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

Pending Publication Date: 2021-03-16
北京淇瑀信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, many data, such as user data and other related data, do not consider changes caused by time factors when using them. Therefore, when using the above data for model calculations, the model calculation values ​​are not accurate enough, and even the risk assessment of some users

Method used

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

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Embodiment 1

[0044] Below, will refer to Figure 1 to Figure 3 An embodiment of the financial risk prediction method based on automatic optimal modeling of the present invention is described.

[0045] figure 1 It is a flow chart of an example of the financial risk prediction method based on automatic optimal modeling of the present invention. Such as figure 1 As shown, the method includes the following steps.

[0046] In step S101, a model configuration file is preset, and the model configuration file includes a model generation file for automatically generating each model.

[0047] Step S102, receiving user input, the user input includes financial product time nodes and model generation parameters.

[0048] Step S103, use the received user input to perform matching processing with the model configuration file, and determine a model generation file matching the user input.

[0049] Step S104, generating a file according to the matched model to generate a set of financial risk models, ...

Embodiment 2

[0125] An apparatus embodiment of the present invention is described below, and the apparatus can be used to execute the method embodiment of the present invention. The details described in the device embodiments of the present invention should be regarded as supplements to the above method embodiments; details not disclosed in the device embodiments of the present invention can be implemented by referring to the above method embodiments.

[0126] refer to Figure 4 , Figure 5 and Figure 6 , the present invention also provides a financial risk forecasting device 400 based on automatic optimal modeling, the financial risk forecasting device 400 includes: a setting module 401, used to preset a model configuration file, the model configuration file includes The model generation file of each model; the receiving module 402 is used to receive user input, and the user input includes financial product time nodes and model generation parameters; the matching processing module 403 ...

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PUM

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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.

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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Application Information

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IPC IPC(8): G06Q40/08G06F30/27G06Q10/06G06N3/08
CPCG06N3/08G06Q10/06393G06Q40/08G06F30/27
Inventor 颜培英丁楠苏绥绥
Owner 北京淇瑀信息科技有限公司
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