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Risk control system and method and computer readable storage medium

A risk control and risk technology, applied in computing, instruments, finance, etc., can solve the problems of low efficiency in the evaluation of user risk tolerance, achieve the effect of saving repetitive operations and time, and improving evaluation efficiency

Active Publication Date: 2018-10-09
BEIJING JINGDONG SHANGKE INFORMATION TECH CO LTD +1
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AI Technical Summary

Problems solved by technology

[0004] One of the technical problems to be solved by the present disclosure is: the above-mentioned problem of inefficiency in assessing the user's risk tolerance

Method used

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  • Risk control system and method and computer readable storage medium
  • Risk control system and method and computer readable storage medium
  • Risk control system and method and computer readable storage medium

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Embodiment Construction

[0044] The following will clearly and completely describe the technical solutions in the embodiments of the present disclosure with reference to the drawings in the embodiments of the present disclosure.

[0045] figure 1 It is a schematic diagram of some embodiments of the disclosed risk control system.

[0046] Such as figure 1 As shown, the risk control system of this embodiment includes: an alliance blockchain composed of several blockchain nodes, and each blockchain node corresponds to a financial institution. Financial institutions include, but are not limited to, banks, fund companies, insurance companies, trust companies, etc. In the consortium blockchain, the consensus formation process is controlled by a preset number of nodes in the consortium blockchain. For example, in the consortium blockchain formed by 15 financial institutions, each financial institution controls a blockchain node. When a new financial institution applies to join, all financial institutions ...

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Abstract

The invention proposes a risk control system and method and a computer readable storage medium, and relates to the field of risk control. The system comprises an alliance blockchain which consists ofa plurality of blockchain nodes, wherein each blockchain node is corresponding to one financial institution, and any one first blockchain node in the alliance blockchain is configured to respond to arequest that a user purchases a financial product of the corresponding first financial institution through the first blockchain node; obtaining the risk evaluation questions, answered by the user at one time, of a second financial institution and the answers of the questions from the alliance blockchain; evaluating the risk tolerance of the user for the first financial institution according to therisk evaluation questions, answered by the user at one time, of the second financial institution and the answers of the questions, wherein the evaluation result serves as a reference for judging whether the user is suitable to purchase a financial product of the first financial institution or not. Therefore, the method saves some repeated operation and time for the user in the evaluation process,and improves the evaluation efficiency of the risk tolerance of the user.

Description

technical field [0001] The present disclosure relates to the field of risk control, in particular to a risk control system and method and a computer-readable storage medium. Background technique [0002] In financial services, financial institutions provide users with risk assessment questions, and users submit answers to risk assessment questions to financial institutions. Financial institutions evaluate users' risk tolerance based on the answers given by users to risk assessment questions to determine the The user's risk tolerance level. Users can purchase financial products whose investment risk is compatible with their risk tolerance level. Contents of the invention [0003] The inventor found that if users purchase financial products from different financial institutions, they need to conduct multiple risk tolerance assessments based on multiple risk assessment questions of these financial institutions, which is inefficient and the user experience is not good. [00...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 袁猛冲
Owner BEIJING JINGDONG SHANGKE INFORMATION TECH CO LTD
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