Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

User post-loan risk assessment method and device and electronic equipment

A risk assessment and user technology, applied in data processing applications, instruments, finance, etc., can solve problems such as overdue arrears, and achieve the effect of reducing the waste of human resources

Pending Publication Date: 2020-05-12
北京淇瑀信息科技有限公司
View PDF4 Cites 6 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

And some users will overdue their arrears to a higher age regardless of whether they carry out post-loan management

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 more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • User post-loan risk assessment method and device and electronic equipment
  • User post-loan risk assessment method and device and electronic equipment
  • User post-loan risk assessment method and device and electronic equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0042] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0043] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or mo...

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

No PUM Login to View More

Abstract

The invention relates to a user post-loan risk assessment method and device, electronic equipment and a computer readable medium. The method comprises the following steps: inputting financial data ofa user in a predetermined state into a post-loan risk model of the user; enabling the user post-loan risk model to calculate financial data of the plurality of users in a predetermined state to generate a user repayment willingness value and a user repayment capability value; and generating a user post-loan risk assessment value according to the user repayment willingness value and the user repayment capability value. The invention relates to a user post-loan risk assessment method and device, electronic equipment and a computer readable medium. The post-loan risk of the user can be evaluatedbased on the current financial data of the user, so that the risk level of the post-loan performance of the user is determined more accurately, a finer and more accurate post-loan management and control strategy is allocated to the user, and the waste of human resources of financial service enterprises is reduced.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, in particular, to a user post-loan risk assessment method, device, electronic equipment, and computer-readable medium. Background technique [0002] For companies that provide financial services, the biggest risk they face is that users fail to repay debts or bank loans in a timely and full amount due to various reasons. At present, after a user borrows money from a financial service company, the financial company will track the user's repayment status. When the user repays overdue, the post-loan management will be activated immediately to urge the user to repay. [0003] Since the user's debts mainly need to be managed manually after the loan. Reduced communication and coordination will affect the collection of arrears. For users, some users may be in arrears due to negligence, such as some overdue customers just forget to pay the money on the same day, and other reasons...

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
no application Login to View More
IPC IPC(8): G06Q40/02G06N20/00
CPCG06N20/00G06Q40/03
Inventor 郑彦石婷唐小云莫晓文叶婷
Owner 北京淇瑀信息科技有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com