or financial institutions. For example, in order to expand the scale of production and operation, enterprises need to introduce advanced technology and equipment. However, these technologies and equipment usually need to spend a lot of money, often tens of millions or tens of millions of yuan. Individual users also need to spend hundreds of thousands or even millions to start a company or buy a house. For these enterprises and individuals, it is very difficult to pay such a huge amount at one time, and the solution includes borrowing from the bank. Enterprises or individual users apply for a loan from the bank, sign a loan contract after the bank verifies the identity of the ...

Claims

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