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A user investment risk assessment method and device and storage medium

A risk assessment and user technology, applied in the field of risk assessment, which can solve the problems of inaccurate risk assessment results and low assessment efficiency.

Active Publication Date: 2020-07-24
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Therefore, the user investment risk assessment method provided by the existing technology has the problems of inaccurate risk assessment results and low assessment efficiency

Method used

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  • A user investment risk assessment method and device and storage medium
  • A user investment risk assessment method and device and storage medium
  • A user investment risk assessment method and device and storage medium

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Experimental program
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Embodiment Construction

[0032] Embodiments of the present invention provide a user investment risk assessment method, device and storage medium, which can be used to improve the efficiency of user investment risk assessment, and have the effect of accurate assessment.

[0033] In order to make the purpose, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the following The described embodiments are only some, not all, embodiments of the present invention. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention belong to the protection scope of the present invention.

[0034] The terms "comprising" and "having" in the description and claims of the present invention and the above drawings, as well as any v...

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Abstract

The embodiment of the invention discloses a user investment risk assessment method and device and a storage medium, which are used for improving the investment risk assessment efficiency of a user andhave the effect of accurate assessment. The embodiment of the invention provides the user investment risk assessment method, which comprises the following steps: obtaining the transaction behavior data of a user to be evaluated from an investment transaction platform, wherein the transaction behavior data is used for representing the transaction behavior adopted by the user to be evaluated underdifferent profit and loss environments; obtaining the transaction behavior data of the user to be evaluated from an investment transaction platform; constructing behavior parameters of the user to beevaluated and environmental parameters of the user to be evaluated according to the transaction behavior data; using the behavior parameter and the environment parameter as input parameters of the reinforcement learning model, outputting the maximum investment risk tolerance information corresponding to the user to be evaluated through the reinforcement learning model.

Description

technical field [0001] The present invention relates to the technical field of risk assessment, in particular to a user investment risk assessment method, device and storage medium. Background technique [0002] The identification of investment risks that users can bear is a very important link in financial scenarios. It can not only effectively evaluate whether the user's investment risk ability matches the risk rating of the product, but also recommend different risk products for users with different risk preferences. [0003] The current general user investment risk assessment adopts the method of filling out questionnaires. In the questionnaire, set whether there is investment experience, investment return expectations, the percentage of investment-linked insurance premiums in household income, the maximum drop limit that can be tolerated in one year of investment, etc. Options are left to the user to fill in. Then evaluate the user's investment style according to the f...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q40/06
CPCG06Q10/0635G06Q40/06
Inventor 杨凡施雯洁黄斐
Owner TENCENT TECH (SHENZHEN) CO LTD