Data analysis method and device
A data analysis and first-time technology, applied in the financial field, can solve problems such as increasing bank risks, increasing customer repayment pressure, and customers failing to repay on time
Active Publication Date: 2020-07-28
BANK OF CHINA
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[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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[0051] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0052] refer to figure 1 , which shows a schematic flowchart of a data analysis method provided by an embodiment of the present invention. In this embodiment, the method includes:
[0053] S101: Obtain the consumption information of the target object in the first time period and the basic information of the user to whom the target object belongs; the target object is a loan product;
[0054] In this embodiment, the loan products include credit cards, or other...
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The invention discloses a data analysis method. The method comprises the steps of training a consumption prediction model in advance through consumption information of a target object in a third timeperiod and basic information of a user to which the target object belongs, predicting the consumption information of the target object in the second time period based on the consumption prediction model, the consumption information of the target object in the first time period and the basic information of the user to which the target object belongs; and calculating the similarity between the realconsumption information of the target object in the second time period and the predicted consumption information, and determining whether the target object has an abnormal consumption situation basedon the similarity. Therefore, whether the consumption behavior of the target object is abnormal or not is predicted through the method, so that the risk that the credit card may be borrowed can be found in time, and the risk undertaken by a 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...
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IPC IPC(8): G06Q40/02G06N20/10G06N3/04
CPCG06N20/10G06N3/045G06Q40/03
Inventor 黄文强季蕴青胡路苹胡玮黄雅楠胡传杰浮晨琪李蚌蚌申亚坤王畅畅徐晨敏
Owner BANK OF CHINA