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User risk level information determination method and device

A technology of risk level and determination method, applied in the field of data processing, can solve problems such as the inability to effectively reflect the real risk level of customers, and achieve the effect of effective and real risk level

Pending Publication Date: 2020-12-15
CHINA CONSTRUCTION BANK
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, these data often only rely on the bank's own business data or only consider customer risks in a certain regulatory field, which cannot effectively reflect the real risk level of customers

Method used

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  • User risk level information determination method and device
  • User risk level information determination method and device
  • User risk level information determination method and device

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Embodiment Construction

[0022] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0023] Since the current customer risk assessment only considers internal business data or only evaluates customer risk in a certain regulatory field, it cannot effectively reflect the real risk level of customers. Based on this, the embodiment of the present invention provides a scheme for determining user risk level information. The scheme fully...

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Abstract

The invention discloses a user risk level information determination method and device. The method comprises the steps: obtaining user risk data which comprise internal business data and external network data; performing early warning item classification operation on the risk data according to a predetermined rule; and according to the classified risk data and the early warning levels to which therisk data belong, performing grading operation on the user risks to determine risk level information of the user. According to the invention, the real risk degree of a client can be more effectively reflected.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a method and device for determining user risk level information. Background technique [0002] At present, in the risk management system, the bank's corporate customer risk rating is often assessed by five-category classification of customer loans, that is, loans are divided into five categories according to the degree of risk: normal, special attention, substandard, suspicious, and loss , the latter three are non-performing loans. Or, based on the customer's own business data, comprehensively evaluate the customer's credit rating to reflect the quality of the customer. Furthermore, under the supervision of the China Banking and Insurance Regulatory Bureau, the banking industry also reasonably sets up risk assessment indicators based on basic elements such as customer characteristics, geography, business, and industry, conducts risk assessment on customers, and establishes custome...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06G06F16/906
CPCG06Q10/06393G06F16/906G06F2216/03G06Q40/03
Inventor 吴超荣袁进威陈宝山关健夏成扬
Owner CHINA CONSTRUCTION BANK