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Method and device for determining risk of advance account

An account and advance payment technology, applied in the field of automatic program design, can solve the problem that the agent bank cannot liquidate the advance payment in time, and achieve the effect of eliminating the under-reporting of advance payment incidents

Pending Publication Date: 2021-06-25
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the influence of various factors, there will be a risk that the correspondent bank will not be able to liquidate the advance funds in time

Method used

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  • Method and device for determining risk of advance account
  • Method and device for determining risk of advance account
  • Method and device for determining risk of advance account

Examples

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Embodiment Construction

[0066] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0067] Aiming at the risk that the agent bank will not be able to liquidate the advance funds in a timely manner, the branch can adopt a risk-taking model and independently build a risk identification system to monitor the details of the advance funds of the branch for risk monitoring and identification. All branches and sub-branches report the advance fund data to the mon...

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PUM

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Abstract

The invention discloses a method and device for determining the risk of an advance account, and relates to the technical field of automatic programming. A specific embodiment of the method comprises the steps of collecting contract data, wherein the contract data comprise advance accounts and opponent accounts, and each advance account corresponds to at least one opponent account; obtaining transaction flow information between the advance account and the opponent account; according to the transaction flow information, determining a transaction amount of the advance account in a statistical period; and determining risk information of the advance account according to the transaction amount. According to the embodiment, the advance account risk of the proxy bank can be evaluated, so that the probability that the proxy bank cannot timely settle and return the advance fund risk is reduced.

Description

technical field [0001] The invention relates to the technical field of automatic program design, in particular to a method and device for determining the risk of an advance account. Background technique [0002] In the business conducted by banks, the head office, provincial, city and county sub-branches (that is, agent banks) can first advance funds for various institutions or individuals, and then each agent bank can collect funds from various institutions and individuals. Institutions may include: the central government, financial departments of provinces, cities and counties, enterprises, institutions and groups, etc. However, due to the influence of various factors, there will be a risk that the correspondent bank will not be able to liquidate the advanced funds in a timely manner. Contents of the invention [0003] In view of this, the embodiment of the present invention provides a method and device for determining the risk of an advance account, which can evaluate ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04G06Q10/06
CPCG06Q10/0635G06Q10/06393G06Q40/02G06Q40/04
Inventor 赵文杨红远董秋晨杜波黄硕
Owner CHINA CONSTRUCTION BANK
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