Animal husbandry credit risk assessment method and device

Abstract

The invention discloses an animal husbandry credit risk assessment method and device. The method comprises the steps of obtaining monitoring data of livestock and surrounding environment thereof basedon the Internet of Things; wherein the monitoring data comprises livestock position data, livestock heart rate data, electronic fence data, temperature and humidity data and air pressure data; inputting the monitoring data into a trained seasonal disease incidence rate and death rate prediction model to obtain a livestock state prediction result; wherein the seasonal disease incidence rate and mortality prediction model is a machine learning model trained by utilizing historical monitoring data; inputting the livestock state prediction result and the user credit information into a trained credit risk assessment model, and obtaining a user credit risk assessment level; wherein the credit risk assessment model is a neural network model trained by using historical livestock state results anduser credit information. According to the invention, accurate risk assessment can be carried out on the user in real time, and risk control of banks is facilitated.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method and device for assessing animal husbandry credit risk. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] As the market value-added of free-range organic animal husbandry products increases, vigorously supporting the animal husbandry industry has become an important way to help economically backward areas get rid of poverty and become rich. In recent years, in order to increase farmers' income, the banking industry has made every effort to promote inclusive financial services. The premise of realizing inclusive finance is to accurately evaluate the credit risk level of users, which is conducive to the realization of risk management and control. [0004] However, th...

AI Technical Summary

Problems solved by technology

[0005] An embodiment of the present invention provides a method for assessing animal husbandry credit risk to solve the technical problem in the prior art that banks cannot perform accurate credit risk assessment on animal husbandry users in real time. The method includes:

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