A risk conduction evaluation system and method for public credit customer risk early warning

An evaluation system and customer technology, applied in the field of risk transmission evaluation system, can solve the problems of poor interpretability of model results, few models for quantitative analysis, and adjustment, etc., to avoid subjectivity, good effect, and stable model.

Pending Publication Date: 2019-05-28
北京海致星图科技有限公司
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Problems solved by technology

[0002] At present, most of the modeling and analysis of enterprise risk transmission laws are still in the qualitative stage, and there are relatively few quantitative analysis

Method used

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  • A risk conduction evaluation system and method for public credit customer risk early warning

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Embodiment Construction

[0062] Such as figure 1 As shown, the risk conduction assessment system and method for risk early warning of public credit customers of the present invention include the following systems and steps:

[0063] (1) Risk transmission unit

[0064] 1. The composition of the risk transmission unit

[0065] Assuming that companies (or "customers", the same below) have various related relationships, including guarantee relationships, investment relationships, actual control relationships and group affiliation relationships, etc. constitute a graph, and the present invention constructs a risk transmission process between customers The model is a supervised machine learning problem, and the modeling unit is a pair of customers. The risk of each risk transmission customer pair's starting point customer and end point customer's risk occurs successively as the label for the training and prediction of the supervised machine learning model , the characteristics of the starting point custom...

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Abstract

The invention provides a risk conduction evaluation system and method for public credit customer risk early warning. The risk conduction assessment system comprises the following system and steps of (1) risk conduction unit establishment, (2) label establishment, (3) feature establishment, (4) model training and application, (5) model training, (6) model application and risk conduction range estimation and (7) overall modeling process. The risk evaluation system and method has the advantages that the influence range of risk enterprises can be quantitatively assessed, and due to the fact that the risk assessment method is essentially a supervised machine learning process, compared with an existing risk conduction assessment scheme, the risk conduction assessment system and method has the characteristics that self-learning and adjustment can be conducted on historical data, and subjectivity of expert experience is avoided; B, the conduction probability of risk conduction can be evaluatedquantitatively based on the historical data; and c, the model is objective and has certain interpretability.

Description

technical field [0001] The present invention relates to a risk conduction evaluation system and method, especially one that can self-learn and adjust historical data, avoid the subjectivity of expert experience, and quantitatively evaluate the conduction probability of risk conduction based on historical data, which can be objective , and has a certain degree of explainability, a risk transmission assessment system and method for early warning of risks for public credit customers. Background technique [0002] At present, most of the modeling and analysis of enterprise risk transmission laws are still in the qualitative stage, and there are relatively few models for quantitative analysis, and the determination of key parameters generally depends on subjective experience, the model results are poorly interpretable and cannot be adjusted for historical data. . Contents of the invention [0003] In order to solve the above problems, the present invention provides a method th...

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/00
Inventor 黄泓
Owner 北京海致星图科技有限公司
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