Financial risk analysis method and device based on multiple time verification and electronic equipment

Abstract

The invention relates to a financial risk analysis method and device based on multiple time verification, electronic equipment and a computer readable medium. The method comprises the following steps:inputting user data in a first time range into a plurality of initial machine learning models to obtain a plurality of first analysis values; inputting user data in a second time range into the plurality of initial machine learning models to obtain a plurality of second analysis values; inputting the first analysis value and the second analysis value into the risk analysis model to generate a risk analysis value; and performing financial risk analysis on the user through the risk analysis value. The invention relates to a financial risk analysis method and device based on multiple time verification, electronic equipment and a computer readable medium. According to the invention, the financial risk situation of a user passing financial risk verification can be automatically tracked and predicted from multiple perspectives, transaction risks are prevented in advance, and the financial risk level of the whole user group is optimized.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, in particular, to a financial risk analysis method, device, electronic equipment and computer-readable medium based on multiple time verification. Background technique [0002] Financial risk prevention refers to the behavior of financial market entities to use certain methods to prevent or avoid risks in compliance with regulations on the basis of relevant analysis to achieve expected goals. In the current environment, with the increase of personal credit demand, more and more companies that provide financial services to individual users have emerged. For these financial service companies, they can prevent users' personal financial risks in advance, thereby Before the user's financial risk occurs, it is a hot technical field to formulate reasonable strategies to prevent the financial risk brought by the user. [0003] The financial risks of users are divided into multiple...

AI Technical Summary

Problems solved by technology

This approach can protect against financial risks at the initial stage of the user's application for financial services. However, as the user's personal situation changes, especially in revolving credit products, after the user uses financial services for a period of time, the user's repayment enthusiasm will be affected. lower, or the user becomes a long-term user, or the user's situation changes, adding other factors. In this case, the existing technology cannot continue to follow up the financial risk of these users, which will bring financial service institutions great risk

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