Risk assessment method and device, storage medium and computer equipment

A technology of risk assessment and storage media, applied in the field of data processing, can solve problems such as low efficiency and slow review cycle, and achieve the effect of improving assessment efficiency and reducing business loss

Pending Publication Date: 2019-05-03
ONE CONNECT SMART TECH CO LTD SHENZHEN
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AI Technical Summary

Problems solved by technology

[0003] At present, in the loan business review process of credit companies, the applicant's identity information, residence information, work information, property information, credit information, etc. are usually reviewed according to the loan business application standards. The review cycle is slow and inefficient. How to improve audit efficiency on the premise of ensuring audit accuracy has become a key issue facing credit companies

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  • Risk assessment method and device, storage medium and computer equipment
  • Risk assessment method and device, storage medium and computer equipment
  • Risk assessment method and device, storage medium and computer equipment

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Embodiment Construction

[0024] Hereinafter, the present application will be described in detail with reference to the drawings and embodiments. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

[0025] In this embodiment, a risk assessment method is provided, such as figure 1 As shown, the method includes:

[0026] Step 101, receiving the risk assessment request sent by the requesting party, the risk assessment request includes the identity of the person to be assessed and the application business code.

[0027] The server receives the risk assessment request from the requesting party, where the requesting party can be a credit company server. After the credit company conducts a preliminary risk assessment on the customer, it generates a risk based on the identity of the customer to be assessed and the business code of the business applied by the customer. The evaluation request is se...

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Abstract

The invention discloses a risk assessment method and device, a storage medium and computer equipment, and the method comprises the steps: receiving a risk assessment request sent by a requester, the risk assessment request comprising an identity identifier of a person to be assessed and an application service code; if the blacklist information of the person to be assessed is found from the sharedblacklist database according to the identity identifier of the person to be assessed, determining application conditions corresponding to the application service codes according to the application service codes, the shared blacklist database comprising blacklist information provided by a plurality of requesters; if it is judged that the person to be evaluated meets the application condition according to the blacklist information, evaluation passing information is sent to the requester; and if it is judged that the person to be evaluated does not meet the application condition according to theblacklist information, evaluation rejection information is sent to the requester. According to the method, the multi-party shared blacklist database is used for risk assessment of the person to be assessed, the service application assessment efficiency is improved, and the service bad account risk is reduced.

Description

technical field [0001] The present application relates to the technical field of data processing, in particular to a risk assessment method and device, storage medium, and computer equipment. Background technique [0002] As a resource-rich and flexible means of financing, borrowing has greatly alleviated the contradiction of insufficient funds and promoted economic development in today's continuous development of the market economy. In the process of lending, risk control is the key factor for the healthy development of lending. [0003] At present, in the loan business review process of credit companies, the applicant's identity information, residence information, work information, property information, credit information, etc. are usually reviewed according to the loan business application standards. The review cycle is slow and inefficient. How to improve audit efficiency on the premise of ensuring audit accuracy has become a key issue for credit companies. Contents o...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 王俊涛
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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