Risk prediction processing method and apparatus, computer device and medium

A technology of risk forecasting and processing method, applied in the computer field, can solve the problems of reducing forecasting efficiency, difficult to guarantee forecasting accuracy, etc., to achieve the effect of improving efficiency

Active Publication Date: 2019-01-08
PING AN TECH (SHENZHEN) CO LTD
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Problems solved by technology

This method of manual tracking and analysis not only reduces the efficiency of f

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  • Risk prediction processing method and apparatus, computer device and medium
  • Risk prediction processing method and apparatus, computer device and medium
  • Risk prediction processing method and apparatus, computer device and medium

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[0021] In order to make the purpose, technical solution and advantages of the present application clearer, the present application 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 application, and are not intended to limit the present application.

[0022] The risk prediction processing method provided by this application can be applied to such as figure 1 shown in the application environment. The terminal 102 and the server 104 communicate through a network. Wherein, the terminal 102 can be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices, and the server 104 can be realized by an independent server or a server cluster composed of multiple servers. When it is necessary to perform risk prediction on target customers, the user may send a ...

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Abstract

The present application relates to a risk prediction processing method and apparatus based on big data analysis, a computer device and a storage medium. The method comprises the following steps of: obtaining risk data of a target customer, wherein the risk data carries a customer identification; extracting a risk indicator from the risk data; acquiring a risk prediction model, the risk predictionmodel comprising a plurality of risk factors; screening the extracted plurality of risk indicators according to the risk factors; inputting the screened risk indicators into the risk prediction model,and outputting the risk score corresponding to the customer identification. The method can improve the efficiency and accuracy of risk prediction.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a risk prediction processing method, device, computer equipment and media. Background technique [0002] In order to avoid risks, financial institutions involved in the loan business need to continuously monitor and predict whether customers have default risks before, during, and even after lending. Risk prediction refers to the use of various information channels and analysis methods to determine early warning indicators according to the risk strategy and risk preference of financial institutions, and to measure the risk status of customers in a timely manner based on these indicators. [0003] The traditional risk prediction method mainly involves the risk control department personnel to track the risk of customers, and manually predict the customer's credit risk status or other potential risks based on the customer-related information learned during the tracking pr...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
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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