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A financial risk assessment method and system

A risk assessment system and risk assessment technology, applied in finance, instruments, data processing applications, etc., can solve problems such as large errors in assessment results, low overall efficiency, and disordered social and economic order, and achieve wide analysis, high efficiency, and Good results in financial risk assessment

Pending Publication Date: 2019-04-16
上海硕恩网络科技股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Risks in specific financial transaction activities of a financial institution may pose a threat to the survival of the financial institution; a specific financial institution in crisis due to poor management may pose a threat to the sound operation of the entire financial system; Systemic risk, the failure of the financial system will inevitably lead to chaos in the economic order of the whole society, and even lead to serious political crises
[0003] At present, in order to avoid financial risks, it is generally necessary to conduct financial risk assessments. The existing financial risk assessments mainly rely on manual analysis and assessment by staff, and the overall efficiency is low. For the analysis and assessment of a large amount of data, it is easy to make mistakes, resulting in assessment The results have large errors, which is not conducive to improving the stability of financial risk assessment

Method used

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  • A financial risk assessment method and system
  • A financial risk assessment method and system
  • A financial risk assessment method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0035] see figure 1 , in an embodiment of the present invention, a financial risk assessment method, a financial risk assessment method, includes the following steps:

[0036] S10. When receiving the evaluation request sent by the user for evaluating financial risks, read the business attributes of the user account according to the user account in the evaluation request, and judge whether the business attributes meet the evaluation requirements; The business is acceptable, and the business that does not meet the requirements is rejected; no manual recording and analysis is required, and the overall efficiency of financial risk assessment is improved;

[0037] S20. When it is judged that the business attribute meets the evaluation requirements, read the financial data of the user account according to the user account in the evaluation request, and perform data audit on the financial data to ensure the accuracy of the financial data;

[0038] S30. Perform commercial value analy...

Embodiment 2

[0043] see figure 2 , in an embodiment of the present invention, a financial risk assessment system, comprising:

[0044] The reading module is used to read the business attributes of the user account and read the financial data of the user account; the reading module includes a first reading unit and a second reading unit, and the first reading unit uses In order to read the business attribute of the user account, the second reading unit is used for the judging module to read the financial data of the user account after judging that the business attribute meets the assessment requirements.

[0045] A judging module, configured to judge whether the business attributes meet the assessment requirements;

[0046] An audit module, configured to audit the financial data to ensure the accuracy of the financial data;

[0047] An analysis module, configured to perform business value analysis and business risk analysis on the financial data, and obtain business value analysis data a...

Embodiment 3

[0050] see image 3 , in an embodiment of the present invention, a financial risk assessment device, including a memory, a processor, a communication bus, and a financial data review and financial risk assessment program stored in the memory;

[0051] The communication bus is used to realize connection and communication between the processor and the memory;

[0052] The processor is configured to execute the financial data review and financial risk assessment programs, so as to realize the financial risk assessment method described in Embodiment 1.

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Abstract

The invention discloses a financial risk assessment method, relates to the technical field of financial risk assessment, and mainly aims to solve the problems of low efficiency and large error of existing financial risk assessment. The method comprises the following steps: reading a service attribute of a user account according to the user account in an evaluation request; Reading financial data of the user account according to the user account in the evaluation request, and carrying out data auditing on the financial data; Performing commercial value analysis on the financial data; Performingbusiness risk analysis on the financial data; And assessing the financial risk according to the commercial value analysis data and the commercial risk analysis data. Through commercial value analysisand commercial risk analysis, financial risks are evaluated comprehensively, financial risk evaluation data are obtained, manual recording and analysis are not needed, the financial risk evaluation efficiency is high, the analysis range is wide, and the financial risk evaluation effect is good.

Description

technical field [0001] The invention relates to the technical field of financial risk assessment, in particular to a financial risk assessment method and system. Background technique [0002] Financial risk refers to risks related to finance, such as financial market risk, financial product risk, financial institution risk, etc. The consequences of a risk to a financial institution often outweigh the impact on itself. Risks in specific financial transaction activities of a financial institution may pose a threat to the survival of the financial institution; a specific financial institution in crisis due to poor management may pose a threat to the sound operation of the entire financial system; Systemic risk and the failure of the financial system will inevitably lead to chaos in the economic order of the entire society, and even lead to serious political crises. [0003] At present, in order to avoid financial risks, it is generally necessary to conduct financial risk asse...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 黄云
Owner 上海硕恩网络科技股份有限公司
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