Real estate collateral risk control method and system, and storage medium

Abstract

The invention establishes an intelligent evaluation algorithm system based on collateral big data. A value evaluation process uses two networks. A first network is used for determining an evaluation algorithm the most suitable for the collateral and increasing the evaluation weight of the algorithm. The second network is used for collecting user feedback information. Whatever correct evaluation, deviated evaluation, or erroneous evaluation, on the one hand, a computer automatically analyzes and records the evaluations, and on the other hand, a worker participates to help the computer correct the deviation or the error, which is similar to a deviation or error memory stick, and all evaluations are fed back to the first network. Two networks continuously and cyclically operate, learn the correctness and the wrongness, form experience after long-time accumulation, perform continuous improvement, and increasingly improve the accuracy rate in order to achieve automatic batch precise evaluation, and achieve risk analysis based on the precise evaluation.

Description

technical field [0001] The present invention relates to a collateral risk control method and system, in particular to a real estate collateral risk control method and system. Background technique [0002] At present, the traditional method of bank financial risk control is to manually review the collateral on the spot. With the increase of tens of thousands of business volume, the time consumption has also increased dramatically, and the technology still stays at the traditional stage of relying on the experience and judgment of appraisers. Sensation, experience, and relational decision-making dominate, leading to inconsistencies in review and judgment standards. [0003] There are two ways to assess the value of collateral: internal assessment and external assessment, and some of them use a combination of self-assessment and external assessment. But there are following problems: [0004] At present, most domestic banks only focus on the value of a single credit project, a...

AI Technical Summary

Problems solved by technology

[0007] After the traditional method uses manual valuation, it is necessary to manually save the valuation results digitally, which is prone to errors, and the valuation process is susceptible to manual interference.

[0008] The cost of manual valuation in traditional methods is high, especially in large quantities

[0009] The traditional method uses a fixed algorithm for the valuation of real estate. Using the same algorithm for different types of real estate can easily lead to inaccurate valuation results

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