Guarantee circle identification method and device

An identification method and identification device technology, applied in data processing applications, finance, instruments, etc., to achieve the effect of improving risk management and control capabilities and good risk management and control

Pending Publication Date: 2020-04-24
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

The formation of a guarantee circle makes companies that are not connected to each other closely related. The risk of an enterprise in the circle will spread along the guarantee chain, causing loan risks of other enterprises in the circle.

Method used

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  • Guarantee circle identification method and device
  • Guarantee circle identification method and device
  • Guarantee circle identification method and device

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Embodiment Construction

[0076] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0077] Based on the shortcomings of the prior art, the embodiment of the present invention provides a specific implementation of a guarantee circle identification method, see figure 1 , the method specifically includes the following content:

[0078] Step 100: Group the directed graphs that can represent the guarantee relationship between custome...

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Abstract

The invention provides a guarantee circle identification method and device, and the method comprises the following steps: carrying out the grouping of directed graphs which can represent the guaranteerelation between customers, and enabling each directed graph to have no connection relation with other directed graphs in a grouping result; and searching all closed circles in the grouping result soas to identify the guarantee circle. According to the method, the guarantee circle formed by customer identification of the commercial bank credit business can be quickly and completely formed, so that the risk management and control capability of the bank is improved.

Description

technical field [0001] The invention relates to risk management and control technology of financial institutions, in particular to a guarantee circle identification method and device. Background technique [0002] Guarantee circle refers to a special interest body formed by the connection of multiple enterprises through mutual guarantees or chain guarantees, with the guarantee relationship as the chain. As the asset scale of commercial banks continues to grow, guarantee loans also increase, and mutual guarantees or serial guarantees between customers form guarantee circle loans. The formation of a guarantee circle makes companies that are not connected to each other closely related. The risk of an enterprise in the circle will spread along the guarantee chain, triggering loan risks of other enterprises in the circle. In the concept of guarantee circle, there are two keywords, one is "mutual guarantee" and the other is "serial guarantee". The so-called mutual guarantee refe...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 袁进威邱诚伊国安宋崇兰陈裕平
Owner CHINA CONSTRUCTION BANK
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