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Credit analysis method, device, apparatus, and readable storage medium

An analysis method and credit technology, applied in the field of big data, can solve the problems of single verification, reducing the accuracy of credit risk analysis, ignoring the correlation between documents and other credit information, etc., to find, avoid and improve the accuracy. Effect

Pending Publication Date: 2019-04-16
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

The traditional credit analysis method only conducts a single verification of each certificate when analyzing each certificate. This analysis method ignores the correlation between the certificate and other credit information, thus reducing the credit risk analysis. the accuracy of

Method used

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  • Credit analysis method, device, apparatus, and readable storage medium
  • Credit analysis method, device, apparatus, and readable storage medium
  • Credit analysis method, device, apparatus, and readable storage medium

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Embodiment Construction

[0026] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0027] The credit analysis method involved in the embodiment of the present invention is mainly applied to a credit analysis device, which may be a personal computer (personal computer, PC), a notebook computer, a server and other devices with data processing functions.

[0028] refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the credit analysis device involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the credit analysis device may include a processor 1001 (such as a Central Processing Unit, CPU), a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Wherein, the communication bus 1002 is used to realize the connection and communication between these components; the user inte...

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Abstract

The invention provides a credit analysis method and device, an apparatus and a readable storage medium. The invention integrates and associates the credit certificate number of a loan applicant with other information (including the information of the loan applicant and the historical credit information) in a relation mode, thereby facilitating the determination of the relationship between the credit certificate and other information. Combined with the black (or gray) processing logic, the method analyzes and detects the risk of credit documents, so as to effectively predict the risk of creditfraud in the form of big data analysis, improve the accuracy of credit analysis, and be able to more effectively early warning of potential risks, can be found as soon as possible and avoid risks andreduce the bad debt rate of loans.

Description

technical field [0001] The invention relates to the field of big data, in particular to a credit analysis method, device, equipment and a readable storage medium. Background technique [0002] With the rapid development of society and financial industry, credit business is active in the market. Before lending money, credit institutions need to conduct risk control analysis on loan applicants to determine their risk of fraud; during the analysis process, the analysis of loan applicants' documents, such as ID cards, driver's licenses, and passports, is often involved. The traditional credit analysis method only conducts a single verification of each certificate when analyzing each certificate. This analysis method ignores the correlation between the certificate and other credit information, thus reducing the credit risk analysis. accuracy. Contents of the invention [0003] The main purpose of the present invention is to provide a credit analysis method, device, equipment ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 向纯玉
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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