Post-loan risk monitoring method and device and computer readable storage medium

A risk monitoring and risk technology, applied in the field of computer-readable storage media and post-loan risk monitoring, can solve the problems of low efficiency, inability to comprehensively and accurately identify risks, and high cost of post-loan manual investigation and identification of risks, so as to improve efficiency and shorten the The effect of approval identification time and risk identification cost reduction

Pending Publication Date: 2019-09-17
WEBANK (CHINA)
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a post-loan risk monitoring method, device, and computer-readable storage medium, aiming to solve the problems of high cost, low efficiency, and inability to fully and accurately identify risks through manual investigation and identification of post-loan risks

Method used

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  • Post-loan risk monitoring method and device and computer readable storage medium
  • Post-loan risk monitoring method and device and computer readable storage medium
  • Post-loan risk monitoring method and device and computer readable storage medium

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no. 1 example

[0103] Further, refer to Figure 4 , Figure 4 It is a schematic flowchart of the third embodiment of the post-loan risk monitoring method of the present invention. Based on the foregoing first embodiment, step S10 may include:

[0104] Step S13, obtaining the first risk level corresponding to each first monitoring category data of the enterprise to be assessed;

[0105] Step S14, the first risk level is counted, the risk level statistical result is obtained, and the first risk profile level corresponding to the enterprise to be assessed is confirmed according to the risk level statistical result and the preset profile level index.

[0106] Obtain the first risk level corresponding to each first monitoring category data of the enterprise to be assessed, calculate the first risk level, and obtain the statistical results of the risk level and the preset portrait level indicators. The preset portrait level indicators are shown in Table 2. This will not be repeated here. For example: ...

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Abstract

The invention discloses a post-loan risk monitoring method. The post-loan risk monitoring method comprises the steps: obtaining a first risk level corresponding to each piece of first monitoring category data of a to-be-evaluated enterprise, and obtaining a first risk portrait level corresponding to the to-be-evaluated enterprise according to the first risk level; based on the legal person information of the to-be-evaluated enterprise, obtaining a second risk level corresponding to each piece of second monitoring category data, and obtaining a second risk portrait level corresponding to a legal person of the to-be-evaluated enterprise according to the second risk level; and according to the first risk portrait level and the second risk portrait level, determining a risk monitoring disposal corresponding to the to-be-evaluated enterprise. The invention also discloses a post-loan risk monitoring device and a computer readable storage medium. According to the invention, the problems of high risk identification cost, low efficiency and incapability of comprehensively and accurately identifying risks in post-loan manual investigation can be solved.

Description

Technical field [0001] The present invention relates to the technical field of financial monitoring, in particular to a method, device and computer-readable storage medium for post-loan risk monitoring. Background technique [0002] To carry out post-loan risk management for enterprises, banks and other financial institutions often rely too much on collateral as the second line of defense, ignoring the source of repayment, the first line of risk mitigation defense for post-loan monitoring, even if post-loan risk monitoring is adopted The measure is also to identify risks through traditional manual investigations. The manual investigation mode has certain requirements on the number and professional capabilities of investigators, leading to higher labor costs, and manual investigations are slow and inefficient, which indirectly leads to The frequency of investigation is low, mostly once every six months or once a year; [0003] On the other hand, manual survey risk monitoring source...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 谢素霞何颖
Owner WEBANK (CHINA)
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