Guaranteed loan network risk management method

Abstract

The invention relates to a guaranteed loan network risk management method. The method comprises the following steps of 1, performing selective adoption on basic information of all clients in a guaranteed loan network through a data collection module; 2, performing five behavior division on the collected information in the step 1 through an eigenvector extraction module; 3, building a contract breach assessment model according to five divided behaviors in the step 2; 4, collecting basic information of a client from the guaranteed loan network and inputting the information to the contract breachassessment model in the step 3 for performing analysis; and 5, viewing an anticipatory contract breach judgment result of the assessment model to a client through a visible window module. The methodcan improve the accuracy of bank loan risk contract breach assessment.

Description

technical field [0001] The invention relates to the technical field of financial management systems, in particular to a method for network risk management of secured loans. Background technique [0002] Risk management is the core of all financial businesses, and has always been the focus of local governments and banks on financial security. The so-called enterprise guarantee network (also known as guarantee circle) refers to the network structure organization formed by the mutual connection between enterprises through guarantee contracts. The guarantee circle originated from the government's response to the financing difficulties of small and medium-sized enterprises, which restricts economic development worldwide. In addition to going public, usually corporate financing mainly obtains loans from banks. However, small and medium-sized enterprises that are more active in the economic field and lack funds often lack the scale of profitability and cannot go public, and becau...

AI Technical Summary

Problems solved by technology

However, during the economic downturn, while the complex network relieves the risk of corporate default, it may also lead to large-scale infection and spread of default.

If a single default event spreads through the network, it may lead to a large-scale default wave, which will pose a major threat to regional industries, bank funds, social security, etc.

The major systemic financial safety hazards brought about by corporate affiliated guaranteed loans include: fraudulent use of funds, excessive corporate financing, and even easy formation of regional and industry systemic risks, etc.

However, the traditional bank guarantee loan security strategy is facing huge challenges to the increasingly complex guarantee network risk management issues: the existing loan review, monitoring, anti-fraud and decision-making mechanisms lag behind market demand, and the current bank loan evaluation methods are mainly for large enterprises. Design, credit evaluation usually mainly considers the financial information of the enterprise, and it is difficult to consider the dependence of the borrower in the increasingly complex guarantee network

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