Early warning method and device of bank loan risks

A risk early warning and loan technology, which is applied in the fields of instruments, finance, and data processing applications, can solve the problems of incomplete early warning and low work efficiency, and achieve the effect of improving work efficiency and saving human resources
CN105225151AInactive Publication Date: 2016-01-06CHINA CONSTRUCTION BANK
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
CHINA CONSTRUCTION BANK
Publication Date
2016-01-06
Estimated Expiration
Not applicable · inactive patent

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Abstract

The invention discloses an early warning method and device of bank loan risks. The method comprises the following steps: extracting transaction data associated with a target load project from a source system; selecting a target risk early warning model from a preset risk early warning model set, wherein a loan type in a model parameter of the target risk early warning model is the same with the load type of the target load project; according to a data rule of the target risk early warning model, processing the transaction data; and utilizing the processed transaction data to calculate the target risk early warning model to obtain early warning data, wherein the early warning data is used for indicating whether the target load project has risks or not. The invention designs various risk early warning models in advance, since each risk early warning model corresponds to different risk types, the corresponding risk early warning model is selected according to the loan type of the target load project to carry out risk early warning, various types of risks can be comprehensively subjected to early warning, and meanwhile, the work efficiency of the risk early warning is improved.
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Description

technical field

[0001] This application relates to the field of software technology, and more specifically, to a bank loan risk early warning method and device. Background technique

[0002] At present, phenomena such as "fake personal loans", defrauded loans, and misappropriated loans are on the rise, which can easily form risk penetration and impact on the bank credit field.

[0003] In order to pre-control the risk of bank loans, the existing technology generally displays loan detailed data through detailed report data query, and then finds risky loans through manual mining. Due to the wide variety of risky loans, such as loan funds returning to the borrower, loan funds used to borrow new loans and repay old ones, manual mining methods cannot provide early warning for all types of risky loans, and there is a problem of low work efficiency. Contents of the invention

[0004] In view of this, this application provides a bank loan risk early warning method and device, whi...

Claims

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