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Risk control rule generation method, device and equipment, and computer readable storage medium

A technology of rules and risk control, applied in the field of big data, can solve problems such as the inability to meet the fine configuration of risk control rules for loan customers

Pending Publication Date: 2021-04-09
平安消费金融有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In view of this, the embodiments of the present invention provide a risk control rule generation method, device, computer equipment, and computer-readable storage medium, which are used to solve the problem that the existing unified risk control rule configuration for the same type of loan customers cannot The problem of meeting the demand for refined configuration of loan customer risk control rules

Method used

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  • Risk control rule generation method, device and equipment, and computer readable storage medium
  • Risk control rule generation method, device and equipment, and computer readable storage medium
  • Risk control rule generation method, device and equipment, and computer readable storage medium

Examples

Experimental program
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Embodiment 1

[0063] see figure 1 , shows a flow chart of the steps of the method for generating risk control rules according to the embodiment of the present invention. It can be understood that the flowchart in this method embodiment is not used to limit the sequence of execution steps. The following is an exemplary description taking computer equipment as the execution subject, as follows:

[0064] Such as figure 1 As shown, the method for generating risk control rules may include steps S100-S700, wherein:

[0065] Step S100, according to the loan business request, obtain loan product data, source channel and multiple user data, and the source channel is the channel through which the user accesses the consumer finance system.

[0066] Exemplarily, the method for generating risk control rules is applied in a consumer finance system.

[0067] In an exemplary embodiment, the loan product data in the consumer finance system includes product type data and product content data of the loan ...

Embodiment 2

[0103] read on Figure 7 , shows a schematic diagram of program modules of the risk control rule generation device of the present invention. In this embodiment, the risk control rule generator 20 may include or be divided into one or more program modules, and one or more program modules are stored in a storage medium and executed by one or more processors to The present invention is completed, and the above method for generating risk control rules can be realized. The program module referred to in the embodiment of the present invention refers to a series of computer program instruction segments capable of accomplishing specific functions, which is more suitable for describing the execution process of the risk control rule generation device 20 in the storage medium than the program itself. The following description will specifically introduce the functions of each program module of the present embodiment:

[0104] The data acquisition module 800 is used to acquire loan produ...

Embodiment 3

[0118] refer to Figure 8 , is a schematic diagram of the hardware architecture of the computer device according to Embodiment 3 of the present invention. In this embodiment, the computer device 2 is a device capable of automatically performing numerical calculation and / or information processing according to preset or stored instructions. The computer device 2 may be a rack server, a blade server, a tower server or a cabinet server (including an independent server, or a server cluster composed of multiple servers) and the like. Such as Figure 8 As shown, the computer device 2 at least includes, but is not limited to, a memory 21 , a processor 22 , a network interface 23 , and a risk control rule generation device 20 that can communicate with each other through a system bus. in:

[0119] In this embodiment, the memory 21 includes at least one type of computer-readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-typ...

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Abstract

The embodiment of the invention provides a risk control rule generation method, and the method comprises the steps of obtaining loan product data, a source channel and a plurality of user data according to a loan business request, wherein the source channel is a channel for a user to access a consumption financial system; obtaining a first risk control rule set according to product type data in the loan product data; obtaining a plurality of target user tags according to the plurality of user data and source channels; extracting a second risk control rule set from the first risk control rule set according to the plurality of target user tags; and adjusting the second risk control rule set according to a plurality of historical loan parameters corresponding to the second risk control rule set to obtain a target risk control rule set. The risk control rule set is flexibly configured through the multi-dimensional data of the loan product data, the user data, the source channel and the historical loan parameters, and for risk control business, the requirement for configuration refinement of the risk control rules of the loan clients is met from multiple dimensions.

Description

technical field [0001] The embodiments of the present invention relate to the field of big data technology, and in particular to a method, device, computer equipment, and computer-readable storage medium for generating risk control rules. Background technique [0002] At present, in the field of consumer finance, changes in risk control rules are unpredictable. Rapid support for changes in risk control rules is a company’s core competitiveness. Rapid support for changes in risk control policies can, on the one hand, better To meet the country's compliance requirements and avoid compliance risks, on the other hand, it can better serve customers. The existing risk control rules usually define the corresponding risk control rules for the customer groups to which loan customers belong; adopt unified risk control rules to realize risk control for loan customers. However, the existing unified configuration of risk control rules for the same type of loan customers ignores the diff...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 杜长闯
Owner 平安消费金融有限公司
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