Method, terminal device and computer readable storage medium for determining user risk level
A technology of risk level and terminal equipment, which is applied in the field of data processing, can solve the problems of unobjective and untrue information data, reduce the accuracy of user risk level, and achieve the effect of improving accuracy
Inactive Publication Date: 2018-10-16
PING AN TECH (SHENZHEN) CO LTD
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However, in the way of determining the risk level, the information and data are all provided by the users themselves, and there are likely to be unobjective and untrue information and data, which reduces the accuracy of the user's risk level determination
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[0026] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
[0027] In the embodiment of the present invention, by acquiring the historical transaction data of the target user, and then based on the preset risk assessment conditions, the target data is screened from the historical transaction data. The target data is investment type transaction data, and finally the target data is input into the risk level model, the risk level The model is used to determine the risk level of the target user based on the target data, avoiding the phenomenon that the information data is not objective and untrue because the information data is provided by the user in the determ...
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The invention is applicable to the technology field of data processing, and provides a method, a terminal device, and a computer readable storage medium for determining a user risk level. According toa method for determining a user risk level, filtering the target data from the historical transaction data by obtaining historical transaction data of a target user, then based on the preset risk assessment conditions, ; the target data is the investment type transaction data, and finally the target data is input into the risk level model; the risk level model is used to determine the risk levelof the target user according to the target data. The phenomenon that in the etermination of the risk level, the information data is provided by the user, and the information data is not objective andunreal is avoided. The user risk level is determined according to the actual investment data of the user, and the accuracy level of the user risk level is improved.
Description
technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to a method for determining a user risk level, a terminal device and a computer-readable storage medium. Background technique [0002] With the improvement of people's income level, more and more people are willing to use their idle property to subscribe for wealth management products. Before introducing financial products to users, it is necessary to understand the risk tolerance of users, that is, to determine the risk level of users, so as to introduce suitable financial products to users. [0003] The existing way to determine the user risk level is to configure the questionnaire, calculate the points according to the user's options in the questionnaire, and then determine the user risk level according to the corresponding score value. However, in the way of determining the risk level, the information and data are all provided by the users themselves, which ...
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IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 周俊琨陈龙许扬官民
Owner PING AN TECH (SHENZHEN) CO LTD