Enterprise loan dynamic risk control cost measurement and calculation and floating pricing method and system

Abstract

The invention provides an enterprise loan dynamic risk control cost measurement and calculation and floating pricing method and system, and the method comprises the steps: firstly, collecting the operation data of an enterprise and the behavior data of an enterprise downstream client, carrying out the risk dimension division of the operation data, carrying out the correlation, obtaining the risk correlation information, carrying out the user behavior analysis of the behavior data, and obtaining the user behavior information; based on the risk association information, the user behavior information and the industry data of the industry to which the enterprise belongs, a periodic floating price is obtained according to a set period, and when a loan settlement request is received, loan interest is obtained through operation according to the loan principal and the periodic floating price. Dynamic measurement and calculation of the risk control cost are realized. According to the technical scheme, the loan pricing and the risk are accurately corresponding in real time, so that the enterprise is promoted to improve the operation risk associated behavior, the behavior evaluation system ofthe downstream client of the enterprise is introduced, the risk of the loan business is reduced, meanwhile, the financial institution is assisted to manage and control the risk cost expenditure, and the profitability of the loan business of the small and micro-service enterprise is improved.

Description

technical field [0001] The present invention relates to the technical field of information processing, in particular, to a method and system for measuring and calculating dynamic risk control costs of enterprise loans and floating pricing, and in particular to a method and system for measuring and calculating dynamic risk control costs and floating pricing of enterprise loans for small and micro services. system. Background technique [0002] With the comprehensive deepening of the reform of the financial system and the enhancement of the ability of financial services to serve the real economy, my country has developed rapidly in the field of small and micro services. How to effectively control service costs and reduce the risk control costs of corporate loans on the basis of improving small and micro financial services is a key issue. It is worth studying. [0003] How to combine information processing with effective risk control methods, so as to meet the personalized cust...

AI Technical Summary

Problems solved by technology

The above patent documents only get a fixed price and cannot cope with risk changes

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