Risk prediction processing method, device, computer equipment and medium

Abstract

The present application relates to a risk prediction processing method, device, computer equipment and storage medium based on big data analysis. The method includes: obtaining risk data of target customers, the risk data carrying customer identification; extracting risk indicators from the risk data; obtaining a risk prediction model, the risk prediction model includes multiple risk factors; according to the The risk factor screens the multiple extracted risk indicators; the screened risk indicators are input into the risk prediction model, and the risk score corresponding to the customer identifier is outputted. 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, and in particular, to a risk prediction processing method, apparatus, computer equipment and medium. Background technique [0002] In order to avoid risks, financial institutions involved in loan business need to constantly monitor and predict whether customers have default risk before, during or 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 is mainly that the risk control department personnel track the risk of the customer, and manually predict the customer's credit risk status or other potential risks based on the customer-related information learned during the tracking pro...

AI Technical Summary

Problems solved by technology

This method of manual tracking and analysis not only reduces the efficiency of forecasting, but also makes it difficult to guarantee the accuracy of forecasting

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