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User financial risk assessment method, device, electronic device and readable medium

A risk assessment and financial technology, applied in finance, data processing applications, character and pattern recognition, etc., to achieve fast and accurate financial risks and reduce the effect of corporate financial risks

Active Publication Date: 2021-07-30
BEIJING QIYU INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this big data processing method cannot provide accurate financial risk assessment of users when users conceal or tamper with personal information.

Method used

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  • User financial risk assessment method, device, electronic device and readable medium
  • User financial risk assessment method, device, electronic device and readable medium
  • User financial risk assessment method, device, electronic device and readable medium

Examples

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Embodiment Construction

[0040]Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0041] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or mor...

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Abstract

The present disclosure relates to a user financial risk assessment method, device, electronic equipment and computer readable medium. The method includes: acquiring the basic information of the current user; comparing the current user with at least one registered user in at least one relationship network based on the basic information; determining a target from the at least one relationship network according to the comparison result a relationship network; and evaluating the financial risk of the current user according to the characteristic attributes of the target relationship network. The user financial risk assessment method, device, electronic device and computer-readable medium involved in the present disclosure can quickly and accurately estimate the financial risk of the user comprehensively.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, in particular, to a user financial risk assessment method, device, electronic equipment and computer readable medium. Background technique [0002] Credit refers to the form of value movement conditioned on repayment and interest payment, usually including credit activities such as bank deposits and loans. The generation of loans is bound to be accompanied by risks. In order to avoid risks such as bad debts and bad debts, it is necessary to evaluate the financial risk of the user when crediting to determine whether to provide credit services for the user. [0003] The assessment of financial risks by traditional financial institutions can rely on the basic information provided by users and the experience settings of managers. For example, based on the basic salary, fixed assets, and work filled in by the user, the manager determines the financial risk of the user based on ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/22
Inventor 丁楠苏绥绥常富洋
Owner BEIJING QIYU INFORMATION TECH CO LTD
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