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Intelligent identification risk management method, apparatus, computer device and storage medium

A risk management and intelligent identification technology, applied in computing, data processing applications, instruments, etc., can solve the problem of low efficiency of loan risk identification

Pending Publication Date: 2019-03-12
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The embodiment of the present invention provides an intelligently identified risk management method, device, computer equipment, and storage medium to solve the problem of low identification efficiency of loan risks

Method used

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  • Intelligent identification risk management method, apparatus, computer device and storage medium
  • Intelligent identification risk management method, apparatus, computer device and storage medium
  • Intelligent identification risk management method, apparatus, computer device and storage medium

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Embodiment Construction

[0034] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0035] The risk management method of intelligent identification provided by this application can be applied in such as figure 1 In the application environment of , where the client communicates with the server through the network, the server obtains N preset questions, obtains the user ID through the client, and obtains user information according to the user ID; then based on the N preset questions and the user Obtain N question standard information fr...

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Abstract

The invention belongs to the field of speech semantics, and discloses a risk management method, a device, a computer device and a storage medium for intelligent identification. The method comprises the following steps: obtaining preset problems, wherein, the preset problems are N, N is a positive integer; Obtaining a user identification and obtaining user data according to the user identification;Obtaining N question standard information based on N preset questions and the user data; Obtaining N user audio data based on N preset questions; Inputting N audio data of the user into a preset natural language processing model to obtain N problem test information; Judging whether each of the problem test information and the corresponding problem standard information are consistent, and obtaining a first risk score according to the judgement results of N of the problem test information; Outputting a first risk identification result according to the first risk score. The technical proposal provided by the invention can reduce the setting cost of manpower and improve the efficiency of loan risk assessment.

Description

technical field [0001] The invention belongs to the field of speech semantics, and more specifically relates to a risk management method, device, computer equipment and storage medium for intelligent identification. Background technique [0002] At present, before lending, bank staff need to call the lender to review the lender, or meet with the lender for a face-to-face review, evaluate the loan risk and approve the specific loan amount based on the results of the call or face-to-face review. However, in this way of reviewing lenders, the bank needs to invest a lot of manpower, and the interview needs experienced staff to be competent. In addition, even experienced interviewers can easily miss the subtle changes in the lender's expression, making it impossible to assess the real loan risk. Thirdly, when making phone calls or face-to-face interviews, bank staff have incomplete information on the lender, so they cannot conduct a comprehensive review of the lender, cannot ref...

Claims

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Application Information

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