Financial credit risk identification method, model construction method and device

Abstract

The invention discloses a financial credit risk identification model construction method and device, a financial credit risk identification method and device, and a computer readable storage medium, and the method comprises the steps: generating a financial credit knowledge graph according to the information of a loan subject; generating a financial cause map according to the financial event dataand the financial domain ontology; based on the information of the loan subject, the financial credit knowledge graph and the financial affair graph, generating a financial credit risk identificationmodel through machine learning; and updating the financial affair map according to a real-time financial event, and outputting financial credit risk information of the real-time financial event for the to-be-predicted loan subject through the financial credit risk identification model according to the updated financial affair map and the information of the to-be-predicted loan subject. According to the method of the invention, the financial credit risk can be predicted according to the real-time financial event, the dimensionality of risk identification is enriched, and the anticipation of thecredit risk of the credit subject is improved.

Description

technical field [0001] This article relates to the field of risk identification, in particular to a financial credit risk identification model construction method, device, financial credit risk identification method, device and computer-readable storage medium. Background technique [0002] There are two main types of risks in financial credit business scenarios: fraud risk and credit risk. In the business application stage, fraud risk can be effectively identified through risk identification methods. In terms of credit risk identification, it can only be studied and judged based on the past historical data of the applicant. However, In the credit business environment, especially in the credit environment of small and micro business owners, their business conditions are affected by the market environment, policies and regulations, the surrounding environment, the development of upstream and downstream industries, etc. The traditional identification method is mainly concentrat...

AI Technical Summary

Problems solved by technology

However, when a lending entity conducts business operations with loans, its operating results determine the later repayment ability of the credit, which is the main factor affecting credit risk, while the operating conditions of the operating entity are often affected by other objective conditions, such as industry environment, policies, etc. environment, upstream and downstream environment and other factors, and the current financial risk identification uses the historical repayment status of the credit subject, which has a lag

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