Data analysis method and device

Abstract

The invention discloses a data analysis method and device, and the method comprises the steps: screening a high-risk target object, and obtaining the consumption information of the high-risk target object in a first time period and the basic information of a customer to which the target object belongs; inputting the consumption information of the high-risk target object in the first time period and the basic information of the customer to which the high-risk target object belongs into a preset consumption prediction model to obtain the consumption information of the high-risk target object inthe second time period; and based on the real consumption information of the high-risk target object in the second time period, the predicted consumption information of the target object in the secondtime period and a preset scoring model, obtaining a scoring result of the high-risk target object, and determining whether the high-risk target object has an abnormal consumption condition based on arelationship between the score of the high-risk target object and a preset threshold. In this way, the risk that the credit card may be borrowed can be found in time, and therefore the risk borne bya bank is reduced as much as possible.

Description

technical field [0001] The present invention relates to the financial field, in particular to a data analysis method and device. Background technique [0002] With the improvement of living standards and the transformation of consumption concepts, credit cards have gradually become a way for people to consume. When issuing credit cards, in order to reduce risks, the bank will set the credit card limit based on the customer's repayment ability. [0003] However, in real life, there are often situations where credit cards are lent to others. This behavior is likely to increase the pressure on customers to repay the loan, resulting in the failure of the customer to repay the loan on time, which virtually increases the risk of the bank. Contents of the invention [0004] In view of this, the embodiment of the present invention discloses a data analysis method and device, which can predict whether there is a risk of abnormal consumption by analyzing the credit card consumption...

AI Technical Summary

Problems solved by technology

[0003] However, in real life, there are often situations where credit cards are lent to others. This behavior is likely to increase the repayment pressure of customers, causing customers to fail to repay on time, which virtually increases the risk of the bank.

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