Financial risk assessment method and system based on big data technology

Abstract

The invention discloses a financial risk assessment method and system based on a big data technology, and the method comprises the following steps: S1, the personal information of an assessment objectare collected and input, wherein the personal information comprises financial information and behavior information; s2, the system audits and authenticates the personal information; s3, the system accesses a big data channel, big data collection is carried out according to the personal information of the assessment object, and the collected big data comprises structured data and unstructured data; s4, the system exchanges, cleans, compares, analyzes, calculates and processes the collected data, and outputs a multi-dimensional evaluation result according to the judgment of the system model; s5, each risk evaluation specialist at different levels sequentially checkes each risk control rating and capability of the evaluation object according to the multi-dimensional evaluation result; and S6, a risk assessment report is issued. The method has the advantages of high efficiency, high speed and capability of greatly improving the accuracy of the financial risk assessment structure.

Description

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AI Technical Summary

Benefits of technology

This patented method uses Big Data Technology (BigData) techniques to improve the accuracy and efficiency of predictive models used by banks or lending institutions during credit evaluation processes. By breaking up industrial barrier connections between different sources of fundamentals such as money supply networks, databases, etc., this approach allows more comprehensive access into valuable assets like stock market indices over time. Additionally, it improves upon traditional methods where analyzers manually inspect each asset's properties before making any decisions based on their values. Overall, these technical improvements help companies make better strategies towards acquiring high quality investments while minimizing costs associated therewith.

Problems solved by technology

In this patented technical problem addressed by the present patents relates to improving security measures for users' credit rating during loan transactions while also addressing issues like poor customer service caused by lack of effective access to detailed behavioral/financial data from borrowed funds.

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