Problem probability prediction method and device, computer equipment and storage medium

A probabilistic prediction and probability technology, applied in the computer field, can solve problems such as low efficiency and accuracy, time lag, and different standards for analysis and early warning, and achieve the effect of improving efficiency and accuracy

Pending Publication Date: 2019-04-19
PING AN TECH (SHENZHEN) CO LTD
View PDF0 Cites 24 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, banks can only collect early warnings for corporate defaults after the time occurs, and the time lags behind. Most banks now use expert risk control models to carry out risk early warnings. Due

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Problem probability prediction method and device, computer equipment and storage medium
  • Problem probability prediction method and device, computer equipment and storage medium
  • Problem probability prediction method and device, computer equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0047] 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.

[0048] The default probability prediction method 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 the network. The server 104 obtains the identification of the source of distress sent by the terminal 102, and inquires whether there is a matching target entity in the preset knowledge map according to the identification of the source of distress; Entity; server 104 obtains the risk early warning feature vector based on the state attribute information of t...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention relates to a deep neural network in artificial intelligence, and provides a default probability prediction method and device, computer equipment and a storage medium. The method comprises the steps of acquiring an insurance source identifier, and inquiring whether a matched target entity exists in a preset knowledge graph or not according to the insurance source identifier; When thematched target entity exists, obtaining a to-be-predicted entity associated with the target entity in a preset knowledge graph; And based on the state attribute information of the to-be-predicted entity and the association relationship between the to-be-predicted entity and the target entity, obtaining a risk early warning feature vector, inputting the risk early warning feature vector into a trained risk early warning model for prediction, obtaining a default probability vector, and obtaining the default probability of the to-be-predicted entity according to the default probability vector. Byadopting the method, the efficiency and accuracy of default probability prediction can be improved.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a default probability prediction method, device, computer equipment and storage medium. Background technique [0002] The probability of default refers to the possibility that the borrowing enterprise will not be able to repay the principal and interest of the bank loan or perform related obligations according to the contract requirements within a certain period of time in the future. The probability of default is the basis for calculating the expected loss of the loan, loan pricing and credit portfolio management. At present, banks can only collect early warnings for corporate defaults after the time occurs, and the time lags behind. Most banks now use expert risk control models to carry out risk early warnings. Due to different standards for analysis and early warnings based on expert opinions, subjective It is highly sensitive, but its efficiency and accuracy are r...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q10/04G06Q40/02G06F16/36
CPCG06Q10/04G06Q40/03
Inventor 高晓辉叶素兰李国才王芊何子龙楼华
Owner PING AN TECH (SHENZHEN) CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap