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Prediction method, device, equipment and storage medium of risk event occurrence probability

A technology of event occurrence and prediction methods, applied in the field of financial technology, can solve problems such as inability to reflect long-term risk conditions and inaccurate analysis, and achieve the effect of improving the accuracy of analysis and a wide range of analysis

Active Publication Date: 2022-07-26
WEBANK (CHINA)
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Problems solved by technology

[0004] The main purpose of the present invention is to provide a method, device, equipment and storage medium for predicting the probability of occurrence of risk events, aiming to solve the problem of analyzing the possibility of risk events occurring in a company based on the scoring method of the company's current data in the prior art, There are technical issues where the analysis is inaccurate and does not reflect the long-term risk profile

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  • Prediction method, device, equipment and storage medium of risk event occurrence probability
  • Prediction method, device, equipment and storage medium of risk event occurrence probability
  • Prediction method, device, equipment and storage medium of risk event occurrence probability

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Embodiment Construction

[0039] It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

[0040] The present invention provides a device for predicting the occurrence probability of risk events. figure 1 , figure 1 It is a schematic structural diagram of the device hardware operating environment involved in the embodiment scheme of the device for predicting the occurrence probability of a risk event according to the present invention.

[0041] like figure 1 As shown, the device for predicting the occurrence probability of a risk event may include: a processor 1001 , such as a CPU, a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Among them, the communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard)...

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Abstract

The invention discloses a method, device, equipment and storage medium for predicting the occurrence probability of risk events. The method includes the following steps: acquiring risk events and description index values ​​of multiple companies in continuous time periods; The risk events and description index values ​​of each said company are transmitted to the preset model for training, and a target model with model parameters corresponding to each preset time period is generated; the current description index value of each said company at the current time is screened out , and transmit the current description index values ​​of each company to the target model, and predict the probability of risk events occurring in different time periods for each company. The present invention uses the target models trained by the risk events and description index values ​​of different companies in a continuous period to predict and analyze the probability of risk events occurring in each company in different periods, which improves the analysis accuracy and is beneficial to reflect different periods. The scope of the analysis is broader.

Description

technical field [0001] The present invention relates to the technical field of financial technology (Fintech), and in particular, to a method, device, device and storage medium for predicting the occurrence probability of a risk event. Background technique [0002] With the continuous development of financial technology (Fintech), especially Internet technology finance, more and more technologies (such as artificial intelligence, big data analysis, cloud storage, etc.) have been applied to the financial field, but the financial industry has also proposed various technologies. Higher requirements, such as the requirement to accurately distinguish and analyze the possibility of risk events occurring in different companies in different periods based on the data of each company. [0003] At present, the analysis of the possibility of risk events is implemented using the index system scoring method to give a risk event rating. However, the scoring only relies on the company's cu...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q10/04
CPCG06Q10/0635G06Q10/04G06Q10/067
Inventor 程善钿李超伍德意邵大千殷磊吴海山
Owner WEBANK (CHINA)
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