Risk prediction method and device, computer equipment and storage medium

A risk prediction and risk curve technology, applied in the computer field, can solve problems such as low accuracy and unconfirmed reflection of historical data indicators, and achieve the effect of predicting accurate risk fluctuation data

Pending Publication Date: 2019-08-09
平安直通咨询有限公司
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

However, since historical data indicators cannot be confirmed to reflect changes in the future economic environment, the analysis of the borrowing risk of the user group may also be less accurate

Method used

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  • Risk prediction method and device, computer equipment and storage medium
  • Risk prediction method and device, computer equipment and storage medium
  • Risk prediction method and device, computer equipment and storage medium

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Embodiment Construction

[0049] 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.

[0050] The risk prediction method provided by this application can be applied to such as figure 1 shown in the application environment. Wherein, the terminal 102 communicates with the server 104 through the network. The server 104 can receive the historical transaction data sent by the terminal 102, and generate a historical risk curve according to the risk situation of the user group reflected in the historical transaction data. The risk curve is split to obtain the historical user quality change curve, historical maturity curve and historical external factor curve. Acc...

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Abstract

The invention relates to the field of big data analysis, in particular to a risk prediction method and device, computer equipment and a storage medium. The method comprises the steps of obtaining historical transaction data corresponding to a user group, and generating a historical risk curve according to the historical transaction data; splitting the historical risk curve to obtain a historical user quality change curve, a historical maturity curve and a historical exogenous curve; predicting according to the historical user quality curve to obtain a future user quality curve, predicting according to the historical maturity curve to obtain a future maturity curve, and predicting according to the historical external cause curve to obtain a future external cause curve; obtaining a future risk curve according to the future user quality curve, the future maturity curve and the future external cause curve combination; and performing risk prediction according to the future risk curve. By adopting the method, the obtained predicted risk fluctuation data of the user group can be more accurate.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a risk prediction method, device, computer equipment and storage medium. Background technique [0002] With the development of social economy, loan products are gradually popularized in all aspects of people's lives. For financial institutions such as banks that issue loan products, it is becoming more and more important to reasonably analyze users' loan risks. [0003] The traditional risk analysis method is to divide the customer accounts of the product to be analyzed into multiple small groups, calculate the average value of the historical data indicators corresponding to each group, and use the average value as a prediction of future performance. However, since historical data indicators cannot be confirmed to reflect changes in the future economic environment, the analysis of the borrowing risk of the user group may also be less accurate. Contents of the invent...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q40/02
CPCG06Q10/04G06Q10/0635G06Q40/03
Inventor 莫泽鸿范荣程晓瑜万雨竹
Owner 平安直通咨询有限公司
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