Risk enterprise determination method and device based on knowledge graph
A technology of knowledge graph and venture enterprise, applied in the field of determination method and device of venture enterprise based on knowledge graph, which can solve problems such as inaccurate judgment of venture enterprise, lack of venture enterprise, and stuck loan review method
Pending Publication Date: 2020-11-20
BANK OF CHINA
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Problems solved by technology
[0002] At present, it is more and more common for enterprises to obtain bank loans. Banks need to review the enterprises applying for loans to determine whether the enterprise has loan risks, so as to avoid causing the enterprise's credit expansion, exceeding its own repayment ability, and causing huge loans to the bank. risk
At present, the bank loan review method for loans mostly stays on the basic information of the enterprise, and the incomplete review leads to inaccurate judgment of risky enterprises, and there is currently a lack of accurate methods for judging risky enterprises
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[0026] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.
[0027] In the description of this specification, the words "comprising", "comprising", "having", "containing" and so on are all open terms, meaning including but not limited to. A description referring to the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one of the present application. Examples or examples. In this specification, schematic representations of the above terms do not ne...
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The invention provides a risk enterprise determination method and device based on a knowledge graph, and the method comprises the steps: constructing an enterprise knowledge graph which comprises an enterprise entity, the attribute information of the enterprise entity, and an enterprise entity relation; based on the attribute information of the enterprise entity, determining an attribute risk value of the enterprise entity by querying an attribute risk table; determining a risk value of the enterprise entity according to the attribute risk value of the enterprise entity; obtaining a risk valueof an enterprise entity relationship corresponding to each enterprise entity in the enterprise knowledge graph by querying the relationship risk table; determining an associated enterprise risk valueof each enterprise entity according to the risk value of the enterprise entity relationship corresponding to each enterprise entity and the risk value of the enterprise entity at the other end of thecorresponding enterprise entity relationship; and determining the enterprise entity of which the risk value is greater than a first preset threshold or the associated enterprise risk value is greaterthan a second preset threshold as a risk enterprise. The method and device can be used for accurately judging whether the enterprise is a risky enterprise or not, and are high in accuracy.
Description
technical field [0001] The present invention relates to the technical field of risk early warning analysis, in particular to a method and device for determining a venture enterprise based on a knowledge graph. Background technique [0002] At present, it is more and more common for enterprises to obtain bank loans. Banks need to review the enterprises applying for loans to determine whether the enterprise has loan risks, so as to avoid causing the enterprise's credit expansion, exceeding its own repayment ability, and causing huge loans to the bank. risk. At present, the review method of bank loans for loans mostly stays on the basic information of the enterprise. The incomplete review leads to inaccurate judgment of risky enterprises, and there is currently a lack of accurate methods for judging risky enterprises. Contents of the invention [0003] The embodiment of the present invention proposes a method for determining a venture enterprise based on a knowledge graph to...
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IPC IPC(8): G06Q40/02G06Q10/06G06F16/36
CPCG06Q10/0635G06F16/367G06Q40/03
Inventor 丁平李帅
Owner BANK OF CHINA