Multi-stage series-parallel risk management method and device and electronic equipment

Abstract

The invention discloses a multi-stage series-parallel risk management method, which comprises the steps of constructing a first-stage risk assessment model, the first-stage risk assessment model beingcomposed of a first risk assessment layer and a second risk assessment layer, and the first risk assessment layer comprising two first-stage risk assessment links; obtaining initial user information,and substituting the initial user information into the first-level risk assessment model to obtain a first-level risk estimated value of the initial user; screening the initial users for the first time according to the first-stage risk estimation value to form medium-stage users; creating a second-level risk assessment model conducting second-level risk assessment on the medium-term users meetingthe second-level risk assessment conditions to obtain a second-level risk estimation value, wherein the second-level risk assessment model comprises three second-level risk assessment links divided according to user types; and carrying out risk processing on the user according to the secondary risk estimation value. Different processing measures are adopted in different stages of pre-loan loan, so that accurate and soft post-loan management early warning is realized, the overall risk level is finally optimized, and the business income of post-loan conversion is increased.

Description

technical field [0001] The present invention relates to the field of computer information processing, in particular, to a multi-level hybrid risk management method, device, electronic equipment and computer-readable medium. Background technique [0002] As an emerging industry, Internet finance has attracted the attention of investors with its huge profits and huge potential. In recent years, with the entry of capital from all walks of life, the entire Internet financial industry is full of vitality, and new Internet financial platforms and organizations continue to emerge. However, the rapid "growth" of the industry has also brought about problems such as "P2P platform 'explosive'"" Malicious defrauding of loans”, “violent collection” and other issues. How to protect the legitimate rights and interests of lenders within the scope of the law and prevent the phenomenon of "malicious fraudulent loans" has become one of the hot topics of public opinion. [0003] How to avoid ...

AI Technical Summary

Problems solved by technology

In the existing technology, the A-card scoring model is usually used to evaluate the risk of the applicant user, but the A-card scoring model is limited to the evaluation of the user's financial performance, such as fraud, etc., and often does not consider the user's performance in post-loan management.

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