Financial risk prediction method and device based on automatic preferred modeling and electronic equipment

A risk prediction and financial technology, applied in finance, neural learning methods, design optimization/simulation, etc., can solve the problems of inaccurate model calculation value, cost a lot of time, low accuracy of risk assessment, etc., to simplify the modeling process, The effect of reducing the time associated with business tasks, accurate and more automated risk profiles
CN112508723APending Publication Date: 2021-03-16北京淇瑀信息科技有限公司
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Patent Information

Authority / Receiving Office
CN · China
Current Assignee / Owner
北京淇瑀信息科技有限公司
Publication Date
2021-03-16

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Abstract

The invention provides a financial risk prediction method and device based on automatic preferred modeling and electronic equipment. The method comprises the following steps: presetting a model configuration file, wherein the model configuration file comprises a model generation file for automatically generating each model; receiving user input, wherein the user input comprises financial product time nodes and model generation parameters; performing matching processing, anddetermininga model generation file matched with the user input ; generating a financial risk model set according to the matched model generation file, and automatically training each financial risk model; selecting a corresponding test data set, performing effect evaluation on each model in the financial risk model set,and automatically selecting an optimal financial risk model according to evaluation indexes; and predicting the financial risk of the new user by using the optimal financial risk model. According to the invention, the model can be generated more automatically, the working efficiency of business personnel is improved, and the modeling system is optimized.
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Description

technical field

[0001] The invention relates to the field of computer information processing, in particular to a financial risk prediction method, device and electronic equipment based on automatic optimal modeling. Background technique

[0002] Risk forecasting is the quantification of risk and a key technology of risk management. At present, risk prediction is generally carried out through modeling. In the process of model establishment, there are mainly steps such as data extraction, feature generation, feature selection, algorithm model generation, and rationality assessment.

[0003] In the prior art, the main purpose of financial risk prediction is how to distinguish good customers from bad customers, evaluate the risk situation of users, so as to reduce credit risk and realize profit maximization. In addition, as the sources of data become more and more abundant, more and more data can be used as risk characteristic variables. However, many data, such as user data a...

Claims

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