Bank loan distribution and post-loan management decision support system based on artificial intelligence deep learning and multi-parameter dynamic game

Abstract

The invention mainly belongs to the field of science and technology financial credit decisions, and particularly relates to a bank loan distribution and post-loan management decision support system based on artificial intelligence deep learning and multi-parameter dynamic game. According to the invention, through a theoretical research method of crossing operational research, game theory, networkscience and economics, existing frontier technologies of artificial intelligence, cloud computing, big data, machine learning and the like are comprehensively considered, and data mining and machine learning, data processing and deep learning theories are used for reference; on the basis that a financial institution has a complex dynamic commercial environment with asymmetric information during credit decision, a dynamic process of making a decision by a person is simulated by adopting an artificial intelligence deep reinforcement learning DQN model, and a multi-level and comprehensive systematic intelligent loan decision system for user identification, pre-loan evaluation and post-loan management is constructed. The cross-industry, cross-market and cross financial risk identification, prevention and resolution capabilities of financial institutions are improved.

Description

technical field [0001] The invention mainly belongs to the field of scientific and technological financial credit decision-making, and specifically relates to a bank loan issuance and post-loan management decision support system based on artificial intelligence deep learning and multi-parameter dynamic game. Background technique [0002] Due to the problem of information asymmetry in the existing loan process, the bank cannot obtain all the information of the borrower, so the bank is particularly cautious when providing loan services to customers, which makes the loan review and issuance process longer, and the loan customer experience is poor. At the same time, due to information asymmetry, banks currently do not have enough data and sub-information to make decisions, and it is difficult to form an optimized post-loan management policy and a dynamic and intelligent policy system based on consumers' different repayment behaviors when making post-loan decisions. [0003] Ther...

AI Technical Summary

Problems solved by technology

Due to information asymmetry, there are credit risks, market risks and liquidity risks in the bank credit business. At the same time, there is a lack of technical intervention in the traditional credit management process, and there are differences in information between the upper and lower levels within the bank, which further leads to low credit review efficiency. question

Under the new economic normal, the current traditional credit business has the following problems: administrative tendency of credit management, unreasonable risk management mechanism, backward credit risk analysis methods, etc.

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