Risk control method and system for credit business risk control differential pricing of subdividing customer group

A differentiated and risk-controlled technology, which is applied in the fields of instruments, finance, and data processing applications, can solve the problems of unsustainable service to high-quality customers of the credit platform, and the inability to effectively prevent malicious fraud.

Inactive Publication Date: 2019-07-05
杭州绿度信息技术有限公司
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Problems solved by technology

In the past two years, the scale of Internet finance personal credit and consumer finance business has further expanded, but the risk control of most credit business platforms in the market is in a streaking or rough state, and most platforms cover the platform's operational risks with high interest rates. Due to the development needs of the society, this kind of rough risk control rules cannot meet the needs of platform operati...

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  • Risk control method and system for credit business risk control differential pricing of subdividing customer group
  • Risk control method and system for credit business risk control differential pricing of subdividing customer group
  • Risk control method and system for credit business risk control differential pricing of subdividing customer group

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Embodiment Construction

[0070] The present invention will be further described below with a collection of drawings and embodiments.

[0071] like figure 1 As shown, the system of the present invention includes: 1. data access module; 2. data storage module; 3. data processing module; 4. decision-making module; 5. decision-making result output module; 6. user risk management module.

[0072] (1) Data access module: the main function is to collect the required data. Including: identity authentication data, operator call data, long-term lending data, address book data, Taobao e-commerce data, blacklist data, device information, location information, emergency contact information, etc., and put these data into the data pending queue and stored in the distributed file system at the same time.

[0073] (2) Data storage module: The data storage module mainly stores original file data, risk control feature data, business rule data, user data, and risk management data.

[0074] (3) Data processing module: ...

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Abstract

The invention discloses a risk control method and system for credit business risk control differential pricing of subdividing customer groups. The system comprises a data access module, a data storagemodule, a data processing module, a decision module, a decision result output module and a user risk management module. The method comprises the following specific implementation steps: step 1, calculating a rule packet and a rule flow; step 2, according to the calculation result of the step 1, service credit granting decision logic; step 3, calculating a credit model score; and step 4, target user management and risk pricing. According to the method and the system, flexible risk level assessment can be carried out based on credit users, and differentiated pricing can be realized for users with different risk levels. Differential pricing of different risk levels is realized; and realizing default risk estimation of the credit service.

Description

technical field [0001] The invention relates to a risk control method and system for risk control and differentiated pricing of credit business of subdivided customer groups for Internet financial credit business. Background technique [0002] As the country attaches great importance to promoting consumption, it actively develops consumer finance, enhances the role of consumption in driving the economy, and adapts to diversified and multi-level consumer demand; supports the development of consumer credit to meet the growing needs of the people for a better life. In the past two years, the scale of Internet finance personal credit and consumer finance business has further expanded, but the risk control of most credit business platforms in the market is in a state of nakedness or roughness, and most platforms cover the operational risks of the platform through high interest. Due to the development needs of the society, this rough risk control rule cannot meet the needs of plat...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 苏宁军谢德福孔令钧
Owner 杭州绿度信息技术有限公司
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