Bank credit system risk assessment method and device

A risk assessment and credit technology, applied in the field of information security, can solve problems such as the accuracy of assessment results, lack of globality, and difficulty in achieving expected assessment results

Inactive Publication Date: 2016-05-04
JILIN UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The present invention discloses a bank credit system risk assessment method and device, which improves the existing technology in which banks only formulate credit risk avoidance schemes based on tradi

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  • Bank credit system risk assessment method and device
  • Bank credit system risk assessment method and device
  • Bank credit system risk assessment method and device

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Experimental program
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Embodiment 1

[0056] The basic principle of the construction and use method of the risk assessment model based on the inter-enterprise capital circulation network described in the present invention is as follows:

[0057] see figure 1 , the evaluation model used in the present invention is mainly divided into three modules, namely, an information collection module, a safety coefficient calculation module and a risk assessment module, corresponding to the aforementioned first processing unit, second processing unit and third processing unit respectively. This model is composed of the above three modules working together to complete the enterprise credit risk assessment. Each module is introduced separately as follows:

[0058] Information collection module (first processing unit):

[0059] This module completes the preprocessing of the original information of the enterprise, including data cleaning and information collection, processes the original information with chaotic structure, obtai...

Embodiment 2

[0065] see figure 2 According to the present invention, a bank credit system risk assessment device includes three processing units, which are respectively a first processing unit, a second processing unit and a third processing unit.

[0066] see image 3 , the first processing unit includes components 301, 302, 303 and 304 to complete information collection. The two-dimensional code identification of the enterprise to be evaluated generated by component 304 in this unit is used as an information source for follow-up work, and at the same time, the processed information is transmitted to the storage component 303 for permanent use. The second processing unit completes the calculation of the newly introduced index (safety factor). This unit uses the information provided by the first processing unit to complete the construction of the inter-enterprise fund interaction network and the enterprise-bank fund interaction network in component 305, respectively. Each weight factor ...

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Abstract

The invention discloses a bank credit system risk assessment method and device. When enterprise credit risk assessment is performed, enterprise profit capability and assets and other traditional indexes are examined, and business contact activity between enterprises and the cash flow situation are also comprehensively considered. Mass data are utilized, potential useful new evaluation indexes are mined, and the current new technologies, such as data mining and social networks, are integrated in the assessment process so that accuracy of the assessment result can be enhanced. Therefore, the new indexes are combined with the conventional indexes, and a new enterprise credit risk assessment system is given and applied to a BP algorithm of machine learning so that a concrete and feasible support model is provided for formulation of the risk avoiding scheme of the financial system, and the problems in the prior art that accuracy is low and overall performance is poor due to the fact that only the conventional risk indexes or part of financial phenomena act as the risk assessment method can be solved.

Description

technical field [0001] The invention discloses a risk assessment method and device for a bank credit system, relates to a risk assessment model of an inter-enterprise capital circulation network, combines computer intelligent algorithms with risk assessment, and belongs to the technical field of information security. technical background [0002] The credit evaluation system of commercial banks is an important means to reduce the losses of commercial banks due to credit risks. However, in the actual credit business of commercial banks, it is still difficult to quickly and accurately evaluate credit business based on traditional credit indicators in the past, especially for For small and medium-sized technology-based enterprises, there are very few credit records, and it is difficult for banks to accurately evaluate them by relying on traditional indicator systems. By inquiring and retrieving, obtain the prior art close to the technical field of the present invention and the ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 王喆白天黄岚吕巍梁莹莹雷霞飞王佳松杜森王也马曼青
Owner JILIN UNIV
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