Risk prediction method and apparatus based on machine learning, computer device and storage medium

A risk prediction and machine learning technology, applied in the computer field, can solve problems such as low accuracy, achieve the effect of improving accuracy and expanding the dimension of risk prediction

Active Publication Date: 2019-03-29
PING AN TECH (SHENZHEN) CO LTD
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Problems solved by technology

The traditional risk prediction mainly obtains the risk prediction results through st...

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  • Risk prediction method and apparatus based on machine learning, computer device and storage medium
  • Risk prediction method and apparatus based on machine learning, computer device and storage medium
  • Risk prediction method and apparatus based on machine learning, computer device and storage medium

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[0020] 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.

[0021] The risk prediction method based on machine learning provided by this application can be applied to such as figure 1 shown in the application environment. Wherein, the terminal 102 communicates with the server 104 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 a user needs to perform risk prediction on a selected virt...

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Abstract

The present application relates to a risk prediction method and apparatus based on machine learning, a computer device and a storage medium. The method includes obtaining first risk data of a trainingsample; Preprocessing the first risk data to obtain a plurality of basic risk factors; Identifying an associated sample of the training sample and climbing the second risk data of the associated sample; Preprocessing the second risk data to obtain a plurality of associated risk factors; Screening the basic risk factors and associated risk factors to obtain a variety of effective risk factors; training The machine learning model based on the effective risk factors, and obtaining the risk prediction model; Based on the risk prediction model, monitoring the existence of risk behaviors of monitoring objects. The method can improve the risk prediction efficiency.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a machine learning-based risk prediction method, device, computer equipment and storage medium. Background technique [0002] Risk prediction is a necessary business link in many industries. For example, in the financial industry, it is necessary to monitor whether there is a risk of default in the issuer of virtual resources. Risk prediction refers to the process of using various information channels and analysis methods to determine identification indicators according to the enterprise's risk strategy and risk preference, and using these indicators as a starting point to identify potential risks in a timely manner. The traditional risk prediction mainly obtains the risk prediction results through statistics, analysis and comparison of data, but the accuracy of such prediction method is low. Contents of the invention [0003] Based on this, it is necessary to pro...

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Application Information

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IPC IPC(8): G06Q10/04G06Q10/06
CPCG06Q10/04G06Q10/0635
Inventor 季洁璐何友鑫彭琛汪伟
Owner PING AN TECH (SHENZHEN) CO LTD
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