Customer credit card quota configuration method and device based on knowledge graph

Abstract

The invention provides a customer credit card quota configuration method and device based on a knowledge graph. The method comprises the following steps: constructing a customer relationship knowledgegraph of a customer applying for a credit card and an enterprise relationship knowledge graph of an enterprise where each customer is located in the customer relationship knowledge graph; determininga customer risk coefficient of each customer according to the first risk value of each customer in the customer relationship knowledge graph and the second risk value of the enterprise where each customer is located in the enterprise relationship knowledge graph; obtaining a customer set having an entity relationship with the credit card application customer; and determining a second credit cardlimit of the credit card application client according to a preset first credit card limit of the credit card application client, the client risk coefficient of each client in the client set and the preset first credit card limit. According to the invention, the credit card quota of the client can be accurately and reasonably configured.

Description

[0001] The present invention relates to the field of computer technology, and in particular, to a method and device for configuring the limit of a customer's credit card based on a knowledge graph. Background technique [0002] At present, the credit card quota allocation methods adopted by domestic commercial banks include benchmark interest rate plus point method, cost plus pricing method, relational pricing method and market reference method. These methods also have obvious defects in mature marketization. The analysis is as follows: [0003] The benchmark interest rate plus-point pricing model is based on the benchmark interest rate of the central bank, combined with the risk level index of the user's credit to formulate the credit card limit, which has a certain rationality and competitiveness. But this pricing method is not comprehensive enough. [0004] The cost-plus pricing model is a "cost-oriented" model. Although banks are profitable, they are introverted and do not...

AI Technical Summary

Problems solved by technology

Because they only blindly refer to the market prices of competitors in the same industry in order to seize the market, but do not carefully weigh their own costs and profits. As a result, it is very likely that although they have seized the market, they have little profit or even a loss.

[0007] To sum up, there is currently a lack of a more accurate and reasonable credit card limit allocation method

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