Product risk prediction method and device, computer equipment and storage medium

Abstract

The invention relates to risk assessment, in particular to a risk prediction method and device, computer equipment and a storage medium. The method comprises the steps of obtaining a state corresponding to a preset macroscopic scene; when determining that the state of the preset macroscopic scene is early warning, acquiring the severity of the preset macroscopic scene in the early warning state; counting the number of preset macroscopic scenes of which the severity meets a preset condition; when the number of the preset macroscopic scenes is more than one, selecting the preset macroscopic scene with the maximum influence degree on the default rate from the preset macroscopic scenes with the severity meeting a preset condition; calculating a predicted default rate of a product to be subjected to risk calculation through the selected preset macroscopic scene; and performing risk prediction according to calculated predicted default rate. By adopting the method, risk prediction accuracy can be improved.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a product risk prediction method, device, computer equipment and storage medium. Background technique [0002] With the development of computer technology, various online financial products have emerged, which greatly facilitate people's lives. However, online financial products are easily affected by policies and the economy, which leads to online financial products. There are certain risks. [0003] However, the current risk prediction for online financial products is only through manual observation. When there are repayment problems in a large number of online financial products, it will be considered that there is a problem with the online financial product, so that the risk prediction is accurate Sex is lower. Contents of the invention [0004] Based on this, it is necessary to provide a product risk prediction method, device, computer equipment and storage m...

AI Technical Summary

Problems solved by technology

[0002] With the development of computer technology, various online financial products have emerged, which greatly facilitate people's lives. However, online financial products are easily affected by policies and the economy, which leads to online financial products. there is a certain risk

[0003] However, the current risk prediction for online financial products is only through manual observation. When there are repayment problems in a large number of online financial products, it will be considered that there is a problem with the online financial product, so that the risk prediction is accurate lower sex

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