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Credit risk evaluation method and system, computer equipment and storage medium

A risk assessment and credit technology, applied in the computer field, can solve problems such as low work efficiency and low accuracy of assessment results

Pending Publication Date: 2020-12-01
北京瓴岳信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The purpose of the embodiments of the present invention is to provide a credit risk assessment method, aiming to solve the technical problems of low work efficiency and low accuracy of assessment results in traditional credit risk assessment methods

Method used

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  • Credit risk evaluation method and system, computer equipment and storage medium
  • Credit risk evaluation method and system, computer equipment and storage medium
  • Credit risk evaluation method and system, computer equipment and storage medium

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Embodiment Construction

[0027] In order to make the object, technical solution and advantages of the present invention clearer, the present invention 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 invention, not to limit the present invention.

[0028] It can be understood that the terms "first", "second" and the like used in the present application may be used to describe various elements herein, but unless otherwise specified, these elements are not limited by these terms. These terms are only used to distinguish one element from another element. For example, a first xx script could be termed a second xx script, and, similarly, a second xx script could be termed a first xx script, without departing from the scope of the present application.

[0029] figure 1 An application environment diagram of a credit risk assessment method provided...

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Abstract

The invention is applicable to the field of computers, and provides a credit risk evaluation method and system, computer equipment and a storage medium. The credit risk evaluation method comprises thefollowing steps: collecting communication relationship information of a target user; constructing a communication relationship graph database of a target user, wherein the communication relationshipgraph database takes a communication account in a communication relationship as a node; and risk characteristics of associated nodes in the communication relationship graph database are mined, a riskevaluation result of a target user is determined according to the risk characteristics of the associated nodes, and the associated nodes are nodes directly or indirectly associated with target user nodes in the communication relationship graph database. According to the scheme, the risk evaluation result of the target user can be determined according to the risk characteristics of the associated nodes by establishing the communication relationship graph database of the target user and mining the risk characteristics of the associated nodes in the communication relationship graph database, manual evaluation is replaced, and the evaluation efficiency and the reliability of the evaluation result are improved.

Description

technical field [0001] The invention belongs to the field of computers, and in particular relates to a credit risk assessment method, system, computer equipment and storage medium. Background technique [0002] Credit refers to the form of value movement conditioned on repayment and interest payment, usually including credit activities such as bank deposits and loans. Due to the industry characteristics of the credit business and the need for risk management and control, it is necessary to evaluate the credit and financial status of customers applying for loans to determine the repayment risk of users. [0003] The traditional credit risk assessment method requires the customer to fill in the application materials offline or online, and then the background staff will continue to manually review the customer's application materials. This manual review and evaluation method is inefficient and may be subject to the staff's subjective Factors, or incorrect application materials...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 耿博何强仵贇
Owner 北京瓴岳信息技术有限公司
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