Method, device and apparatus for determining risk impact scope

Abstract

The present application relates to the field of risk transmission technology, and discloses a method for determining the scope of risk impact, including: obtaining a risk event; determining the first subject corresponding to the risk event in the knowledge graph; obtaining the risk score of the risk factor corresponding to the first subject, and obtaining the anti-risk score of the anti-risk factor corresponding to the first subject; obtaining the risk value of the first subject according to the risk score, and obtaining the anti-risk coefficient of the first subject according to the anti-risk score; determining the risk propagation value of the first subject according to the anti-risk coefficient and the risk value; and determining the risk impact scope of the risk event according to the risk propagation value. The method determines the risk impact scope of the risk event by determining the first subject corresponding to the risk event and determining the risk impact scope of the risk event according to the risk propagation value of the first subject. The present application also discloses a device and equipment for determining the risk impact scope.

Description

Technical Field

[0001] The present application relates to the field of risk transmission technology, for example, to a method, device and equipment for determining the scope of risk impact. Background Art

[0002] A knowledge graph is a graph-based data structure. The nodes in the knowledge graph represent subjects, such as people, objects, organizations, or enterprises, and the edges in the knowledge graph represent the relationships between subjects. The knowledge graph is essentially a semantic network that reveals the relationships between subjects. At present, when a risk event occurs, it is not possible to determine the scope of the risk impact of the risk event, that is, it is not possible to determine the subject affected by the risk of the risk event. How to determine the subject affected by the risk is very helpful for risk prevention and control in advance for business operations, bank loans, etc.

[0003] In the process of implementing the embodiments of the present disclosure, it is found that there are at least the following problems in the related art: the existing technology cannot determine the risk impact scope of the risk event. Summary of the invention

[0004] In order to provide a basic understanding of some aspects of the disclosed embodiments, a brief summary is given below. The summary is not an extensive review, nor is it intended to identify key / critical components or delineate the scope of protection of these embodiments, but rather serves as a prelude to the detailed description that follows.

[0005] The embodiments of the present disclosure provide a method, an apparatus, and a device for determining a risk impact scope, so as to determine the risk impact scope of a risk event.

[0006] In some embodiments, the method for determining the scope of risk impact includes:

[0007] Obtain risk events;

[0008] Determine a first subject corresponding to the risk event in the knowledge graph;

[0009] Obtaining a risk score of the risk factor corresponding to the first subject, and obtaining an anti-risk score of the anti-risk factor corresponding to the first subject;

[0010] Acquire the risk value of the first subject according to the risk score, and acquire the risk resistance coefficient of the first subject according to the risk resistance score;

[0011] Determining a risk propagation value of the first subject according to the risk resistance coefficient and the risk value;

[0012] The risk impact scope of the risk event is determined according to the risk propagation value.

[0013] In some embodiments, the apparatus includes a processor and a memory storing program instructions, and the processor is configured to execute the above-mentioned method for determining the risk impact scope when running the program instructions.

[0014] In some embodiments, the device includes means for determining the scope of risk impact as described above.

[0015] The method, apparatus, and equipment for determining the scope of risk impact provided by the embodiments of the present disclosure can achieve the following technical effects: by obtaining risk events, the first subject corresponding to the risk event is determined in the knowledge graph, the risk propagation value of the first subject is obtained according to the anti-risk factors and risk factors corresponding to the first subject, and the risk impact scope of the risk event is determined according to the risk propagation value, thereby realizing the determination of the risk impact scope of the risk event, which provides great help for risk prevention and control.

[0016] The above general description and the following description are exemplary and explanatory only and are not intended to limit the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] One or more embodiments are exemplarily described by corresponding drawings, which do not limit the embodiments. Elements with the same reference numerals in the drawings are shown as similar elements, and the drawings do not constitute a scale limitation, and wherein:

[0018] Figure 1 is a schematic diagram of a method for determining a risk impact range provided by an embodiment of the present disclosure;

[0019] Figure 2 It is a schematic diagram of a device for determining a risk impact scope provided by an embodiment of the present disclosure. DETAILED DESCRIPTION

[0020] In order to be able to understand the features and technical contents of the embodiments of the present disclosure in more detail, the implementation of the embodiments of the present disclosure is described in detail below in conjunction with the accompanying drawings. The attached drawings are for reference only and are not used to limit the embodiments of the present disclosure. In the following technical description, for the convenience of explanation, a full understanding of the disclosed embodiments is provided through multiple details. However, one or more embodiments can still be implemented without these details. In other cases, to simplify the drawings, well-known structures and devices can be simplified for display.

[0021] The terms "first", "second", etc. in the specification and claims of the embodiments of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the terms used in this way can be interchanged where appropriate, so that the embodiments of the embodiments of the present disclosure described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions.

[0022] Unless otherwise stated, the term "plurality" means two or more.

[0023] In the embodiment of the present disclosure, the character " / " indicates that the preceding and following objects are in an "or" relationship. For example, A / B indicates: A or B.

[0024] The term "and / or" is a description of the association relationship between objects, indicating that three relationships can exist. For example, A and / or B means: A or B, or, A and B.

[0025] Combination Figure 1 As shown, the embodiment of the present disclosure provides a method for determining a risk impact range, including:

[0026] Step S101, obtaining risk events;

[0027] Step S102, determining the first subject corresponding to the risk event in the knowledge graph;

[0028] Step S103, obtaining the risk score of the risk factor corresponding to the first subject, and obtaining the anti-risk score of the anti-risk factor corresponding to the first subject;

[0029] Step S104, obtaining the risk value of the first subject according to the risk score, and obtaining the risk resistance coefficient of the first subject according to the risk resistance score;

[0030] Step S105, determining the risk propagation value of the first subject according to the risk resistance coefficient and the risk value;

[0031] Step S106: determining the risk impact scope of the risk event according to the risk propagation value of the first subject.

[0032] By adopting the method for determining the risk impact scope provided by the embodiment of the present disclosure, the first subject corresponding to the risk event is determined in the knowledge graph through the acquired risk events, the risk propagation value of the first subject is obtained according to the anti-risk factors and risk factors corresponding to the first subject, and the risk impact scope of the risk event is determined according to the risk propagation value, thereby realizing the determination of the risk impact scope of the risk event, which provides great help for risk prevention and control.

[0033] Optionally, the first subject includes a person, an event, an object, an enterprise, a company or an organization, etc.

[0034] Optionally, the anti-risk factor includes several anti-risk characteristics, and obtaining the anti-risk score of the anti-risk factor corresponding to the first subject includes: matching the anti-risk characteristic score corresponding to the anti-risk characteristic in a preset anti-risk characteristic score database; obtaining the type score of the anti-risk characteristic according to the anti-risk characteristic score; obtaining the anti-risk score of the anti-risk factor corresponding to the first subject according to the type score of the anti-risk characteristic; and storing the correspondence between the anti-risk characteristics and the anti-risk characteristic scores in the anti-risk characteristic score database.

[0035] Optionally, the anti-risk factors include several types of anti-risk characteristics, and each type of anti-risk characteristics includes several anti-risk characteristics. In some embodiments, an example table of anti-risk factors of the first subject is shown in Table 1; as shown in Table 1, the anti-risk factors of the first subject include anti-risk characteristics of types such as corporate affiliates, basic characteristics, operating capabilities, and performance of affiliated companies; wherein, operating capabilities include anti-risk characteristics of profitability types, anti-risk characteristics of inventory cycle types, etc.; wherein, profitability types include anti-risk characteristics such as sales profit margin, return on net assets, and cost-profit margin; inventory cycle types include anti-risk characteristics such as inventory turnover rate, accounts receivable turnover rate, sales growth rate, and quick ratio.

[0036] Table 1

[0037]

[0038]

[0039] In some embodiments, as shown in Table 2, an example table of the anti-risk characteristic score database is shown. As shown in Table 2, when the anti-risk characteristic is the existence period, the anti-risk characteristic score for 0-5 years is 20, the anti-risk characteristic score for 5-10 years is 40, the anti-risk characteristic score for 10-15 years is 60, and the anti-risk characteristic score for more than 15 years is 80.

[0040] Table 2

[0041]

[0042]

[0043] Optionally, obtaining a type score of the anti-risk feature according to the anti-risk feature score includes: determining the maximum value of each anti-risk feature score in the same anti-risk feature type as the type score of the anti-risk feature.

[0044] Optionally, obtaining the anti-risk score of the anti-risk factor corresponding to the first subject according to the type score of the anti-risk feature includes: calculating P″ l =P′1 w′ 1 +P′ 2 w′ 2 +…+P′ n w′ n Obtain the risk resistance score of the risk resistance factor, where P″ l is the risk resistance score of the lth risk resistance factor, P′ n Score the nth type of risk resistance feature, w′ n is the weight of the nth type of the preset anti-risk feature, n is the number of types of anti-risk features, and n is a positive integer.

[0045] Optionally, obtaining a type score for the anti-risk feature based on the anti-risk feature score includes: determining the maximum value among the anti-risk feature scores in the same anti-risk feature type as the type characteristic value of the anti-risk feature; and obtaining the type score for the anti-risk feature based on the type characteristic value of the anti-risk feature.

[0046] Optionally, obtaining a type score of the anti-risk feature according to the type characteristic value of the anti-risk feature includes: normalizing the type characteristic value of the anti-risk feature to obtain the type score of the anti-risk feature.

[0047] Optionally, by calculating Get the type score of risk resistance characteristics, where P′ m is the score of the mth type of risk resistance feature, n is the number of types of risk resistance features, n is a positive integer, T m is the mth type characteristic value of the anti-risk characteristic, w′ m is the weight of the mth type of the preset anti-risk feature, and W′ is the sum of the weights of each anti-risk feature type in the same anti-risk factor.

[0048] Optionally, obtaining the anti-risk score of the anti-risk factor corresponding to the first subject according to the type score of the anti-risk feature includes:

[0049] By calculating P″ l =100*(1-(1-P′ 1 / 100)(1-P′ 2 / 100)…(1-P′ n / 100)) to obtain the risk resistance score of the risk resistance factor, where P″ l is the risk resistance score of the lth risk resistance factor, P′ n Score the nth type of risk resistance trait.

[0050] Optionally, obtaining the anti-risk coefficient of the first subject according to the anti-risk score of the anti-risk factor includes: calculating using the anti-risk score of the anti-risk factor by a preset first algorithm to obtain the anti-risk coefficient of the first subject.

[0051] Alternatively, by calculating P=P″ 1 w 1 +P″ 2 w 2 +…+P″ k w k Obtain the risk resistance coefficient of the first subject, where P is the risk resistance coefficient of the first subject, and P″ k is the risk resistance score of the kth risk resistance factor, w k is the preset weight of the kth anti-risk factor, k is the number of anti-risk factors, and k is a positive integer.

[0052] Optionally, obtaining the anti-risk coefficient of the first subject according to the anti-risk score of the anti-risk factor includes: obtaining a characteristic score of the anti-risk factor according to the anti-risk score of the anti-risk factor, and obtaining the anti-risk coefficient of the first subject according to the characteristic score of the anti-risk factor.

[0053] Optionally, obtaining the characteristic score of the anti-risk factor according to the anti-risk score of the anti-risk factor includes: calculating Obtain the characteristic score of the anti-risk factor, where: is the characteristic score of the lth anti-risk factor, P″ l is the risk resistance score of the lth risk resistance factor, w l is the preset weight of the lth anti-risk factor, and W is the sum of the weights of each anti-risk factor of the first subject.

[0054] Optionally, obtaining the risk resistance coefficient of the first subject according to the characteristic score of the risk resistance factor includes: calculating Obtain the risk resistance coefficient of the first subject, where P is the risk resistance coefficient of the first subject, is the characteristic score of the kth anti-risk factor.

[0055] Optionally, the risk factor includes several risk characteristics, and obtaining the risk score of the risk factor corresponding to the first subject includes: matching the risk characteristic score corresponding to the risk characteristic in a preset risk characteristic score database; obtaining the type score of the risk characteristic according to the risk characteristic score; obtaining the risk score of the risk factor corresponding to the first subject according to the type score of the risk characteristic; and storing the correspondence between the risk characteristics and the risk characteristic scores in the risk characteristic score database.

[0056] Optionally, the risk factor includes several types of risk characteristics, and each risk characteristic type includes several risk characteristics. In some embodiments, as shown in Table 3, the risk factor example table of the first subject; as shown in Table 3, the risk factors of the first subject include risk characteristics of types such as operating capacity, risk events, credit performance, blacklist, model hits, and risk relationships; wherein, risk events include risk characteristics of financial status types, risk characteristics of credit event types, risk characteristics of transaction behavior types, risk characteristics of judicial / administrative punishment types, and risk characteristics of black-gray list types; wherein, financial status types include risk characteristics such as decreased debt repayment capacity, decreased profitability, and decreased operating capacity; credit event types include risk characteristics such as rating downgrades, non-performing loans, and overdue loans; transaction behavior types include risk characteristics such as transaction bank circular transfers and inflated business, corporate repayments, large amounts of funds flowing into related party accounts, and borrowing new to repay old loans; judicial / administrative punishment types include risk characteristics such as litigation, regulatory penalties, and persons subject to execution; black-gray list types include anti-money laundering reporting lists, etc.

[0057] Table 3

[0058]

[0059]

[0060] In some embodiments, as shown in Table 4, an example table of a risk feature score database, as shown in Table 4, when the risk feature is sales profit margin, the risk score of sales profit margin <-1 is 90; the risk score of -1 < sales profit margin <-0.5 is 60; the risk score of -0.5 < sales profit margin <0 is 30.

[0061] Table 4

[0062]

[0063]

[0064] Optionally, obtaining a type score of the risk feature according to the risk feature score includes: determining the maximum value of each risk feature score in the same risk feature type as the type score of the risk feature.

[0065] Optionally, obtaining the risk score of the risk factor corresponding to the first subject according to the type score of the risk feature includes: calculating Y″ h =Y′ 1 a′ 1 +Y′ 2 a′ 2 +…+Y′ i a′ i Get the risk score of the risk factor, where Y″ his the risk score of the h-th risk factor, Y′ i Score the i-th type of risk feature, a′ i is the weight of the i-th type of the preset risk feature, i is the number of risk feature types, and i is a positive integer.

[0066] Optionally, obtaining a type score of the risk feature based on the risk feature score includes: determining the maximum value of each risk feature score in the same risk feature type as the type characteristic value of the risk feature; and obtaining the type score of the risk feature based on the type characteristic value of the risk feature.

[0067] Optionally, obtaining a type score of the risk feature according to the type characteristic value of the risk feature includes: normalizing the type characteristic value of the risk feature to obtain the type score of the risk feature.

[0068] Optionally, by calculating Get the type score of risk characteristics, where Y′ j is the score of the jth type of risk feature, i is the number of risk feature types, i is a positive integer, T′ j is the j-th type characteristic value of the risk characteristic, a′ j is the weight of the jth type of the preset risk feature, and A′ is the sum of the weights of each risk feature type in the same risk factor.

[0069] Optionally, obtaining a risk score of a risk factor corresponding to the first subject according to the type score of the risk feature includes:

[0070] By calculating Y″ h =100*(1-(1-Y′ 1 / 100)(1-Y′ 2 / 100)…(1-Y′ i / 100)) to obtain the risk score of the risk factor, where Y″ h is the risk score of the h-th risk factor, Y′ i Score the ith type of risk signature.

[0071] Optionally, obtaining the risk value of the first subject according to the risk score of the risk factor includes: performing calculation using the risk score through a preset second algorithm to obtain the risk value of the first subject.

[0072] Alternatively, by calculating Y=Y″ 1 a 1 +Y″ 2 a 2 +…+Y″ g a g Obtain the risk value of the first subject, where Y is the risk value of the first subject, and Y″g is the risk score of the g-th risk factor, a g is the preset weight of the gth risk factor, g is the number of risk factors, and g is a positive integer.

[0073] Optionally, acquiring the risk value of the first subject according to the risk score of the risk factor includes: acquiring a characteristic score of the risk factor according to the risk score of the risk factor, and acquiring the risk value of the first subject according to the characteristic score of the risk factor.

[0074] Optionally, obtaining a characteristic score of the risk factor according to the risk score of the risk factor includes: calculating Obtain the characteristic scores of risk factors, where is the characteristic score of the h-th risk factor, Y″ h is the risk score of the hth risk factor, a h is the preset weight of the hth risk factor, and A is the sum of the weights of the risk factors of the first subject.

[0075] Optionally, obtaining the risk value of the first subject according to the characteristic score of the risk factor includes: calculating Obtain the risk value of the first subject, where Y is the risk value of the first subject, is the characteristic score of the g-th risk factor.

[0076] Optionally, determining the risk propagation value of the first subject according to the risk resistance coefficient and the risk value includes: performing calculations using the risk resistance coefficient and the risk value by using a preset third algorithm to obtain the risk propagation value of the first subject.

[0077] Optionally, the risk propagation value of the first subject is obtained by calculating D=P*100-Y, wherein D is the risk propagation value of the first subject, P is the risk resistance coefficient of the first subject, and Y is the risk value of the first subject.

[0078] Optionally, a subject other than the first subject in the knowledge graph is determined as a second subject, and the risk impact scope of the risk event is determined based on the risk propagation value of the first subject, including: when the risk propagation value of the first subject meets a preset condition, the second subject that has a connection relationship with the first subject is determined as a third subject; the third subject is a subject in the knowledge graph that is affected by the risk of the first subject; and the third subject is determined as a subject in the knowledge graph that is affected by the risk of the risk event.

[0079] Optionally, the risk propagation value of the first subject satisfies a preset condition, including: the risk propagation value of the first subject is less than a set threshold. Optionally, the threshold is set to zero. In some embodiments, when the risk propagation value of the first subject is less than zero, the first subject has risk propagation properties, and the second subject that is connected to the first subject will be affected by the risk of the first subject. When the risk propagation value of the first subject is greater than or equal to zero, the first subject can resist the risk and does not have risk propagation properties.

[0080] Optionally, after determining the third subject as the subject affected by the risk of the risk event, it also includes: obtaining the degree of influence of the first subject on the third subject; determining the subject affected by the risk of the third subject in the knowledge graph according to the degree of influence; in the case that there is a subject affected by the risk of the third subject in the knowledge graph, determining the subject affected by the risk of the third subject in the knowledge graph as a fourth subject; determining the fourth subject as the subject affected by the risk of the risk event in the knowledge graph.

[0081] Optionally, obtaining the degree of influence of the first subject on the third subject includes: obtaining the degree of influence of the first subject on the third subject by calculating X=D*β, wherein X is the degree of influence of the first subject on the third subject, D is the risk transmission value of the first subject, and β is the risk transmission rate between the first subject and the third subject.

[0082] Optionally, obtaining the risk transmission rate between the first subject and the third subject includes: obtaining the risk relationship between the first subject and the third subject; matching the risk transmission rate corresponding to the risk relationship between the first subject and the third subject in a preset risk transmission rate database; wherein the risk transmission rate database stores the corresponding relationship between the risk relationship and the risk transmission rate. Optionally, obtaining the risk transmission rate between the first subject and the third subject includes: obtaining the risk relationship between the first subject and the third subject; obtaining the risk propagation weight according to the risk relationship between the first subject and the third subject, and obtaining the risk transmission rate between the first subject and the third subject according to the risk propagation weight. Optionally, the risk propagation weight belongs to a preset range, that is, the preset minimum value ≤ risk propagation weight ≤ preset maximum value.

[0083] In some embodiments, when the risk relationship between the first subject and the third subject is a fund transaction risk relationship; the risk transmission weight is obtained according to the total amount of fund transactions, the number of transactions and the transaction time, and the risk transmission rate between the first subject and the third subject is obtained according to the risk transmission weight. For example: if there is no fund transaction within 1 year, the risk transmission rate between the first subject and the third subject is determined to be 0; if there is a fund transaction within 1 year, when the first subject transfers money to the third subject, the preset maximum value of the risk transmission weight is 0.3 and the preset minimum value is 0; when the third subject transfers money to the first subject, the preset maximum value of the risk transmission weight is 0.4 and the preset minimum value is 0; and the risk transmission weight is obtained according to the total amount of fund transactions and the number of transactions; for example, if the total transaction amount < 10,000, the risk transmission weight = 0.1*(1+0.1*number of transactions); if 10,000 ≤ total transaction amount < 100,000, the risk transmission weight = 0.3 *(1+0.1*number of transactions); if 100,000 ≤ total transaction amount < 1 million, risk transmission weight = 0.5*(1+0.1*number of transactions); if 1 million ≤ total transaction amount < 10 million, risk transmission weight = 0.7*(1+0.1*number of transactions); if 10 million ≤ total transaction amount, risk transmission weight = 0.9*(1+0.1*number of transactions); if the risk transmission weight is greater than the set value, optionally, the set value is 1, then the risk transmission rate = the maximum value of the risk transmission weight; otherwise, the risk transmission rate = the minimum value of the risk transmission weight + (the maximum value of the risk transmission weight - the minimum value of the risk transmission weight) * the risk transmission weight.

[0084] In some embodiments, when the risk relationship between the first subject and the third subject is a guarantee relationship, the risk transmission weight is obtained according to the guarantee amount, the number of guarantees, whether the guarantee is valid, and the amount of the associated loan contract, and the risk transmission rate between the first subject and the third subject is obtained according to the risk transmission weight. For example, if the guarantee is valid, the risk transmission weight = (guarantee amount / associated loan contract amount) * (1 + 0.1 * number of guarantees); if the risk transmission weight is greater than 1, the risk transmission rate = the highest value of the risk transmission weight; otherwise, the risk transmission rate = the lowest value of the risk transmission weight + (the highest value of the risk transmission weight - the lowest value of the risk transmission weight) * the risk transmission weight; if the guarantee is invalid, the risk transmission rate = 0.

[0085] In some embodiments, when the risk relationship between the first subject and the third subject is a kinship relationship, the risk transmission rate = the lowest risk transmission weight value + (the highest risk transmission weight value - the lowest risk transmission weight value) * the risk transmission weight.

[0086] Optionally, determining a subject in the knowledge graph that is affected by the risk of the third subject according to the degree of influence of the first subject on the third subject includes: determining the degree of influence of the first subject on the third subject as the risk score of one of the risk factors of the third subject; obtaining the risk resistance scores of each risk resistance factor corresponding to the third subject, and obtaining the risk score of each risk factor corresponding to the third subject; obtaining the risk resistance coefficient of the third subject according to each risk resistance score corresponding to the third subject, and obtaining the risk value of the third subject according to each risk score corresponding to the third subject; determining the risk propagation value of the third subject according to the risk resistance coefficient of the third subject and the risk value of the third subject; when the risk propagation value of the third subject is less than a set threshold, determining a subject that has a connection relationship with the third subject as a subject affected by the risk of the third subject.

[0087] In this way, by obtaining risk events, the risk propagation value of the first subject is obtained according to the anti-risk factors and risk factors corresponding to the first subject of the risk event, and the third subject affected by the risk of the first subject is determined according to the risk propagation value, and the third subject is determined as the subject affected by the risk of the risk event. Based on the principle of epidemiology, the fourth subject affected by the risk of the third subject in the knowledge graph is determined according to the degree of influence of the first subject on the third subject, and the fourth subject is also determined as the subject affected by the risk of the risk event, thereby determining the risk impact scope of the risk event, which provides great help for risk prevention and control. At the same time, according to the gradual expansion of calculations based on the source of infection, the resource requirements are low and the calculation speed is fast, and real-time or quasi-real-time risk impact assessment calculations can be achieved. And it is possible to determine the risk impact scope of multiple types of relationships between subjects.

[0088] Combination Figure 2 As shown, an embodiment of the present disclosure provides a device for determining the scope of risk impact, including a processor 100 and a memory 101. Optionally, the device may also include a communication interface 102 and a bus 103. The processor 100, the communication interface 102, and the memory 101 may communicate with each other through the bus 103. The communication interface 102 may be used for information transmission. The processor 100 may call the logic instructions in the memory 101 to execute the method for determining the scope of risk impact of the above embodiment.

[0089] In addition, the logic instructions in the memory 101 described above may be implemented in the form of software functional units and when sold or used as independent products, may be stored in a computer-readable storage medium.

[0090] The memory 101 is a computer-readable storage medium that can be used to store software programs and computer executable programs, such as program instructions / modules corresponding to the method in the embodiment of the present disclosure. The processor 100 executes the function application and data processing by running the program instructions / modules stored in the memory 101, that is, the method for determining the risk impact range in the above embodiment is implemented.

[0091] The memory 101 may include a program storage area and a data storage area, wherein the program storage area may store an operating system and an application required for at least one function; the data storage area may store data created according to the use of the terminal device, etc. In addition, the memory 101 may include a high-speed random access memory and may also include a non-volatile memory.

[0092] By using the device for determining the risk impact scope provided by the embodiment of the present disclosure, the first subject corresponding to the risk event is determined in the knowledge graph through the acquired risk event, the risk propagation value of the first subject is obtained according to the anti-risk factors and risk factors corresponding to the first subject, and the risk impact scope of the risk event is determined according to the risk propagation value, thereby realizing the determination of the risk impact scope of the risk event, which provides great help for risk prevention and control.

[0093] The disclosed embodiment provides a device, including the above-mentioned device for determining the scope of risk impact. The device determines the first subject corresponding to the risk event in the knowledge graph through the acquired risk event, obtains the risk propagation value of the first subject according to the anti-risk factor and risk factor corresponding to the first subject, and determines the risk impact scope of the risk event according to the risk propagation value, thereby realizing the determination of the risk impact scope of the risk event, which provides great help for risk prevention and control.

[0094] An embodiment of the present disclosure provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions are configured to execute the above-mentioned method for determining the risk impact scope.

[0095] An embodiment of the present disclosure provides a computer program product, which includes a computer program stored on a computer-readable storage medium. The computer program includes program instructions. When the program instructions are executed by a computer, the computer executes the above-mentioned method for determining the risk impact scope.

[0096] The computer-readable storage medium mentioned above may be a transient computer-readable storage medium or a non-transitory computer-readable storage medium.

[0097] The technical solution of the embodiment of the present disclosure can be embodied in the form of a software product, which is stored in a storage medium and includes one or more instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in the embodiment of the present disclosure. The aforementioned storage medium may be a non-transient storage medium, including: a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and other media that can store program codes, or a transient storage medium.

[0098] The above description and the accompanying drawings fully illustrate the embodiments of the present disclosure so that those skilled in the art can practice them. Other embodiments may include structural, logical, electrical, process and other changes. The embodiments represent only possible changes. Unless explicitly required, separate components and functions are optional, and the order of operation may vary. The parts and features of some embodiments may be included in or replace the parts and features of other embodiments. Moreover, the words used in this application are only used to describe the embodiments and are not used to limit the claims. As used in the description of the embodiments and the claims, unless the context clearly indicates, the singular forms of "a", "an" and "the" are intended to include plural forms as well. Similarly, the term "and / or" as used in this application refers to any and all possible combinations of listings containing one or more associated ones. In addition, when used in the present application, the term "comprise" and its variants "comprises" and / or comprising refer to the presence of stated features, wholes, steps, operations, elements, and / or components, but do not exclude the presence or addition of one or more other features, wholes, steps, operations, elements, components and / or groups thereof. In the absence of further restrictions, the elements defined by the sentence "comprising a ..." do not exclude the presence of other identical elements in the process, method or device comprising the elements. In this article, each embodiment may focus on the differences from other embodiments, and the same and similar parts between the various embodiments may refer to each other. For the methods, products, etc. disclosed in the embodiments, if they correspond to the method part disclosed in the embodiments, then the relevant parts can refer to the description of the method part.

[0099] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software may depend on the specific application and design constraints of the technical solution. The technicians may use different methods for each specific application to implement the described functions, but such implementations should not be considered to exceed the scope of the embodiments of the present disclosure. The technicians may clearly understand that, for the convenience and simplicity of description, the specific working processes of the systems, devices and units described above may refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here.

[0100] In the embodiments disclosed herein, the disclosed methods and products (including but not limited to devices, equipment, etc.) can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units can be only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between each other shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms. The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the units may be selected according to actual needs to implement this embodiment. In addition, each functional unit in the embodiment of the present disclosure may be integrated in a processing unit, or each unit may exist physically alone, or two or more units may be integrated in one unit.

[0101] The flowchart and block diagram in the accompanying drawings show the possible architecture, function and operation of the system, method and computer program product according to the embodiment of the present disclosure. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of the code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. In some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, which can depend on the functions involved. In the description corresponding to the flowchart and the block diagram in the accompanying drawings, the operations or steps corresponding to different boxes can also occur in a different order from the order disclosed in the description, and sometimes there is no specific order between different operations or steps. For example, two consecutive operations or steps can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, which can depend on the functions involved. Each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, may be implemented by a dedicated hardware-based system that performs the specified functions or actions, or may be implemented by a combination of dedicated hardware and computer instructions.

Claims

1. A method for determining the scope of enterprise risk impact, characterized in that: include: Obtain risk events; Determine a first subject corresponding to the risk event in the knowledge graph, where the first subject is an enterprise; Obtaining a risk score of a risk factor corresponding to the first subject, and obtaining an anti-risk score of an anti-risk factor corresponding to the first subject; both the risk factor and the anti-risk factor are multiple; Acquire the risk value of the first subject according to the risk score, and acquire the risk resistance coefficient of the first subject according to the risk resistance score; Determining a risk propagation value of the first subject according to the risk resistance coefficient and the risk value; Determine the risk impact scope of the risk event according to the risk propagation value; Obtaining the risk resistance coefficient of the first subject according to the risk resistance score includes: calculating Obtain the characteristic score of the anti-risk factor, where: For the The characteristic score of each risk factor, For the The risk resistance score of each risk resistance factor, For the preset The weight of the risk factor, is the sum of the weights of the first subject's various risk resistance factors; by calculating The risk resistance coefficient of the first subject is obtained, where: is the risk resistance coefficient of the first entity, For the The characteristic score of each anti-risk factor; Determine a subject other than the first subject in the knowledge graph as the second subject, and determine the risk impact scope of the risk event according to the risk propagation value, including: when the risk propagation value meets the preset conditions, determine the second subject that is connected to the first subject as the third subject; the third subject is the subject in the knowledge graph that is affected by the risk of the first subject; determine the third subject as the subject affected by the risk of the risk event; obtain the degree of influence of the first subject on the third subject; determine the subject in the knowledge graph that is affected by the risk of the third subject according to the degree of influence; when there is a subject in the knowledge graph that is affected by the risk of the third subject, determine the subject in the knowledge graph that is affected by the risk of the third subject as the fourth subject; determine the fourth subject as the subject affected by the risk of the risk event, thereby determining the risk impact scope of the risk event.

2. The method according to claim 1, characterized in that The anti-risk factors include several types of anti-risk characteristics, each anti-risk characteristic type includes several anti-risk characteristics, and obtaining the anti-risk score of the anti-risk factor corresponding to the first subject includes: matching the anti-risk characteristic score corresponding to the anti-risk characteristic in a preset anti-risk characteristic score database; determining the maximum value of each anti-risk characteristic score in the same anti-risk characteristic type as the type score of the anti-risk characteristic; obtaining the anti-risk score of the anti-risk factor corresponding to the first subject according to the type score of the anti-risk characteristic; the anti-risk characteristic score database stores the correspondence between the anti-risk characteristics and the anti-risk characteristic scores.

3. The method according to claim 1, characterized in that The risk factors include several types of risk characteristics, each risk characteristic type includes several risk characteristics, and obtaining the risk score of the risk factor corresponding to the first subject includes: matching the risk characteristic score corresponding to the risk characteristic in a preset risk characteristic score database; determining the maximum value of each risk characteristic score in the same risk characteristic type as the type score of the risk characteristic; obtaining the risk score of the risk factor corresponding to the first subject according to the type score of the risk characteristic; the risk characteristic score database stores the correspondence between the risk characteristics and the risk characteristic scores.

4. The method according to claim 1, characterized in that: Acquiring a risk value of the first subject according to the risk score includes: The risk score is used to perform calculations using a preset second algorithm to obtain a risk value of the first subject.

5. The method according to claim 1, characterized in that Determining the risk propagation value of the first subject according to the risk resistance coefficient and the risk value includes: The risk propagation value of the first subject is obtained by calculating using the anti-risk coefficient and the risk value through a preset third algorithm.

6. A device for determining the scope of enterprise risk impact, comprising a processor and a memory storing program instructions, characterized in that: The processor is configured to execute the method for determining the scope of enterprise risk impact as described in any one of claims 1 to 5 when running the program instructions.

7. A device, characterized in that: It comprises a device for determining the scope of enterprise risk impact as described in claim 6.

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