Loan risk early warning method and system based on multi-industry data

A risk early warning and cross-industry technology, applied in data processing applications, instruments, finance, etc., can solve the problems of overdue behavior of lenders, blind spots in post-loan management, difficulty in judging the quality of customers, etc., to improve efficiency and accuracy, Improve the loan recovery rate and reduce the effect of non-performing assets

Inactive Publication Date: 2017-03-22
流量海科技成都有限公司
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  • Abstract
  • Description
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Problems solved by technology

This kind of early warning report has strong limitations. The lender must have a loan on a multi-party platform, and the corresponding lending institutions are all in the warning data pool to have an early warning report, and the early warning time is relatively lagging. If the lender is in When there is bad information in other non-loan industries, the lender is very likely to have overdue behavior or potential overdue risk
[0004] In addition, due to the imperfect credit system of our country itself, and the data in the loan industry are rarely shared

Method used

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  • Loan risk early warning method and system based on multi-industry data
  • Loan risk early warning method and system based on multi-industry data
  • Loan risk early warning method and system based on multi-industry data

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Embodiment Construction

[0037] All features disclosed in this specification, or steps in all methods or processes disclosed, may be combined in any manner, except for mutually exclusive features and / or steps.

[0038] Any feature disclosed in this specification (including any appended claims, abstract), unless otherwise stated, may be replaced by alternative features that are equivalent or serve a similar purpose. That is, unless expressly stated otherwise, each feature is one example only of a series of equivalent or similar features.

[0039] (1) Loan risk early warning method based on cross-industry data

[0040] A loan risk early warning method based on cross-industry data proposed by the present invention, according to cross-industry data, from multiple dimensions such as risk dimension, social circle risk dimension, crime risk dimension and overdue risk dimension, carries out loan risk early warning for lenders .

[0041] The method of the invention can be used alone as a loan early warning t...

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Abstract

The invention relates to the field of loan risk early warning and discloses a loan risk early warning method and system based on multi-industry data. The obtains user information related to a borrower from a plurality of angles by using multi-industry data; compares the user information with the historical information of the borrower to identify the abnormal behavior of the borrower; and classifies risk events according to abnormal information in an abnormity recognition result, and finally evaluates the loan risk of the borrower according to a preset risk index to determine the loan risk level of the borrower and output a warning report. The method and system can continuous monitor the borrower after the borrower loans by the multi-industry data, and can identify the loan with overdue tendency more accurately and effectively, make corresponding warning, raise the loan recovery rate and reduces the bad assets of credit and loan financial institutions such as the banks or the like.

Description

technical field [0001] The invention relates to the field of loan risk early warning, in particular to a loan risk early warning method based on cross-industry data. And a loan risk early warning system based on cross-industry data, the cross-industry data is relative to loan industry data, such as operator data, TravelSky data, UnionPay data and so on. Background technique [0002] In recent years, with the rapid development of the information industry and the popularization of the mobile Internet, more and more microfinance institutions, consumer finance companies, and P2P online lending financial institutions are trying their best to expand their businesses. However, due to the brutal expansion in the early stage, The risk control system is weak. While attracting customers with real needs, it has also brought many low-quality customers and fraudulent customers. Therefore, with the increase in business volume, the industry's non-performing rate has remained high. [0003]...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 廖晓维龙成高峰雷娟
Owner 流量海科技成都有限公司
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