Enterprise credit auditing method and device, equipment and computer readable storage medium
An enterprise and credit technology, applied in the field of data analysis, which can solve problems such as the inability to extract implicit information and the inability to guarantee the accuracy of the audit results of enterprise credit loans.
Pending Publication Date: 2019-11-12
PING AN TECH (SHENZHEN) CO LTD
View PDF4 Cites 5 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
[0003] At present, it is possible to extract features from enterprise-related data and review loan applications based on features. However, the existing feature extraction algorithms only involve simple linear calculations, and cannot extract hidden information after spatial distortion. Only by extracting The linear characteristics of the loans are reviewed, and the accuracy of the review results of corporate credit loans cannot be guaranteed
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0029] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.
[0030] The flow charts shown in the drawings are just illustrations, and do not necessarily include all contents and operations / steps, nor must they be performed in the order described. For example, some operations / steps can be decomposed, combined or partly combined, so the actual order of execution may be changed according to the actual situation.
[0031] Embodiments of the present application provide an enterprise credit review method, device, computer equipmen...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The invention provides an enterprise credit auditing method and device and equipment and a computer readable storage medium, and the method comprises the steps: obtaining a credit auditing video and enterprise multi-dimensional portrait data of a target enterprise according to an enterprise credit auditing request when the enterprise credit auditing request is monitored; performing micro-expression recognition and voice emotion recognition on the credit audit video to obtain a micro-expression type set and a voice emotion type; verifying the enterprise multi-dimensional portrait data accordingto the micro-expression type set and the voice emotion type; when the enterprise multi-dimensional portrait data passes the verification, analyzing the enterprise multi-dimensional portrait data through a plurality of random forests of each layer in a preset random forest model to obtain a multi-dimensional risk prediction result; and judging whether the target enterprise passes loan auditing ornot according to the multi-dimensional risk prediction result. The invention relates to data analysis and micro-expression recognition, and can improve the accuracy of loan auditing.
Description
technical field [0001] The present application relates to the technical field of data analysis, and in particular to an enterprise credit review method, device, equipment and computer-readable storage medium. Background technique [0002] Enterprise credit loans refer to unsecured and unsecured loans issued by banks to the legal representatives or controlling shareholders of small enterprises for legally designated purposes such as supplementing enterprise liquidity and capital turnover. When an enterprise applies for a credit loan from a bank, it needs to provide relevant information about the enterprise, such as enterprise marketing license, tax registration certificate, organization code certificate, and value-added tax for the past six months, etc., and then the bank will review it to determine the loan of the enterprise applying for the loan. amount. [0003] At present, it is possible to extract features from enterprise-related information and review loan applications...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More IPC IPC(8): G06Q40/02G06K9/00G10L25/63G06N3/00
CPCG10L25/63G06N3/006G06V40/174G06Q40/03
Inventor 陈娴娴阮晓雯徐亮
Owner PING AN TECH (SHENZHEN) CO LTD