Financial service risk assessment method, risk control server and storage medium

Abstract

The invention discloses a financial business risk assessment method, a risk control server side and a storage medium. The method comprises the steps of obtaining a preset number of risk assessment sample data of sample users; Performing clustering analysis on the risk assessment sample data by using a K-means algorithm to obtain K sample categories and sample data corresponding to the sample categories; Before a financial business handling request is received, risk assessment data of a user is obtained, and according to the risk assessment data and a sample type, the sample type to which the risk assessment data belongs is determined; Adding the risk assessment data into the sample data corresponding to the determined sample category to form new sample data; Calculating the new sample datathrough a decision tree algorithm to derive a decision condition; And updating the decision tree model according to the decision conditions, and evaluating the risk probability of the financial business through the updated decision tree model. According to the invention, the self-learning capability of the risk control model is improved, and the accuracy of risk control evaluation is improved.

Description

technical field [0001] The invention relates to the field of risk control, in particular to a risk assessment method for financial business, a risk control server and a computer-readable storage medium. Background technique [0002] Risk control, referred to as risk control, means that risk managers adopt various methods and measures to eliminate or reduce the possibility of risk events, so as to achieve the purpose of reducing losses caused by risk events. The first step in risk control is to assess the possibility of risk events. [0003] When traditional risk control evaluates the possibility of risk events, it mainly judges based on various business rules that have been set. For example, a user being blacklisted belongs to a business rule that directly determines that the incidence rate of risk events is 100%. Assuming that user A is blacklisted, the traditional risk control evaluation system will consider that the occurrence rate of risk events corresponding to user A ...

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a risk assessment method for financial business, a risk control server and a computer-readable storage medium, aiming to solve the problem of inaccurate risk control assessment results due to insufficient self-learning ability of traditional risk control models

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