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Guarantee circle recognition method and device, computer equipment and storage medium

An identification method and guarantee circle technology, applied in computing, instruments, finance, etc., can solve the problems of low efficiency and accuracy in manual identification of guarantee circles, and achieve the effect of improving risk control ability and identification efficiency

Active Publication Date: 2020-10-16
JIANGSU CHANGSHU RURAL COMMERICAL BANK CO LTD
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AI Technical Summary

Problems solved by technology

[0005] Based on this, it is necessary to provide a guarantee circle identification method, device, computer equipment and storage medium for the above-mentioned technical problems of low efficiency and accuracy of manual identification of guarantee circles

Method used

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  • Guarantee circle recognition method and device, computer equipment and storage medium
  • Guarantee circle recognition method and device, computer equipment and storage medium
  • Guarantee circle recognition method and device, computer equipment and storage medium

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Embodiment Construction

[0036] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0037] In one embodiment, such as figure 2 As shown, a method for identifying a guarantee circle is provided. In this embodiment, the method is applied to a terminal for illustration. It can be understood that the method can also be applied to a server, and can also be applied to a system including a terminal and a server, and Realized through the interaction between the terminal and the server. In this embodiment, the method includes the following steps:

[0038] Step 210, acquiring user relationship data.

[0039] Wherein, the user relationship data includes multiple...

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Abstract

The invention relates to a guarantee circle recognition method and device, computer equipment and a storage medium. The method comprises the steps of obtaining user relationship data; generating a user guarantee relationship graph according to the user relationship data; identifying the maximum group in the user guarantee relationship graph by adopting a grouping algorithm; and deleting the relationship connecting line of the guarantee relationship in the maximum group to obtain a target user guarantee relationship graph, further performing graph depth traversal on nodes in the target user guarantee relationship graph according to the pointing direction of the relationship connecting line of the guarantee relationship, identifying a closed loop formed by the nodes, and determining the closed loop as the guarantee loop. Compared with a manual auditing mode for identifying the guarantee circle, the method has the advantages that the recognition efficiency of the guarantee circle is greatly improved, risk points cannot be missed based on recognition of graph depth traversal, and then the risk control capability is improved.

Description

technical field [0001] The present application relates to the technical field of artificial intelligence, in particular to a guarantee circle identification method, device, computer equipment and storage medium. Background technique [0002] Guarantee circle refers to a special interest body with guarantee relationship as a chain formed by connecting multiple users (including individuals or enterprises) through mutual guarantees or chain guarantees, such as figure 1 As shown, A vouches for B, B vouches for C, and C vouches for A. When a user in the guarantee circle asks for compensation and the guarantor has no willingness to repay, it may lead to a joint risk of dishonesty in the entire circle. Therefore, when guaranteeing a loan, for the lender, it is necessary to avoid the formation of a guarantee circle. [0003] In traditional technology, the guarantee circle is generally identified through manual review. For example, through the application information filled in by t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/36
CPCG06F16/367G06Q40/03
Inventor 居胜峰付劲黄烨管震宇郁敏张丽雯张虓勇贺勇方扬
Owner JIANGSU CHANGSHU RURAL COMMERICAL BANK CO LTD
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