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Data processing method and device

A data processing and business data technology, applied in the computer field, can solve problems such as inaccuracy and untimely risk warning, and achieve the effect of ensuring accuracy, improving accuracy, and improving the timeliness of financial warning

Inactive Publication Date: 2019-10-15
MINSHENG BANKING CORP
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Problems solved by technology

[0004] The present invention provides a data processing method and device to solve the problem of untimely and inaccurate risk early warning in the post-loan monitoring scheme in the related art

Method used

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Embodiment Construction

[0020] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0021] refer to figure 1 , shows a structural block diagram of an embodiment of a data processing system of the present invention.

[0022] The data processing system may specifically include: a data collection server, a database server, an application server, and a web (network) application server.

[0023] Among them, the data collection server is used to collect data from data sources of various dimensions through a dedicated line (ie intranet) or the Internet, and store the collected data in a structured manner in the database server;

[0024] The application server is used to obtain the data collected by the data acquisition server from the database server, analyze and process the data, generate early warning data, and send ...

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Abstract

The invention provides a data processing method and device. The data processing method comprises the steps: collecting the business data between a monitoring object and an associated enterprise, wherein the associated enterprise is at least one enterprise which can affect the debt ability of the monitoring object; processing the business data according to a self-defined early warning expression corresponding to the enterprise type of the associated enterprise, and generating a plurality of groups of early warning results matched with different monitoring objects; judging whether any group of early warning results meet an early warning condition corresponding to the self-defined early warning expression or not; for the target early warning result meeting the early warning condition, generating early warning information of a target monitoring object, and outputting the early warning information, wherein the target monitoring object is matched with the target early warning result. According to the invention, the business data reflecting the real operation condition of the financing enterprise can be collected, and the early warning expression corresponding to the enterprise type of the associated enterprise is adopted to process the business data from the associated enterprise, so that the accuracy of the early warning result is improved, and the financial early warning timelinessof the monitored object is improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a data processing method and device. Background technique [0002] At present, after issuing loans to the accounts of borrowers (including natural persons and legal persons), banks mainly collect static data reports of borrowers offline (such as the financial status and income status of natural persons; the balance sheet, cash flow statement, profit and loss statement, etc.) to grasp the financial status of the loan object, so as to determine whether there is a repayment risk in the loan item, to achieve the prevention and monitoring of post-loan risks, and to assist the purpose of pre-loan review. [0003] However, the data collected by the current post-loan monitoring program basically comes from the data provided by the borrower itself. The data is not objective enough, which leads to the insensitivity, timeliness and accuracy of post-loan risk control. Contents of...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张卫清何小坚熊敏杰
Owner MINSHENG BANKING CORP
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