Bank risk evaluation system based on user behavior

A risk assessment system and user technology, applied in data processing applications, instruments, biological neural network models, etc., can solve problems such as inability to downgrade bank risks, and achieve the effect of convenient estimation and targeted measures, and accurate input values.

Inactive Publication Date: 2016-11-16
WUHAN TIPDM INTELLIGENT TECH
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  • Description
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AI Technical Summary

Problems solved by technology

Third-party guarantee risk, if the debtor defaults and cannot repay the debt, and the guarantor or promise party cannot repay the debt on behalf of the debtor, there will be a third-party guarantee risk
[0004] Traditional bank risk assessment mainly relies on manual review by bank employees. Due to the diversification of banking business types, it is impossible to downgrade bank risk through traditional manual review.

Method used

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  • Bank risk evaluation system based on user behavior

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Embodiment Construction

[0027] Such as figure 1 As shown, a bank risk assessment system based on user behavior, which includes the following units:

[0028] The user information management unit is used to obtain the user's basic personal information, value system information, reputation system information, and account information;

[0029] The indicator system establishment unit is used to set the personal basic situation, the value system situation, the reputation system situation and the correlation matrix with the account situation; and set the eigenvector values ​​of each correlation matrix and the single-sort consistency check value; get the user behavior Scoring index system;

[0030] The personal rating determination unit is used to perform weighted calculation on the secondary indicators in the scoring index system to obtain the membership functions of each secondary indicator; judge the user's personal rating status according to each membership function;

[0031] The evaluation result gene...

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Abstract

A bank risk evaluation system based on user behavior comprises the following units: a user information management unit, which is used to obtain the users' basic information, value system situation, credit system situation and account situation; an index system establishing unit, which is used to establish related relationship matrixes of the basic information, value system situation, credit system situation, and account situation, set characteristic vector values and single ordering consistency checking values of each related relationship matrix, and obtain a marking index system of user behavior; an individual rating determining unit, which is used to carry out weighting calculation on secondary indexes in the marking index system to obtain the membership functions of each secondary index and judge the individual rating situation of a user according to each membership function; and an evaluation result generating unit, which is used to obtain the evaluation result of bank risk based on the input individual rating situation of all users through a BP neuro-network algorithm.

Description

technical field [0001] The invention relates to the technical field of big data cloud computing, in particular to a bank risk assessment system based on user behavior. Background technique [0002] Credit risk in banking risks is the main risk of commercial banks, which refers to the possibility that debtors who have obtained bank credit support cannot repay the principal and interest in full and on time in accordance with the contract. Today, with the diversification of commercial banking business, not only traditional credit risks are involved It is still a major risk of commercial banks, and the credit risks involved in discount, overdraft, letter of credit, interbank lending, securities underwriting and other businesses are also important risks faced by commercial banks. Credit risks mainly include the following categories: [0003] Principal risk refers to the possibility that the bank's right of recourse to a certain customer cannot be implemented. Such as bad debt loa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N3/08
CPCG06N3/084G06Q40/03
Inventor 刘丽君李成华
Owner WUHAN TIPDM INTELLIGENT TECH
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