Loan risk control rule adjustment method, device, device and computer storage medium

A technology for adjusting methods and rules, applied in the financial field, which can solve the problems such as the lag in taking effect of risk control rules, the inability to effectively intercept fraudsters in real time, and the inability to adjust the conditions of online rules immediately.

Inactive Publication Date: 2019-02-26
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Application Information

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Problems solved by technology

[0005] The main purpose of the present invention is to provide a loan risk control rule adjustment method, device, equipment, and computer storage medium, aiming to solve the problem that the existing technology cannot achieve immediate online rule condition adjustment, so that the new risk control rules will take effect. Technical issues preventing more fraudsters from being effectively blocked in real time

Method used

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  • Loan risk control rule adjustment method, device, device and computer storage medium
  • Loan risk control rule adjustment method, device, device and computer storage medium
  • Loan risk control rule adjustment method, device, device and computer storage medium

Examples

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no. 1 example

[0071] Based on the first embodiment, the second embodiment of the loan risk control rule adjustment method of the present invention is proposed, referring to image 3 , in this embodiment, step S30 includes:

[0072] Step S31, if multiple risk indicators are used as the comprehensive risk indicator, obtain the weight of each risk indicator in the comprehensive risk indicator, and calculate the weight sum of the weights of each risk indicator;

[0073]In this embodiment, multiple risk indicators are used as the comprehensive risk indicators, the first rule condition is determined according to the multiple risk indicators, the weight of each risk indicator in the comprehensive risk indicators is obtained, and the sum of the weights is calculated. The corresponding weights of different income, age and educational background can be set differently. For example, when the three risk indicators of income, age, and educational background are used as the comprehensive risk index, the ...

no. 7 example

[0109] Based on any of the above embodiments, the seventh embodiment of the loan risk control rule adjustment method of the present invention is proposed, referring to Figure 8 , in this embodiment, the loan risk control rule adjustment method also includes:

[0110] Step S50, counting the number of users who execute the risk control rules to intercept loan application users, and the reasons for interception;

[0111] In this embodiment, the interception reasons include user behavior information, rule conditions in risk control rules, risk indicators, standard parameters, comprehensive weights, etc. For example, the risk indicator is income, and the income in the loan data is obtained through machine learning model training. If the overdue rate of the corresponding group is greater than the preset threshold, the income range corresponding to the income is used as the first rule condition, and the rule condition is pushed to the rule engine, and the risk control rule correspon...

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Abstract

The invention discloses a method for adjusting loan risk control rules, which comprises the following steps: acquiring historical loan data, detecting and counting risk indexes of historical loan data, wherein, the loan data comprises pre-loan data and post-loan data; The pre-loan data and the post-loan data are used as input training set and output training set respectively, and the machine learning model is trained based on the input training set and output training set. Whether the standard parameter corresponding to the risk index is greater than the preset threshold value is determined bytraining. If the standard parameter is greater than the preset threshold value, the index range corresponding to the risk index is taken as the first rule condition. The first rule condition is pushed to the rule engine, and the wind control rule corresponding to the first rule condition is executed to evaluate the user behavior of the user applying for the loan. The invention also discloses a loan wind control rule adjusting device, a device and a computer storage medium. The invention intelligently predicts and adjusts the wind control rules according to the machine learning model, and effectively intercepts more fraudulent elements.

Description

technical field [0001] The present invention relates to the field of financial technology, in particular to a loan risk control rule adjustment method, device, equipment and computer storage medium. Background technique [0002] Commercial banks are high-debt and high-risk industries based on credit and mainly operating currency lending and settlement businesses. The key position and role of commercial banks in a country's national economy and their operating characteristics have led to commercial bank operating risks. It has great influence in the entire national economy. In the process of rapid credit growth, a large number of loans cannot be recovered due to various complicated reasons, resulting in a large number of fraudsters. Therefore, it is especially important to determine the loan application qualifications of loan users , the traditional loan approval method is that the staff of the financial institution manually review the loan request of the borrower. How much ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 刘中原
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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