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Risk assessment system construction method and device, computer equipment and storage medium

A risk assessment system and risk assessment technology, applied in computing, instruments, data processing applications, etc., can solve the problems of poor versatility of the risk assessment system and achieve the effect of improving the efficiency of risk assessment

Pending Publication Date: 2019-07-12
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, for different application scenarios, the indicators of the scoring model are different, and the traditional risk assessment system has the problem of poor versatility

Method used

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

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Embodiment Construction

[0065] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0066] In one embodiment, such as figure 1 As shown, a risk assessment system construction method is provided, including the following steps:

[0067] S102: Obtain a collection of application scenarios and a collection of historical risk assessment data.

[0068] The collection of application scenarios includes various business scenarios for risk assessment, including purchasing insurance, purchasing financial products, and loans. The historical risk assessment data set includes user data sets that have completed risk assessment.

[0069] S104: Determine the historical ...

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Abstract

The invention relates to the technical field of data analysis, and provides a risk assessment system construction method and device, computer equipment and a storage medium. The method comprises the following steps of: obtaining an application scene set and a historical risk assessment data set; according to a risk assessment identifier carried by each piece of historical risk assessment data in the historical risk assessment data set and the application scene set, determining historical risk assessment data corresponding to each application scene, and performing index feature screening on thehistorical risk assessment data corresponding to each application scene; determining an index feature set of each application scene, constructing a scoring card model of each application scene according to the index feature set of each application scene and a preset scoring card model, and generating a risk assessment system according to the scoring card model of each application scene. By adopting the method, a risk assessment system which can be compatible with different application scenes to perform risk assessment on the user account can be constructed, and the risk assessment efficiencyis improved.

Description

technical field [0001] The present application relates to the technical field of data analysis, in particular to a risk assessment system construction method, device, computer equipment and storage medium. Background technique [0002] With the development of Internet financial technology, the risk assessment based on the Internet platform has also been further developed. The risk assessment based on the Internet platform includes the risk assessment of user accounts. The traditional method of risk assessment for user accounts is: obtain user account information, determine the corresponding application scenario according to the risk assessment request, connect to the assessment system according to the corresponding application scenario, find the scoring model of the application scenario corresponding to the risk assessment request, and The scoring model of the corresponding application scenario screens the user account information, screens out the required scoring index info...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06
CPCG06Q10/0635G06Q10/0639
Inventor 张杰
Owner PING AN TECH (SHENZHEN) CO LTD
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