Financial risk analysis method based on big data

A risk analysis and big data technology, applied in the field of financial risk analysis based on big data, can solve the problems of low resource utilization, inability to fully utilize multi-core features, slow calculation speed, etc., and achieve the effect of reducing financial risks.

Inactive Publication Date: 2018-01-09
杭州云算信达数据技术有限公司
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Problems solved by technology

[0002] The main defects of the current financial risk analysis method (mainly for the Taobao Tmall e-commerce platform) are: (1) The calculation speed is slow
Each calculation takes several minutes or even hours of calculation time. During this period, the user cannot operate the software and can only wait for the calculation to be completed; (2) The multi-core characteristics of modern CPUs cannot be fully utilized. No matter how many processing cores the user's computer has, the Only one of them can be used, and the resource utilization rate is low; (3) The data source channel is single

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  • Financial risk analysis method based on big data
  • Financial risk analysis method based on big data
  • Financial risk analysis method based on big data

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Embodiment Construction

[0040] The present invention will be described in further detail below in conjunction with the accompanying drawings and specific embodiments.

[0041] Such as figure 2 As shown, a kind of financial risk analysis method based on big data provided by the present invention comprises the following steps:

[0042] (1) Build a multi-level data warehouse. It mainly obtains data on credit mutations from the Internet, e-business data published on the Internet, self-reported data (mainly account data on various e-commerce platforms) and relevant certification materials from e-commerce customers, and data from third-party data platforms.

[0043] (2) Data preprocessing. The processed data is used to construct the risk control model, and the data preprocessing mainly adopts the following methods for filtering:

[0044] Subjective filtering: Divide data into character fields and numeric fields, and eliminate useless fields based on business experience.

[0045] Missing filtering: The...

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Abstract

The invention discloses a financial risk analysis method based on big data. The method comprises the following steps of: building a multilayer data warehouse; preprocessing data; tracking an in-storewarehoused and constructing positive and negative samples; constructing a growth ability, operation capability and profitability control models of the store by using a random forest algorithm; according to the random forest algorithm, acquiring and standardizing a growth ability index, an operation capability index, determining an index weight by using a analytic hierarchy process, calculating thevalue of each index; totaling the indexes and using the total index value as the risk index of the store; performing contrastive analysis on the results of a risk control model and related problems in an actual situation, optimizing the model and putting the optimized model into actual production. The financial risk analysis method takes multi-data source aggregation and the distributed computingof big data, realize a real-time effect of the risk model calculation after modeling, and reduce the financial risk through the aggregation analysis of multiple data sources.

Description

technical field [0001] The invention belongs to the field of financial analysis, and in particular relates to a method for analyzing financial risks based on big data. Background technique [0002] The main defects of the current financial risk analysis method (mainly for the Taobao Tmall e-commerce platform) are: (1) The calculation speed is slow. Each calculation takes several minutes or even hours of calculation time. During this period, the user cannot operate the software and can only wait for the calculation to be completed; (2) The multi-core characteristics of modern CPUs cannot be fully utilized. No matter how many processing cores the user's computer has, the Only one of them can be used, and the resource utilization rate is low; (3) The data source channel is single. Contents of the invention [0003] The purpose of the present invention is to provide a financial risk analysis method based on big data to improve the calculation speed of the risk model, realize ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q30/02G06Q40/00G06K9/62
Inventor 许林伟刘伟龙
Owner 杭州云算信达数据技术有限公司
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