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Optimal processing method, device, computer equipment and medium for customer risk warning

A risk early warning and risk prediction technology, applied in the computer field, can solve the problems of ignoring potential characteristic information of various customer risk factors, and achieve the effect of improving efficiency

Active Publication Date: 2022-07-08
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, at present, the computer only mechanically superimposes multiple customer risk factors learned by risk control personnel in the process of customer risk tracking, and often ignores the potential characteristic information of multiple customer risk factors. Need to optimize

Method used

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  • Optimal processing method, device, computer equipment and medium for customer risk warning
  • Optimal processing method, device, computer equipment and medium for customer risk warning
  • Optimal processing method, device, computer equipment and medium for customer risk warning

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Embodiment Construction

[0021] In order to make the purpose, technical solutions and advantages of the present application more clearly understood, the present application will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application, but not to limit the present application.

[0022] The optimized processing method for customer risk early warning provided by this application can be applied to such as figure 1 in the application environment shown. The terminal 102 communicates with the server 104 through the network. The terminal 102 can be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices, and the server 104 can be implemented by an independent server or a server cluster composed of multiple servers. When a risk prediction needs to be performed on a target c...

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Abstract

The present application relates to an optimized processing method, device, computer equipment and storage medium for customer risk early warning based on big data analysis. The method includes: acquiring risk data of target customers at multiple time nodes; extracting risk indicators of the risk data; converting a plurality of the time nodes and the risk indicators corresponding to each time node through a first model to obtain Dense feature matrix; perform risk calculation based on the dense feature matrix to obtain a corresponding risk score; perform customer risk early warning based on the risk score. Using this method can improve the efficiency and accuracy of risk early warning.

Description

technical field [0001] The present application relates to the field of computer technology, and in particular, to an optimized processing method, device, computer equipment and medium for customer risk early warning. Background technique [0002] In order to avoid risks, financial institutions involved in loan business need to issue customer risk warnings to customers after lending. Customer risk early warning means that through on-site inspection or off-site inspection and other post-loan inspections, the combination of quantitative and qualitative analysis is used to detect loan risks as early as possible, and early warning is carried out in time, so that business personnel can take action against problem loans according to the prescribed authority and procedures. targeted treatment measures. [0003] In order to improve the timeliness of risk early warning, financial institutions often use computers to carry out risk early warning. However, at present, the computer only...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q40/02
CPCG06Q10/04G06Q10/0635G06Q40/03
Inventor 陈凯帆叶素兰李国才王芊宋哲吴雨甜
Owner PING AN TECH (SHENZHEN) CO LTD
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