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Method and device for adjusting bad probability of public assets and storage medium

A probabilistic and non-performing technology, which is applied to the adjustment of non-performing probability of public assets and the field of computer-readable storage media, and can solve problems such as calculating the non-performing probability of assets

Inactive Publication Date: 2019-07-09
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a method, device and storage medium for adjusting the non-performing probability of public assets, aiming to solve the problem of how to calculate the non-performing probability of assets based on the changing trend of the macro economy

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  • Method and device for adjusting bad probability of public assets and storage medium
  • Method and device for adjusting bad probability of public assets and storage medium
  • Method and device for adjusting bad probability of public assets and storage medium

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Embodiment Construction

[0053] The principles and features of the present invention are described below in conjunction with the accompanying drawings, and the examples given are only used to explain the present invention, and are not intended to limit the scope of the present invention.

[0054] The invention proposes a non-performing probability adjustment program for public assets.

[0055] see figure 1 , is a schematic diagram of the operating environment of an embodiment of the non-performing probability adjustment program 10 for public assets in the present invention.

[0056] In this embodiment, the non-performing probability adjustment program 10 for public assets is installed and runs in the electronic device 1 . The electronic device 1 may be a computing device such as a desktop computer, a notebook, a palmtop computer, or a server. The electronic device 1 may include, but not limited to, a memory 11 , a processor 12 and a display 13 . figure 1 Only the electronic device 1 is shown with c...

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Abstract

The invention relates to data analysis technology, and discloses a method and device for adjusting bad probability of public assets and a storage medium. According to the invention, a preset risk factor is predicted according to the plurality of macroeconomic indexes. Then, according to the adjustment value of the preset risk factor corresponding to each prediction period and a predetermined adjustment rule, the bad defect probability of the asset to be processed in each prediction period is adjusted to obtain the adjustment value of the marginal defect probability corresponding to each prediction period, so that the adjustment value of the marginal defect probability reflects the influence of the change trend of macroeconomy on the defect probability of the asset.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a method, device and computer-readable storage medium for adjusting the bad probability of public assets. Background technique [0002] With the continuous development of the market economy, the competition of enterprises is becoming more and more fierce, and the market risk is becoming more and more difficult to control. In the process of capital operation of financial institutions, capital risk includes credit risk, operational risk and market risk. Credit risk refers to the possibility and severity of the counterparty's inability to repay its debts on time in accordance with the contract. It is the most serious capital risk. It can be seen that the existence of credit risk will cause certain credit losses to financial institutions. For financial institutions, the expected credit loss of assets should be predicted to provide financial preparations for the occurrence of credi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q40/08
CPCG06Q10/04G06Q10/06312G06Q10/0635G06Q40/08
Inventor 叶素兰李国才刘卉张丽莎罗宇婷
Owner PING AN TECH (SHENZHEN) CO LTD