Risk assessment method based on consumption loan scene, and system implementation

A technology for risk assessment and credit assessment, applied in instrumentation, finance, data processing applications, etc., can solve the problems of single assessment dimension and low accuracy of assessment results, so as to solve the problem of single assessment dimension, improve loan approval efficiency, and improve accuracy Effect

Active Publication Date: 2018-08-17
广州越秀金融科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Embodiments of the present invention provide a risk assessment method and system implementation based on consumer credit scenarios, to at least solve the technical

Method used

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  • Risk assessment method based on consumption loan scene, and system implementation
  • Risk assessment method based on consumption loan scene, and system implementation
  • Risk assessment method based on consumption loan scene, and system implementation

Examples

Experimental program
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Embodiment 1

[0026] According to an embodiment of the present invention, an embodiment of a risk assessment method based on a consumer credit scenario is provided. It should be noted that the steps shown in the flow chart of the accompanying drawings can be implemented in a computer system such as a set of computer-executable instructions and, although a logical order is shown in the flowcharts, in some cases the steps shown or described may be performed in an order different from that shown or described herein.

[0027] figure 1 It is a flowchart of a risk assessment method based on a consumer credit scenario according to an embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0028] Step S102, obtaining credit evaluation data of the object to be evaluated, wherein the credit evaluation data includes: credit investigation data, repayment application data, provident fund data, bank statement data and communication data.

[0029] Speci...

Embodiment 2

[0106] According to an embodiment of the present invention, an embodiment of a risk assessment device based on a consumer credit scenario is provided.

[0107] figure 2 is a schematic diagram of a risk assessment device based on a consumer credit scenario according to an embodiment of the present invention, such as figure 2 As shown, the device includes:

[0108] The obtaining module 22 is used to obtain the credit evaluation data of the object to be evaluated, wherein the credit evaluation data includes: credit investigation data, application repayment data, provident fund data, bank statement data and communication data.

[0109]Specifically, the above-mentioned object to be evaluated may be a loan applicant who applies for a loan. When the applicant applies for a loan from the bank, the applicant needs to provide a credit report (that is, the above-mentioned credit data), the monthly repayment amount of the loan (that is, The above-mentioned application repayment data),...

Embodiment 3

[0118] According to an embodiment of the present invention, an embodiment of a risk assessment system based on a consumer credit scenario is provided. It should be noted that the steps shown in the flow chart of the accompanying drawings can be implemented in a computer system such as a set of computer-executable instructions and, although a logical order is shown in the flowcharts, in some cases the steps shown or described may be performed in an order different from that shown or described herein.

[0119] image 3 is a schematic diagram of a risk assessment system based on a consumer credit scenario according to an embodiment of the present invention, such as image 3 As shown, the system includes the following steps: an input device 32 and a processor 34 .

[0120] Wherein, the input device 32 is used for inputting the credit evaluation data of the object to be evaluated, wherein the credit evaluation data includes: credit investigation data, application repayment data, p...

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Abstract

The invention discloses a risk assessment method based on a consumption loan scene, and system implementation. The method comprises the steps: obtaining credit assessment data of a to-be-assessed object, wherein the credit assessment data comprises credit data, application repayment data, accumulation fund data, account statement data, and communication data; judging whether the credit assessmentdata meets a preset assessment condition or not; inputting the credit assessment data into a preset credit scoring model under the condition that the credit assessment data meets the preset assessmentcondition, and obtaining a credit score of the to-be-assessed object, wherein the credit score is used for representing the income state and consumption capability of the to-be-assessed object; and obtaining a credit assessment result of the to-be-assessed object according to the credit score of the to-be-assessed object. The method solves a technical problem that the single assessment dimensionof a risk assessment method of a consumption load scene causes the low accuracy of an assessment result in the prior art.

Description

technical field [0001] The invention relates to the field of bank credit, in particular to a risk assessment method and system implementation based on a consumer credit scenario. Background technique [0002] In recent years, my country's consumer credit business has developed rapidly. When conducting business, various consumer financial institutions need to conduct risk assessments on loan applicants to reduce the possibility of bad debts and bad debts. The loan approval of traditional financial institutions is through the customer's credit report. With the help of FICO (the personal credit scoring system in the United States, mainly launched by the Fair Isaac Company, the scoring system is named after this) technology, a scorecard model is constructed, and the evaluation dimension is relatively single. The evaluation results lack comprehensiveness, focusing on assessing the applicant's default risk while ignoring the applicant's repayment ability and consumption ability. ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 王亚舟徐欣力梁文姜宇珩潘子琳
Owner 广州越秀金融科技有限公司
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